Document Overview
Prepared for: BookCollar LLC
Business location: Utah
Document purpose: Provider-facing payment, payout, refund, chargeback, fee, and tax responsibility policy
Effective Date: May 18, 2026
Last Updated: May 18, 2026
1. Purpose of This Policy
This Provider Payment and Payout Policy explains how provider payments, payouts, platform fees, refunds, chargebacks, payout holds, payment disputes, tax responsibility, and payment processor requirements may work on BookCollar.
This policy applies to providers, provider applicants, and any user who offers, lists, accepts, or performs services through BookCollar.
This policy is incorporated into the Provider Terms and should be read together with:
- Terms of Service
- Provider Terms
- Booking, Cancellation, Refund, and Reschedule Policy
- Provider Standards
- Prohibited Services Policy
- Privacy Policy
- Any payment processor terms, including Stripe or Stripe Connect terms
2. Marketplace Payment Role
BookCollar is an online marketplace platform that connects customers with independent third-party service providers.
BookCollar may facilitate customer payments and provider payouts through third-party payment processors, such as Stripe or another approved payment partner.
BookCollar does not act as a bank, escrow company, money transmitter, payroll provider, tax advisor, accountant, or employer.
Providers are independent businesses or independent service providers and are responsible for understanding their own payment, tax, accounting, and business obligations.
3. Payment Processor Requirement
Providers may be required to complete payment processor onboarding before they can receive payouts.
BookCollar may use Stripe Connect or another payment processor to process payments and payouts.
Providers may be required to provide information requested by the payment processor, including:
- Legal name
- Business name
- Address
- Date of birth, if applicable
- Tax information
- Bank account information
- Identity verification information
- Business verification information
- Ownership information, if applicable
- Additional information required for compliance, fraud prevention, tax reporting, or payment processing
The payment processor may approve, reject, restrict, delay, or suspend provider payout access based on its own requirements.
BookCollar is not responsible for delays or restrictions caused by the provider's failure to complete payment processor onboarding or comply with payment processor requirements.
4. Payment Processor Terms
Providers must comply with all applicable payment processor terms, including Stripe or Stripe Connect terms where applicable.
Payment processor terms may govern:
- Identity verification
- Payout eligibility
- Payment processing
- Refunds
- Chargebacks
- Negative balances
- Risk reviews
- Prohibited businesses
- Tax reporting
- Account holds
- Account termination
- Disputes
- Compliance requirements
If a provider violates payment processor terms, BookCollar may restrict or suspend provider access, payout eligibility, listings, bookings, or other platform features.
5. Customer Payments
Customers may pay for bookings through BookCollar's approved checkout flow.
Customer payments may include:
- Service price
- Platform fees
- Processing-related fees
- Taxes, if applicable
- Add-ons
- Tips, if supported
- Cancellation fees
- No-show fees
- Other disclosed charges
Customer payment authorization, capture, settlement, refund, and reversal timing may depend on BookCollar's platform workflow, payment processor rules, card network rules, bank processing times, and applicable law.
6. Provider Payouts
Providers may receive payouts for eligible completed or confirmed bookings according to BookCollar's payout workflow.
A provider is not entitled to payout until the applicable booking, payment, service, refund, dispute, and payout conditions are satisfied.
Payout eligibility may depend on:
- Booking status
- Payment status
- Service completion status
- Provider account standing
- Provider licensing status
- Provider insurance status, if required
- Customer cancellation or no-show status
- Provider cancellation or no-show status
- Refund status
- Chargeback status
- Dispute status
- Fraud or risk review
- Payment processor requirements
- Tax or compliance requirements
- BookCollar policy compliance
BookCollar may delay, hold, reduce, offset, reverse, or block payouts as allowed by the Provider Terms, this policy, payment processor rules, or applicable law.
7. Payout Timing
Payout timing is not guaranteed.
Payout timing may depend on:
- Payment processor settlement timing
- BookCollar's payout schedule
- Booking completion
- Refund windows
- Dispute windows
- Chargeback risk
- Provider account review
- Provider licensing review
- Provider insurance review
- Fraud prevention review
- Tax or compliance review
- Bank processing times
- Payment processor delays
- Technical or operational issues
BookCollar may publish expected payout timing in provider tools, but expected timing is not a guarantee.
