By using Grafternow to find work, you have committed to use GrafterNow's safe and secure payment system to be paid, for work.
This secure online payment solution provided by our specialist payment partner helps protect both worker and clients from disagreement or financial loss.
Once the client authorises a payment it will go into the next payment run.
Payment runs are made at 10.30am and 3.30pm, only on banking days, with the money getting to you within 2.5 hours (e.g. 1pm or 7pm).
If you wish the money to get to you the same day please ensure the client makes the payment before 3.30pm. Otherwise it will go into the next banking day's payment run.
For example - any payment after 3.30pm on Friday afternoon will go into Monday morning's 10.30am payment run and will not get to you before Monday 1pm.
Anti-money laundering and Tax requirements
In order for Grafter, and our payment partner MangoPay, to comply with Money laundering procedures we need to collect some key financial and ID information from you.
This is done in order to complete the 'Know Your Customer' (KYC) verification required for ant-money laundering procedures..
In addition, for us to be able to pay CIS registered workers effectively we may also need to take some extra details such as your NI number.
When is this required?
In order to make sure the grafter is able to work through the platform, and to make sure we have the documents in place ready for when we need them, we ask the grafter to submit the necessary documents before they can apply for a job.
When a grafter is OFFERED and ACCEPTS a job we submit the documents for KYC. This may take 1-2 working days to process but in most cases should be in place ready for the grafters account to be live and ready to process payments.
If the KYC process has not completed before the grafter is due to be paid the client will be asked by customer support to hold-off paying until the account set-up is complete.
Adding a Bank Account
When you are 'Offered' your first job you will also be asked to add bank account details to your account, if you have not already done so. This is required before you can be booked for the job.
Once you have added bank details, you are ready to be paid for any work done through Grafter.
The bank account details supplied is where money will be paid for the work, after the job is done. You need to make sure to get the details are 100% right, or you could lose the money. Any payments sent to the wrong account cannot be refunded or returned once sent, and would be lost.
**Neither Client or GrafterNow will be liable for losses incurred due to incorrect bank account details being registered.**
If you don't have a UK bank account you cannot currently use the Grafter service but we are looking to introduce new payments methods so please do come back in the future to see if we can help you.
Once you have set-up a bank account and accepted a job, the client can use the system to pay you for the work. This will be done at the end of the job, or at the end of each phase of work (e.g. weekly) as agreed with the client.
The minimum payment for work that the GrafterNow Platform supports is four hours (half a day). If the Grafter decides to leave the job before 4 hours have passed, they will not be entitled to be paid for the time as they failed to complete the minimum time commitment. Any payment for time worked of less than four hours would be for the minimum four hour payment and would only be paid at the clients sole discretion.
The client makes a payment by entering the time worked (days and hours) & to be paid. This is then multiplied by the day rate to calculate the payment required. Our payment partner then take the payment from the client's payment card and sends it to your bank account.
Some established companies may pay by invoice. In this case the client will pay your directly based on the invoices we provide them for the job.
Separately the client is charged a small platform fee. However, the grafter is not charged any fees and gets the full day-rate as shown in the job details.
Note: It is the clients decision and responsibility to pay the grafter for any work completed. In the same way they would if paying by any other way. While the GrafterNow team will try to help resolve any disagreements, they cannot make the clients pay and are not liable for any payments not made by the client.
Payment Confirmation & Invoices
Once the client makes the payment:
- You will get an email confirming that the payment has been paid.
- The website will show the job as closed and paid (check the job archive tab if you can't see it inn 'My Jobs'.
- You will be able to see the full transaction details in an invoice, from you to the client, on the 'Payment History' page.
To find out more about how long it takes to get your money after the client has made a payment click here
Problems getting paid
If you have a problem getting paid, please contact the employer in the first instance to see if there is a problem and check that they have authorised the payment.
As a grafter on the service you will have signed up as a self-employed contractor and therefore responsible for managing your own tax affairs.