How payments work on NXT Detail

You're the merchant. NXT Detail is the marketplace.

When your customer pays for a service through the app, the money goes directly to your connected Stripe account — not to NXT Detail. We add a flat 1.5% service fee (minimum $1) that your customer pays at checkout; you receive your full service price plus any tip, and we never hold your customers' funds.

This matches how Uber, DoorDash, and Airbnb work: the platform connects you to customers and earns its fee for the connection; you provide the service and own the customer relationship.

Your Stripe dashboard

You'll have your own Stripe Express dashboard (separate from NXT Detail's) where you can:

• See every customer payment and the daily payouts that follow
• Track refunds and adjustments
• Update bank account information
• Download tax documents at year-end

Reach it from the NXT Detail app: Settings → Payments → “View Stripe Dashboard.”

How money flows on a typical transaction

Customer pays $100 for a service. A flat 1.5% service fee ($1.50) is added at checkout, so they're charged $101.50:

1. Customer's card:    -$101.50   ($100 service + $1.50 service fee)
2. Stripe fee:          -$3.24    (2.9% + $0.30 on $101.50; Stripe keeps)
3. Service fee (NXT):   -$1.50    (added at checkout, paid by the customer)
4. Your account:       +$96.76    ($101.50 less Stripe's fee and the service fee)

That $96.76 is yours. It typically lands in your bank account 2 business days after the charge clears.

How refunds work

If you issue a refund:

• The customer gets the $100 service back. The $1.50 service fee is non-refundable and is not returned.
• Your account is debited $100 (the service refund).
• Stripe's processing fee ($3.24) is NOT returned — Stripe keeps that. You absorb the loss.
• The NXT Detail platform fee ($1.50) is non-refundable. We keep our commission on the original charge regardless of refund. Standard marketplace policy.

Net cost of a full refund: $3.24 to you — Stripe's processing fee, which Stripe keeps on refunds. (The $1.50 service fee was paid by the customer and is non-refundable.)

For partial refunds (e.g., $20 off a $100 charge for a service hiccup): the customer gets $20, your account is debited $20, and the original Stripe + platform fees stay where they are. You don't get a fee discount for issuing a smaller refund.

Practical implication: refunds are rarely cost-free. Use them when warranted, but consider crediting future services or adjusting future invoices for goodwill scenarios where a full refund isn't justified.

Negative Stripe balances

If your Stripe balance goes negative due to a refund, future customer payments will apply to clear that balance before paying out to your bank account. Stripe may also debit your connected bank account directly to clear persistent negative balances. Keep a small buffer in your Stripe balance during your first months of operation to avoid surprise debits.

How chargebacks work

A chargeback is when a customer disputes a charge with their bank, bypassing you and going straight to Visa/Mastercard.

If a chargeback comes in:

• Stripe debits your account for the disputed amount + a $15 chargeback fee.
• You'll get an email from Stripe with the dispute details and a deadline to respond (usually 7-14 days).
• You respond through your Stripe dashboard with evidence: booking records, photos, customer communication, anything that proves the service was rendered as described.
• Stripe submits your evidence to the customer's bank.
• The bank decides — usually 30-60 days later.
• If you win: the disputed amount comes back (minus the $15 fee, which Stripe always keeps).
• If you lose: the disputed amount stays gone.

NXT Detail's role: we keep the booking record (timestamps, photos, customer details) accessible from your provider dashboard so you have evidence ready. We don't represent you in the dispute — that's between you and Stripe.

Tip: photos of before/after work and customer signatures on completion are your strongest evidence. The booking record stores both.

How taxes work

You're the merchant of record. That means:

Sales tax. If your state or city taxes detailing services, you're responsible for collecting and remitting it. Many states don't tax services; some do. Check with your state department of revenue.

1099-K. Stripe will send you Form 1099-K at year-end if you process more than the IRS threshold (around $600 in gross volume for 2026, subject to recent IRS guidance). The 1099-K reports your gross volume — what customers paid, before any fees. Your taxable income is that minus deductible business expenses, which include both Stripe fees and the NXT Detail platform fee.

Income tax. Detailing income flows to your business tax return as gross receipts. The fees you pay to NXT Detail are deductible business expenses.

NXT Detail doesn't issue 1099 forms for your customer transactions. We're a marketplace, not your employer.

If you incorporated as an LLC or S-corp, talk to a CPA at year one. The cost of an hour of CPA time is worth it for the structure they'll set you up with.

Where to get help

• In-app support tab: Profile → Support. Fastest way to reach us — message goes to the same team that monitors support email.
• Email: support@nxt-detail.com for payment, refund, or chargeback questions.
• First-cohort detailers: your messages are prioritized during your first month — use the in-app support tab, or email support@nxt-detail.com and say it's urgent. High-touch support for anything that can't wait for a normal email reply.
• Stripe dashboard issues (login, bank account changes, 1099-K corrections): contact Stripe support directly — they'll handle it faster than going through us.
• Booking, scheduling, customer issues: NXT Detail in-app chat or email above.