8. Platform Fees
BookCollar may charge providers platform fees, service fees, booking fees, processing-related fees, subscription fees, promotional fees, or other fees disclosed through the platform.
Fees may vary based on:
- Service category
- Booking type
- Provider plan
- Promotional program
- Payment method
- Location
- Transaction amount
- Platform feature used
- Business model changes
BookCollar may deduct fees from provider payouts where permitted.
BookCollar may change fee structures over time. Where required by law or appropriate, BookCollar may provide notice of material fee changes.
9. Processing Fees
Payment processing fees may be charged by BookCollar, the payment processor, or both, depending on the payment setup.
Processing fees may apply to:
- Customer payments
- Provider payouts
- Refunds
- Chargebacks
- Failed payments
- Currency conversion, if applicable
- Other payment processor services
Processing fees may be non-refundable unless otherwise required by law or stated in the checkout or provider payment terms.
10. Refunds and Provider Payout Deductions
Refunds may reduce or reverse provider payouts.
If a customer receives a refund, partial refund, credit, cancellation adjustment, or payment reversal, BookCollar may deduct the related amount from the provider's current or future payouts where permitted.
Providers may be responsible for refund amounts caused by:
- Provider cancellation
- Provider no-show
- Failure to perform the service
- Incomplete service performance
- Service not matching the listing
- Inaccurate or misleading listing
- Unlicensed or unauthorized service
- Expired, invalid, or missing required license
- Expired, invalid, or missing required insurance
- Safety issue caused by provider conduct
- Provider misconduct
- Provider policy violation
- Fraud
- Failure to cooperate with dispute review
BookCollar may decide refund outcomes according to the Booking, Cancellation, Refund, and Reschedule Policy, Provider Terms, this policy, payment processor rules, and applicable law.
11. Chargebacks and Payment Disputes
A chargeback or payment dispute may occur when a customer disputes a charge with a card issuer, bank, payment processor, or other financial institution.
If a chargeback or payment dispute occurs, BookCollar may provide relevant information to the payment processor or financial institution, including:
- Booking records
- Payment records
- Cancellation records
- Refund records
- Message history
- Provider records
- Customer records
- Service completion records
- Photos or evidence
- Policy acceptance records
- Support records
- Other relevant information
Providers must cooperate with chargeback and payment dispute investigations.
Providers may be responsible for chargebacks, dispute fees, payment reversals, penalties, or losses caused by provider conduct, service failure, inaccurate listings, policy violations, fraud, or failure to provide requested evidence.
BookCollar may hold, reduce, offset, reverse, or delay provider payouts while a chargeback or payment dispute is pending.
12. Negative Balances
A provider may have a negative balance if refunds, chargebacks, fees, payment reversals, or deductions exceed available provider payouts.
If a provider has a negative balance, BookCollar may, where permitted:
- Deduct the amount from future payouts
- Require provider repayment
- Offset amounts owed
- Restrict provider account access
- Restrict listing or booking access
- Hold future payouts
- Use payment processor recovery tools
- Take other action permitted by law and policy
13. Payout Holds and Delays
BookCollar may hold, delay, block, or restrict payouts where reasonably necessary.
Reasons may include:
- Fraud concern
- Chargeback risk
- Customer dispute
- Refund request
- Safety report
- Provider cancellation issue
- Provider no-show issue
- Provider account review
- Missing payment processor information
- Incomplete Stripe Connect onboarding
- Payment processor hold
- Legal or regulatory requirement
- Tax reporting issue
- Expired license
- Invalid license
- Missing required license
- Expired insurance
- Missing required insurance
- Prohibited service issue
- Policy violation
- Suspicious activity
- Court order, subpoena, or legal process
A payout hold does not mean BookCollar has made a final decision about the issue.
BookCollar may release, reduce, reverse, or apply held amounts depending on the outcome of the review.
14. Provider License, Insurance, and Payout Eligibility
Provider payout eligibility may depend on maintaining required licenses, permits, certifications, registrations, insurance, and other legal qualifications.
If BookCollar determines that required provider documents are missing, expired, invalid, suspended, revoked, unverifiable, or insufficient, BookCollar may pause payouts where permitted while the issue is reviewed.
