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Instapay FAQ

Frequently asked questions about Instapay.

Ian H avatar
Written by Ian H
Updated over 2 months ago

How much does Instapay cost?

  • The rate for Instapay is 1% + Standard card payment processing fees.
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๐Ÿ“– Help Center Article:

To learn more about processing rates and timeframes, check out our Help Article, "Housecall Pro Payment Processing Options" in the HCP Help Center. \


How can I be eligible to use Instapay?

  • You will need to have a bank account added and your identity verified to be eligible to activate Instapay.

  • You will also need to have received at least 1 credit card transaction through Housecall Pro to ensure you're in good standing with our payment processor.

  • If you meet these qualifications and don't see Instapay as an option, please reach out to our Chat Support team via the Blue Chat Bubble in your HCP account, or contact our Phone Support team at (858) 842-5746.
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Why do you need my debit card? You already have my bank account.

  • Banking technology is old, and debit cards rely on more modern technology that allows us to pay out and deposit money within minutes.

  • Standard card processing time uses ACH technology and has a minimum transit time of 2 business days to deposit money into your bank.
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Why did I get an error saying that my bank doesn't support Instapay when I tried to enter my debit card?

  • Not all banks participate in Instapay. Your debit card must be issued by a participating bank in order to be eligible.


Why do I need to re-verify my identity? Donโ€™t you already have my SSN and photo ID?

  • Weโ€™ve added this additional layer of security to keep you safe from fraud. We cannot re-use the information you entered previously because as soon as you submit the form, that data is encrypted and we cannot access it.
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Can I use Instapay on weekends and holidays and still receive my payout?

  • Yes, you can use Instapay on weekends and holidays!
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Why are some of my transactions available for Instapay and others aren't? Is there a limit?

  • For Instapay, there is a $50,000 limit per transaction for Pros in the United States and a $10,000 limit per transaction for Pros in Canada. There is also a $100,000 daily limit for Pros in both the United States and Canada.
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Is there a transaction minimum?

  • Although there is no minimum, if a transaction amount is less than $75, there will be an additional $0.75 charge to process.
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What do I do if my Instapay payment fails?

  • You will need to contact your bank to find out why this issue occurred, or navigate to your My Money page and update the debit card you have on file to receive payouts.

  • Please let us know once the bank account issues have been resolved so we can attempt to send this payment again.
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Please Note: All charges are subject to review.


Having trouble finding what you need?

For further assistance, please reach out to our Chat Support team

via the Blue Chat Bubble in your Housecall Pro account, or

contact our Phone Support team at (858) 842-5746.

Learn how Instapay can have your credit card payment in hand in

typically as little as 30 minutes.


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