How and When to Get Paid

Understanding the payment timeline is fundamental for managing your income as a helper. This guide explains everything about when you receive your money, how to verify payments, and what to do if there are problems.

Complete Payment Timeline

Timeline from Acceptance to Payment

Day 1, 00:00 → You accept job
Day 1, 00:00 → Payment pre-authorized (customer card blocked)
Day 1, 02:30 → You complete job, upload photos
Day 1, 02:30 → Customer can confirm immediately...
         Or...
Day 2, 02:30 → Auto-approval after 24h without dispute
Day 2, 02:30 → Payment captured from customer's card
Day 2, 02:31 → Instant transfer to your Stripe balance
Day 3, 10:00 → Payout arrives in your bank account

Result: ~24-48 hours from completion to having money in your bank.

Phase 1: Pre-authorization (When You Accept)

What is Pre-authorization?

When the customer confirms you:

• Their card is blocked for the job amount
• The money is NOT charged yet (only blocked/reserved)
• Guarantees customer has funds
• Customer cannot cancel without penalty

Analogy: Like when you pay at a gas station - they block €100, then charge the actual amount.

Do You See This Money?

NO. Pre-authorization is invisible to you. Only the customer sees the block in their bank statement.

For you, the job shows:

• Status: "Accepted"
• Payment: "Pending job completion"

Pre-authorization Duration

• Valid for: 7 days
• If you complete before: Payment is captured, pre-authorization becomes real charge
• If you don't complete in 7 days: Pre-authorization expires, money released to customer, job canceled

Phase 2: Payment Capture (When You Complete)

Capture Trigger

Payment is captured when:

Option A: Customer confirms immediately

• You mark job as "Completed"
• Customer receives notification
• Customer reviews and taps "Confirm"
• ✅ Payment captured instantly

Option B: Auto-approval after 24 hours

• You mark job as "Completed"
• Customer does NOT respond within 24 hours
• ✅ System auto-approves and captures payment

Option C: Dispute (delays payment)

• Customer disputes before 24h
• ⏸️ Payment held until resolution (2-5 business days)

What Happens During Capture?

1. Customer's card charged (pre-authorization → real charge)
2. ReciGo commission deducted (15% fixed)
3. Transfer to your Stripe Connected Account (instant)
4. Payout scheduled to your bank (1-2 days)

Numerical example:

Job price:                    €50.00
ReciGo commission (15%):      -€7.50
─────────────────────────────────────
Transferred to your Stripe:   €42.50
─────────────────────────────────────
Payout to your bank (1-2 days): €42.50

Notifications You'll Receive

🔔 "Job completed!" (when you mark complete) 📧 Email with summary of job and pending payment

Then:

🔔 "Payment captured - €42.50" (when confirmed) 📧 PDF receipt attached to email

Phase 3: Transfer to Stripe Balance

What is Stripe Balance?

Your Stripe Connected Account has a "balance":

• Intermediate place between customer payment and your bank
• Updates instantly after capture
• You can see balance in real-time
• From there, payouts to your bank are scheduled

Access your Stripe balance:

1. Open ReciGo app
2. Go to Account → Helper Settings
3. Tap "View Stripe Dashboard"
4. Log in (first time requires setup)
5. Section "Balance" → Shows available balance

Instant Transfer

When payment is captured:

• ⚡ Immediate transfer to your Stripe balance
• No delay (less than 1 second)
• Appears as "Available for payout"

View in Stripe Dashboard:

• Balance → Available: €42.50
• Recent activity: "Transfer for job #12345"

Phase 4: Payout to Your Bank Account

Payout Schedule

Default: Automatic daily payouts

• Stripe attempts payout every business day
• If your balance > €1, payout is scheduled
• Payout arrives in 1-2 business days from scheduling

Example:

• Monday 10:00 → Balance €42.50 available
• Monday 10:30 → Stripe schedules automatic payout
• Tuesday 09:00 → Money arrives in your bank (1 day)
• Or Wednesday 09:00 → If your bank is slow (2 days)

Available Payout Frequencies

You can configure in Stripe Dashboard:

Daily (recommended for active helpers)

• Payout every day you have balance > €1
• Receive money constantly
• Better cash flow

Weekly

• Payout every Monday (or day you choose)
• Accumulates money from whole week
• Single transfer (fewer movements in bank statement)

Manual

• You decide when to make payout
• Useful if you prefer accumulating to €500-€1000
• Avoids fees if your bank charges for received transfers

Change frequency:

1. Stripe Dashboard → Settings
2. Payouts → Payout schedule
3. Select desired frequency
4. Save changes

Minimum Payout Amount

• Minimum: €1.00
• If your balance is <€1, wait until you accumulate more

Verify Payout in Stripe

View scheduled payouts:

1. Stripe Dashboard → Payouts
2. List of all payouts:
   • Paid: Already arrived in your bank
   • In transit: On the way (1-2 days)
   • Pending: Scheduled but not sent yet

Payout details:

• Payout date
• Amount
• Destination IBAN
• Status
• Estimated arrival date

Verify in Your Bank Account

Look for transfer with:

• Sender: "Stripe" or "Stripe Payments Europe"
• Reference: May say "STRIPE TRANSFER" or "PAYOUT"
• Amount: Matches what shown in ReciGo/Stripe

Commissions and Deductions

ReciGo Commission

Fixed commission: 15% of job price

The commission is always 15%, no variations.

