Pay on Proof
Every job is split into steps. Each step is paid after photos from your address show it's done and it passes its check. Homeowners pay the price and nothing on top.
This is how every 4 Seasons job is paid today.
Sample job
Bathroom remodel
$9,500
Materials payment, when you sign
Paid$2,375
After plumbing rough-in passes its check
Paid$2,137
After waterproofing and tile passes its check
Proof in3 photos at the address, checked against the step
$2,850
After your final walkthrough
NextDue only once the step is proven
$2,138
You pay for the step by bank or card. On a Pay on Proof project the money waits with Stripe, and nobody can take it while it's held.
The crew photographs the finished step at your address, with the time and place on every photo. You see them before any money moves.
When the step passes, the money goes to the company that did the work. If something looks wrong, you hold it and we review it with you.
For trade companies
Your customer funds each step before you start, so you buy materials and book crews against money that's already there. When your photos prove the step, it's released to you.
You open your Stripe Connect account without leaving 4 Seasons. Stripe checks your identity and your bank once, and every release lands in that account.
A release can reach your debit card the same day where your bank supports it, for 1.5% of the payout with a 50¢ minimum. Standard payouts arrive on Stripe's schedule at no charge.
Each release comes with a lien waiver for that payment, written for the state the work is in and kept on the job's record.
Pay on Proof for your own customers opens once counsel finishes reviewing the money transmission rules. Apply now and we'll tell you when it opens.
1% of each payment you collect, plus Stripe's processing at cost. Homeowners pay no fee and no surcharge.
Processing is estimated from Stripe's published rates for US payments, 2.9% + 30¢ for cards and 0.8% for bank payments with a $5 cap. Stripe's actual charge can differ by card type and country.
For developers
Software that orders physical work can pay for it the same way. The Settlement API reserves each step's pay and releases it when the step is verified.
The sandbox runs today. Live settlement opens after counsel review.
Stripe does. Pay on Proof runs on Stripe Connect, and a step's money stays with Stripe until it's released to the company that did the work. 4 Seasons never holds it as its own.
On a 4 Seasons job, a step's payment goes 24 hours after it passes its check, or 3 days for a payment of $5,000 or more. You can tap Looks good to send it sooner, or hold it. On a trade company's Pay on Proof project, the homeowner releases each step, and it releases on its own 3 days after the proof arrives if no issue is raised.
Hold the step. Only that step's money stays put, and the rest of the job keeps moving. The company can answer with photos or fix it and send new proof. If you can't agree, we review the record and decide within 5 business days.
No. The homeowner pays the price of the work. The company that does it pays the Pay on Proof fee and Stripe's processing.