ToolBox Financial locks in your customer's payment before the work starts — card on file or Affirm financing. When the job's finished, they read you a 6-digit redeem code from their wallet. You punch it in. The money lands in your Stripe account. That's the whole flow.
No chasing checks. No "I'll pay you Friday." The payment exists before your boots hit the job site.
Build it in the app — every line item, quantity, and tax spelled out. Your customer gets a text and a push notification with the amount due the moment you hit send.
Card on file or Affirm financing — all fees shown line-by-line and paid by the customer, on top. The full amount is authorized before work begins.
A one-time 6-digit code is generated on our servers straight into the customer's wallet. It's their key — funds stay safely held until they hand it over.
Job's done, they read you the code, you punch in six digits. The full amount settles to your Stripe account. Done means paid.
ToolBox isn't a middleman holding your cash. Payments run on your own Stripe settlement account — you're the merchant of record.
Every platform and processing fee is itemized and charged to the customer up front, on top of your invoice. You net your full job amount plus tax — clean.
Customer pays feesAs merchant of record, the full charge lands in your Stripe account. Stripe takes its processing fee from the charge — which the customer already covered.
Merchant of recordYour customer finances a $15,000 remodel over monthly payments. You're paid the full amount now. Affirm carries the loan, not you.
Paid in full, day oneThe moment you send an invoice, your customer's phone lights up — lock-screen push and a text with the amount due and their payment options.
Push + SMSThe full amount is authorized before you pick up a tool — the money is real, reserved, and waiting. Your customer approves the finished job and hands you their code to release it.
Customer-approved releasePlumbing, electrical, roofing, HVAC, flooring, general contracting and more — with a 9-digit R-Code that's your permanent payment address.
Your R-CodeSave a card once — securely vaulted by Stripe. ToolBox never sees your card number.
Split big jobs into monthly payments. Instant decision, clear terms, no surprises.
Old school works too — mark it cash and settle directly with your contractor.
Card data goes from your device straight to Stripe. It never touches ToolBox servers.
Every redeem code is crypto-random, single-use, and bound to one contractor and one payment.
Authorizations hold funds without moving them. Unredeemed holds release automatically.
Credentials protected behind your device's Secure Enclave — biometrics enforced at the keychain.
Join the contractors getting their money the moment the customer says "looks great." Free to download, zero fees for pros, forever.