Commission covers:

• Platform maintenance
• Payment processing (Stripe fees)
• Customer service / support
• Platform insurance
• Marketing (more customers = more jobs for you)

Is it a lot compared to other platforms?

Read more: Helper Commissions Explained

Stripe Fees (Already Included)

Good news: Stripe fees are included in ReciGo's commission. You don't pay anything additional.

No Payout Fees

• ❌ NO fee for transferring from Stripe to your bank
• ❌ NO fee for number of payouts
• ❌ NO minimum to collect (only €1)

Your bank may charge: Some banks charge for received transfers (rare in Europe). Check your bank's terms.

View Payment History

Earnings Screen

ReciGo includes a dedicated screen to see your earnings at a glance:

1. Go to Account → Earnings
2. You'll see:
   • 💰 Available balance in your Stripe account
   • 📈 Payment history received
   • ✅ KYC status of your Stripe Connect verification

You can refresh the information by pulling down (pull-to-refresh).

Detailed History in the App

Access history:

1. "Account" tab
2. "Payment History"
3. List of all payments received

Each entry shows:

• Associated job (title, ID)
• Completion date
• Payment date
• Gross amount (job price)
• Commission deducted
• Net amount (what you received)
• Status (Paid, Pending, Disputed)

Export history:

• "Export to CSV" button
• Useful for accounting/taxes
• Includes all details

In Stripe Dashboard

View complete detail:

1. Stripe Dashboard → Payments
2. Filter by "Successful"
3. Each payment shows:
   • Transaction ID
   • Amount
   • Fee (already deducted)
   • Net (what you received)
   • Link to associated payout

Common Problems and Solutions

"I didn't receive my payment after 3 days"

Step 1: Verify in Stripe Dashboard

1. Was payment captured? (Status "Paid")
2. Was payout scheduled? (Section "Payouts")
3. Payout status? (Paid / In transit / Failed)

Step 2: Verify job status in ReciGo

• Is status "Paid ✅"?
• Or still "Completed - Pending"? (customer hasn't confirmed yet, wait 24h)

Step 3: Verify your bank account

• Correct IBAN in Stripe?
• Account holder name matches your KYC verification?
• Account active? (not blocked/closed)

Step 4: Contact support

• Email: helpers@recigo.es
• Subject: "Payment not received - Job #[ID]"
• Include:
  • Job ID
  • Completion date
  • Stripe screenshot showing payout "Paid"
  • Bank statement screenshot (last 5 days)

"Payout failed (Failed)"

Common causes:

• Incorrect IBAN in Stripe
• Account holder name doesn't match
• Bank account closed/blocked
• Bank rejected transfer (excessive anti-fraud)

Solution:

1. Check specific error in Stripe (usually says cause)
2. Correct IBAN if incorrect:
   • Stripe Dashboard → Settings → Payouts → Bank account
   • Update IBAN
   • Verify it's an account in your name
3. Stripe re-tries payout automatically in 1-2 days
4. If it keeps failing, contact your bank (may have security block)

"I received less money than expected"

Verify:

1. Did you calculate commission? (Job price × 0.85 = what you receive)
2. Are there multiple jobs in same payout? (Stripe groups same-day payouts)
3. Did customer tip? (Added to final amount)

Example of common confusion:

• Job: €50
• You expect: €50
• You receive: €42.50
• ❓ "€7.50 missing"
• ✅ Explanation: ReciGo commission 15% = €7.50 deducted

View exact breakdown:

• ReciGo app → Payment History → Tap specific payment
• Shows line-by-line breakdown

Tips

How Tips Work

Customer can tip:

• From app after completing job ("Tip" button)
• In cash during job (your decision to accept)

Digital tips:

• Added to payment automatically
• No additional ReciGo commission (100% for you)
• Included in same job payout

Example:

Job price:                    €50.00
ReciGo commission (15%):      -€7.50
Customer tip:                  +€5.00
─────────────────────────────────────
YOU RECEIVE:                   €47.50

Cash tips:

• Don't go through app (private between you and customer)
• No fee or commission
• You must declare them in your tax return (if applicable)

Taxes and Reporting

Should I Declare This Income?

YES, all income is taxable.

• ReciGo reports your income to tax authorities if you exceed DAC7 thresholds
• You are responsible for declaring in your tax return
• If you're self-employed, declared as professional income

Read more: DAC7 and Tax Obligations

Documentation for Taxes

ReciGo provides:

• Annual income summary (January following year)
• Payment history export (CSV)
• Individual receipts for each job

You should keep:

• Bank statements showing Stripe payouts
• Fuel receipts
• Vehicle maintenance receipts
• Mobile phone bills (work %)

Related Articles

• Helper Commissions Explained
• Stripe Connect and KYC Verification
• DAC7 and Tax Obligations
• Improving Your Rating

Last updated: April 9, 2026

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