How much does Instapay cost?
Your card processing fee + 1%
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, chat in.
Why do you need my debit card? You already have my bank account.
Banking technology is old. Standard card processing time uses ACH technology and has a minimum transit time of 2 business days to deposit money into your bank. Debit cards rely on more modern technology that allows us to pay out and deposit money within minutes.
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? Don’t you already have my SSN and photo ID?
We’ve added this additional layer of security to keep you safe from fraud. We cannot re-use the information you enter previously because as soon as you submit the form, that data is encrypted and we cannot access it.
Can I use Instapay on weekends and holidays and still receive my payout?
Yes, you can use Instapay on weekends and holidays.
Why are some of my transactions available for Instapay and others aren't?
For Instapay, there is a $50,000 per transaction limit for Pros in the United States and a $10,000 per transaction limit for Pros in Canada. There is also a $100,000 per day limit for Pros in both the United States and Canada.
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.
How are refunds processed for Instapay payouts?
Instapay is a great new technology from Housecall Pro! Because funds are typically released within 30 minutes of the payment being processed, refunds will work a little differently.
With standard payments, when you accept a credit card from a customer, we deposit the proceeds into your bank account. Likewise, when you refund a customer, we pull the funds from your account because the connection allows us this access.
When a customer pays and your default payout speed is Instapay, we send what is known as an unlinked refund to your bank account. Because this doesn't show as a standard deposit into your bank account, we don't have the same link as we would with standard payouts. The system will always pull funds from your standard account.
Please Note: if the bank account you have connected for standard payments is different than the bank account associated with your Instapay debit card, the refund will come out of your standard payment account. In this situation, when you accept a credit card payment from a customer, the funds will be deposited into the bank account associated with your debit card. Upon refund, the funds will be withdrawn from your standard payouts bank account and not the account associated with your debit card (where the funds were initially deposited).
If you still have questions, or are looking for the status of a particular payout, please feel free to chat into the blue chat bubble from your account and our team will be happy to help!
Why did my Instapay Payout Fail?
If you see that an instant payout has failed on the My Money screen, this means the bank has rejected our deposit. The charge was successfully made from the customer, so you do not need to contact them. This just means we couldn't release the funds to your account.
You will need to reach out to our Suppor team via the Blue Chat Bubble in your Housecall Pro account to figure out the failure type. We can get everything sorted out for you!
There are a couple of common reasons we've come across as to why a payout has failed:
Declined by Bank - Typically this means that there is a daily limit on this type of transaction that needs to be raised by your bank, or there is some other type of limitation on the type of payout that need to be resolved before we can deposit the funds.
Most level 1 customer service reps at banks will not be familiar with this, so we recommend asking to elevate the issue to a supervisor or someone who is familiar with refunds not linked to transactions to find out what made the payout fail. This isn't a standard payment type that most are familiar with, and they will not be able to locate the issue by looking at your deposits.
Once you have spoken to the bank and determined the cause of the failure, go ahead and chat back so we can give engineering that info and have them retry the payout for you.
Invalid Card - This usually means that your card is expired, a new card has been issued, or a number you entered in is incorrect. If you re-enter your card on the My Money page, the payout should automatically try again with the new card information. If you have not been issued a new card, you'll need to call your bank and see if they have made any updates.
Lost or Stolen Card - If you have had any fraudulent activity on your card, or have reported your card lost, you will get this message because we cannot issue the payout. You will need to update your account on the My Money page and then we will retry the payout.
My payouts screen shows an Instapay payment failed, what do I do?
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.
Please Note: All charges are subject to review.
Learn how Instapay can have your credit card payment in hand in as little as 30 minutes.
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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.