If a provider performs or accepts bookings without required licensing, insurance, or legal authority, BookCollar may cancel bookings, issue refunds, restrict payouts, suspend listings, or take other action under the Provider Terms.
15. Provider Cancellations and Payout Effects
Provider cancellations may affect payouts.
If a provider cancels a booking, BookCollar may:
- Refund the customer
- Reduce the provider payout
- Deny payout for the cancelled booking
- Apply cancellation consequences
- Adjust provider account standing
- Restrict future bookings
- Take other action under the Provider Terms
Repeated provider cancellations may result in account review, listing restriction, reduced visibility, suspension, or removal from the platform.
16. Provider No-Shows and Payout Effects
If a provider no-shows, does not appear, does not participate, or is not reasonably available for a confirmed appointment, BookCollar may:
- Refund the customer
- Deny provider payout
- Reverse provider payout
- Hold future payouts
- Restrict provider listings
- Suspend provider account
- Remove provider from the platform
- Take other action under BookCollar policies
BookCollar may review available evidence before determining whether a provider no-show occurred.
17. Customer No-Shows and Provider Payouts
If a customer no-shows, the provider may be eligible for payout according to the Booking, Cancellation, Refund, and Reschedule Policy.
Customer no-show payout eligibility may depend on:
- Booking status
- Payment status
- Provider arrival or availability
- Provider communication
- Evidence provided
- Customer dispute
- Applicable cancellation policy
- Payment processor rules
- BookCollar review
BookCollar may deny or adjust a customer no-show payout if evidence shows that the provider was not available, did not arrive, failed to communicate, or otherwise contributed to the issue.
18. Disputes and Service Issues
If a customer reports a service issue, BookCollar may review the issue before releasing or finalizing provider payout.
Service issues may include:
- Service not performed
- Service incomplete
- Provider no-show
- Provider late arrival
- Service materially different from listing
- Unsafe service
- Property damage
- Harassment or misconduct
- Unlicensed service
- Unauthorized charge
- Poor communication
- Other policy concerns
BookCollar may request evidence from the provider and customer.
BookCollar may issue a full refund, partial refund, credit, payout adjustment, payout hold, or other outcome based on available information, policy terms, payment processor rules, and applicable law.
19. Fraud, Abuse, and Risk Review
BookCollar may review provider activity for fraud, abuse, risk, or policy violations.
Examples include:
- Fake bookings
- Fake customer accounts
- Artificially inflated bookings
- Payment fraud
- Stolen payment methods
- Chargeback abuse
- Review manipulation
- Refund manipulation
- Off-platform payment schemes
- False service completion
- False no-show claims
- Fake documents
- License fraud
- Insurance fraud
- Suspicious payout activity
- Money laundering concerns
- Prohibited services
- Repeated disputes
BookCollar may hold or restrict payouts during fraud, abuse, or risk review.
20. Off-Platform Payments
Providers may not use BookCollar to find, contact, or book customers and then move BookCollar-originated transactions outside the platform where prohibited by BookCollar policy.
Providers may not request or accept off-platform payment for a BookCollar-originated booking if doing so violates BookCollar policy.
Off-platform payment avoidance may result in:
- Account warning
- Listing restriction
- Booking restriction
- Payout hold
- Account suspension
- Account termination
- Loss of platform access
- Other action under Provider Terms
BookCollar may not be able to support refunds, disputes, chargebacks, safety reviews, tax reporting, or payment records for off-platform transactions.
21. Tips
If BookCollar supports tipping, customers may be able to add tips through the platform.
Tip availability, timing, processing, payout, tax treatment, and refund treatment may depend on platform tools, payment processor rules, and applicable law.
Providers are responsible for understanding the tax treatment of tips they receive.
22. Taxes
Providers are solely responsible for determining and satisfying their own tax obligations.
Providers are responsible for:
- Income taxes
- Self-employment taxes
- Business taxes
- Sales and use taxes, where applicable
- Local taxes
- Tax registrations
- Accounting records
- Deductions
- Tax filings
- Professional tax advice
BookCollar does not provide tax, accounting, payroll, or legal advice.
BookCollar may collect, report, or remit taxes where legally required, including under marketplace facilitator laws, payment reporting rules, or other applicable laws.
