Why TrustLayer
The standoff
Every home service transaction has the same shape. One party has money and no proof. The other has proof and no money. Somebody goes first, and whoever goes first is exposed.
The industry's answers all split the risk rather than removing it. Deposits move half the exposure onto the customer. Payment on completion moves all of it onto you. Progress payments do both, badly, with more paperwork.
Nobody removed the standoff, because nobody could hold the money without becoming a bank.
Completion is not confirmation
Every field service platform releases payment the moment a technician marks a job complete. ServiceTitan does. Housecall Pro does. Jobber and Workiz do. Not one of them asks the customer.
Completion
A technician saying the job is done.
One person's account, recorded by the person who did it.
Confirmation
A customer agreeing.
The other party to the transaction, looking at the finished work, saying yes. It creates a record with a name, a timestamp, and a job attached.
Those are two different facts, and only one of them wins a dispute ninety days later.
When a chargeback arrives, the bank does not ask whether your tech tapped a button. It asks for evidence the cardholder received and accepted the service. The entire industry runs on the fact that loses.
The math
PLACEHOLDER: ScanPay's own dispute rate. The most valuable number on this page.
81%
Customers who say filing with their bank is easier than calling the business. The path of least resistance runs straight through your revenue.
PayCompass 2025
~75%
Disputes that are first-party fraud. A real customer, a real charge, real work. Fraud screening cannot catch it, because nothing about the transaction is fake except the claim.
Chargeflow and PayCompass 2025
~50%
Merchant win rate on contested disputes. Evidence decides it. Not the merits. The paperwork.
Chargeback.io 2026
$4.61
The all-in cost of every dollar lost to a dispute, once fees, labor, and lost work are counted.
Chargeflow and Mastercard 2026 outlook
Calculator
Annual dispute cost
$75,616
Estimate for illustration at $4.61 all-in per dollar lost. TrustLayer's job is to shrink the input that matters: how many disputes exist at all.
The alternatives
FSM platforms
Wrong trigger
They release on completion and never ask the customer. This is not a missing feature they will patch. Releasing on completion is how their payment flow is built.
Chargeback tools
Wrong moment
They wake up after the money is gone and help you write a better response with whatever evidence you happen to have. Merchants still win about half. Fighting disputes is triage.
Deposits and progress payments
Wrong shape
The industry's own workaround. Puts friction on the customer, still leaves you exposed on the balance, and adds paperwork to every job.
Manual sign-off
Wrong record
A signature on a tablet is not tied to the money, so it is easy to skip on a busy day and impossible to enforce. In ninety days nobody can find it. A record in a tech's camera roll is not a record.
Doing nothing
The actual competitor
Most shops absorb it. The cost is invisible until the processor calls. This is who you are really up against.
TrustLayer
The standoff, removed
The customer's money is protected from the moment they pay. Their confirmation is what releases it. Every job produces either a timestamped approval or a logged non-response. Nothing else in home services does this.