Payment & Payout Policy

Last Updated: October 10, 2026

Related: Terms of Service · Refund & Cancellation · Privacy Policy · Acceptable Use

This Payment and Payout Policy ("Policy") supplements the LocalDirect Terms of Service and applies to Providers and Clients using the LocalDirect platform (the "Platform"). Capitalized terms used but not defined here have the meanings in the Terms of Service.

1. Payment Methods

The Platform may display or route users to various ways to pay or receive funds. Depending on configuration, payments may include:

• Third-party payment channels chosen by users (for example, Clients leaving the Platform to complete payment in Venmo, Zelle, Cash App, or another app or website, or paying using handles, QR codes, or instructions shown on the Platform).
• Integrated payment flows, where LocalDirect or its vendors process cards or wallets for a flow described in product terms. Today this is LocalDirect subscription billing for Providers; LocalDirect does not process Client-to-Provider payments.

When you complete payment outside the Platform, your agreement for that payment is primarily with your payment provider and the counterparty (typically the Provider or Client), subject to the Terms of Service between you and LocalDirect.

2. Third-Party Payment Terms

When you use a payment or payout rail (card network, bank, digital wallet, peer-to-peer app, or similar), you must comply with that third party’s terms of use, acceptable use rules, restricted-business policies, privacy notices, and dispute processes.

LocalDirect does not control:

• eligibility, underwriting, limits, freezes, holds, or account closure by a payment provider;
• timing of settlement, reversals, or network fees charged by third parties;
• sanctions, fraud, or compliance decisions by financial institutions.

Disputes about fees, account status, or enforcement by a payment provider are primarily between you and that provider, as further described in the Terms of Service. By proceeding off-platform, you release LocalDirect from claims arising from that third-party activity to the fullest extent permitted by law.

3. Provider Receipt of Funds

Unless a separate written or in-product agreement states otherwise:

• Providers are responsible for ensuring they can receive funds through the payment methods they advertise and for any fees charged by third parties.
• LocalDirect Platform subscription fees (Section 3A) are separate from Client↔Provider peer-to-peer payments.
• We recommend Providers use business or merchant accounts with payment apps where available; LocalDirect is not responsible for consequences of using a personal payment account.

LocalDirect does not settle Client↔Provider funds to Providers. If LocalDirect later operates or facilitates such settlement through a processor, LocalDirect may apply holds, reserves, delayed payouts, or offsets for risk, chargebacks, refunds, legal compliance, or processor requirements, as described in the Terms of Service and product disclosures at that time.

3A. LocalDirect Subscription Billing (Providers)

LocalDirect charges Providers a Platform subscription fee (currently $20/month or $200/year, as shown on pricing and at checkout). Subscription billing is processed by Stripe via hosted Checkout and the Customer Portal. Card details for Platform fees are not stored on LocalDirect servers.

• Auto-renewal: Plans renew automatically until you cancel in Settings → Billing (or Stripe’s portal).
• Trials: Subscribing during a free trial generally delays the first charge until the trial ends, as shown at checkout.
• Failed payments: Stripe may retry; continued failure may lead to past-due status and loss of access after any in-product grace period.
• Refunds of Platform fees: Generally non-refundable except where required by law or as LocalDirect elects in its discretion.

These Platform fees are unrelated to Client↔Provider payments on Venmo, Zelle, Cash App, or similar services. See Terms of Service Section 9.

4. Chargebacks, Reversals, and Shortfalls

If a payment is reversed (chargeback, ACH return, clawback, or similar), the Provider remains responsible for underlying obligations to the Client under law and the Provider’s policies. LocalDirect is not the merchant of record for typical Client↔Provider peer-to-peer payments and does not control Payment Platform dispute outcomes.

Clients should not use bank or card disputes for issues that are properly resolved as refund or service disputes with the Provider first, where the law and network rules allow.

5. Taxes

Each user is responsible for determining, collecting, reporting, and remitting taxes applicable to their activity, except where LocalDirect expressly states otherwise in writing.

6. Prohibited and High-Risk Activity

Users must not use the Platform or any payment channel in connection with illegal activity, sanctions evasion, fraud, money laundering, or payments that violate the Terms of Service, the Acceptable Use Policy, or third-party payment rules. LocalDirect may suspend features or accounts when necessary to mitigate risk or comply with law.

7. Relationship to Other Documents

This Policy should be read together with the LocalDirect Terms of Service, Refund and Cancellation Policy, Privacy Policy, and Acceptable Use Policy.

8. Changes to This Policy

LocalDirect may update this Policy from time to time. We will post the updated Policy and revise the "Last Updated" date. Continued use of the Platform after changes constitutes acceptance unless applicable law requires additional steps.

9. Contact

Support: [email protected]
Legal: [email protected]
Business: LocalDirect

Last reviewed and updated: September 25, 2026