Providers should consult a qualified tax professional about their obligations.
23. Marketplace Facilitator and Sales Tax Issues
BookCollar may have certain marketplace facilitator, sales tax, reporting, or collection obligations depending on applicable law, service categories, transaction volume, location, fee type, and tax rules.
BookCollar may calculate, collect, remit, or report taxes where required.
Providers remain responsible for taxes not collected, remitted, or reported by BookCollar.
Providers are responsible for their own tax obligations for income earned through BookCollar and for any services or payments outside BookCollar.
24. Tax Forms and Reporting
BookCollar or its payment processor may provide tax forms, payment summaries, or transaction reports where required by law or payment processor rules.
Providers are responsible for ensuring tax information is accurate and current.
Failure to provide required tax information may result in payout delays, backup withholding, account restriction, or other action required by law or payment processor rules.
25. Provider Records
Providers should maintain their own records, including:
- Booking records
- Payment records
- Payout records
- Refund records
- Chargeback records
- Customer communications
- Business expenses
- Tax records
- License records
- Insurance records
- Service records
- Dispute records
BookCollar may provide some platform records, but providers should not rely on BookCollar as their sole recordkeeping system.
26. Refund Method and Timing
Refunds are generally returned to the customer's original payment method, unless otherwise allowed by BookCollar, the payment processor, or applicable law.
Refund timing may depend on the payment processor, card network, bank, or payment method.
Refunds may affect provider payouts even if the provider has already received payout for the booking.
If a payout has already been made and a refund, chargeback, or reversal later occurs, BookCollar may recover or offset the amount where permitted.
27. Payment Processor Constraints
Some payment, payout, refund, chargeback, and reversal outcomes may depend on payment processor capabilities and rules.
BookCollar may be unable to process certain payment actions if:
- The payment failed
- The payment was not captured
- The transaction is too old
- The payment method does not support the action
- The payment processor blocks the action
- The provider account is restricted
- The customer bank or card issuer controls the timeline
- The transaction is under dispute
- Legal or compliance limits apply
BookCollar may update payment or booking status after payment processor events are received and validated.
29. No Payroll or Employment Relationship
Provider payouts are not wages, salary, payroll, employee compensation, or employment benefits.
Providers are independent businesses or independent service providers.
BookCollar does not provide providers with:
- Minimum wage
- Overtime
- Employee benefits
- Workers' compensation coverage
- Unemployment insurance
- Paid time off
- Payroll tax withholding
- Expense reimbursement, unless separately agreed in writing
Providers are responsible for their own business expenses, taxes, insurance, and legal obligations.
30. Policy Violations
If a provider violates this policy, the Provider Terms, payment processor terms, or applicable law, BookCollar may take action including:
- Warning
- Requiring corrective action
- Restricting payout access
- Holding payouts
- Reversing payouts
- Offsetting amounts owed
- Pausing listings
- Restricting bookings
- Suspending provider account
- Terminating provider account
- Reporting suspected fraud or unlawful conduct
- Cooperating with payment processors, regulators, or law enforcement
- Taking legal action
31. Relationship to Other Policies
This policy should be read together with:
- Terms of Service
- Provider Terms
- Privacy Policy
- Booking, Cancellation, Refund, and Reschedule Policy
- Provider Standards
- Prohibited Services Policy
- Community Standards
- Safety and Incident Reporting Policy
- Any payment processor terms
If there is a conflict between this policy and another BookCollar policy, the more specific policy will generally control for the specific issue it addresses, unless otherwise stated.
32. Policy Updates
BookCollar may update this policy from time to time to reflect legal requirements, payment processor rules, tax rules, risk controls, operational changes, platform changes, or business needs.
Updated versions will be posted with a revised effective date or last updated date.
Where required by law or appropriate based on the change, BookCollar may provide notice or require providers to accept updated payment terms before continuing to use provider features or receive payouts.
33. Contact Information
Provider payment support:
[Insert payment support email]
Provider payout support:
[Insert payout support email]
Provider support:
[Insert provider support email]
Tax-related questions:
[Insert tax/accounting support email, if any]
Legal contact:
[Insert legal email]
Mailing address:
[Insert legal mailing address]
34. What can wait until later?
End of Provider Payment and Payout Policy