Capture Revenue on Every Job Dispatched
Your platform routes jobs, manages technician schedules, and handles invoicing. Every completed job carries payment GMV — and today, that GMV flows to a payment processor's take-rate, not yours. PayNestio gives you the sub-merchant onboarding, split settlement engine, and 1099-K filing automation to capture 50–100 bps on every job without building a compliance team or applying for a money transmission license.
Field service billing is complex. Generic payment processors weren't built for it.
Per-job, per-tech split settlement
A completed job generates a payment that needs to split: platform fee retained, technician payout disbursed, materials cost to a supplier, subcontractor share to a second party — all in a single settlement pass. Generic payment processors require custom engineering for multi-party splits at this granularity. PayNestio handles it natively through configurable split rules.
1099-K volume at year-end
Platforms with hundreds of technicians face a manual 1099-K filing burden every January. Tracking which contractors exceeded IRS thresholds, generating forms, and submitting them — all by hand — is operationally punishing without automation.
Contractor disbursement timing
Independent technicians expect faster disbursements than standard T+2 ACH schedules. Offering T+0 instant payouts requires payout velocity controls to manage fraud exposure — a balance that generic payment processors don't provide without significant custom engineering investment.
The payments features your platform needs
Per-job Split Settlement
Configure split rules per job type, technician tier, or service location. Platform fee retained, tech payout disbursed via ACH — automated on every settlement cycle, no manual reconciliation.
Instant Technician Disbursements
T+0 ACH disbursement option for contractors who need same-day access to funds. Per-merchant and platform-wide payout velocity controls manage fraud exposure without blocking legitimate payouts.
Automated 1099-K Filing
Threshold tracking throughout the year, form generation in Q4, and direct IRS electronic filing. Zero manual exports for your ops team.
White-label Technician Onboarding
Sub-merchant onboarding for each technician runs under your domain: KYC/KYB verification, bank account authentication, and approval notification — without your contractors ever seeing PayNestio's brand.
Start capturing the GMV your jobs already generate
PayNestio installs via REST API in 3–5 engineering days. Sub-merchant onboarding, split settlement, and 1099-K filing are live before your next billing cycle.