Jobber Money Updated July 11, 2024 16:19

Overview

Jobber Money is a secure business account that gives you faster access to your Jobber Payments payouts without pesky fees or monthly minimums. With it, you’ll receive a physical business spend card customized with your business name so you can use your payouts to purchase the things you need to keep your business moving. You’ll also be able to issue and manage spend cards for members of your team, all from the Jobber Mobile App.

Jobber Money offers:

• Payment tracking and spending in the same place you manage your business
• A no-monthly-fee, zero-minimums, business account that's opened in minutes
• Faster access to payouts from Jobber Payments, even on evenings and weekends
• A physical spend card customized with your business's name
• The ability to issue and manage spend cards for members on your team with amount and category spend controls
• Review your account balance, business transactions and initiate same or next-business-day bank transfers (ACH) to your other accounts on-the-go from the Jobber mobile app 

How it works

Once approved for a Jobber Money account, you will receive access to your account and be automatically sent a physical business spend card to the shipping address entered during the sign up process within 2-3 business days.

Once your spend card is activated, you will begin receiving your Jobber Payments payouts to your Jobber Money account within as little as 1 hour after they have been collected, even on evenings and weekends, at no cost to you. Your spend card will then allow you to begin making purchases for your business using the funds from your account.

Note: When your client pays using a bank payment (ACH), it can take up to 7 business days for the amount to be available for a payout as ACH payments have a longer processing time. Card payments will be available within the hour after they have been collected.

You can also choose to issue spend cards to other members of your team and manage their cards from the Money tab in the Jobber mobile app. Cards issued to members of your team will arrive at their entered shipping address within 5-8 business days.

As you start to receive payouts to the account and begin using them to make business purchases, you will be able to monitor your balance and see the list of your transactions in the Jobber Mobile app.

If needed, you also have the flexibility to transfer your money to your other owned bank accounts within the same or next business day.

Jobber reserves the right to re-evaluate a user’s eligibility for faster funds access at any time.

Security

Stripe Treasury Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account (business versus personal, and so on). Stripe Treasury accounts are designed to be eligible for FDIC pass-through insurance. The FDIC makes the final determination about the availability of pass-through insurance at the time of a bank’s failure.

Stripe or Jobber are not FDIC insured institutions. FDIC’s deposit insurance coverage only protects against the failure of an FDIC insured depository institution.

Getting started

How much Jobber Money costs

Opening a Jobber Money account is easy and takes just a few minutes. There are no monthly fees and there is no monthly minimum account balance you need to maintain to avoid additional fees.

However, there are some fees and penalties that may be applied to certain transactions. All users in the Jobber Money preview program are subject to the following fees:

Fees

• express outbound bank transfers (ACH) fee: when transferring funds from your Jobber Money account to a non-Jobber Money bank account, you have the option to select an express transfer as opposed to the standard 2 business day transfer period. If you select the express transfer option, a 1% fee will be applied to the amount being transferred out of your Jobber Money account.
• foreign exchange fee: when making purchases with a virtual or physical Jobber Money business spend card for items in any currency other than USD, an additional 1% foreign exchange fee will be charged.
• cross-border purchase fee: when making purchases with a virtual or physical Jobber Money business spend card at merchants outside of the United States, an additional 1% + $0.30 cross-border purchase fee will be charged.
• incoming wire fee: when receiving wire transfers to your Jobber Money account, a $2.00 fee will be charged.
• $4.00 returned bank transfer (ACH) fee: if an outbound bank transfer (ACH) fails to be delivered from your Jobber Money account to the targeted non-Jobber Money bank account, a fee will be charged.
• $15 lost dispute fee: in the event a transaction is disputed by you and you are deemed to have lost the dispute, you will be charged a lost dispute fee.
• $4 additional card replacement fee: when you request a physical business spend card the cost to produce and deliver the card will be covered. The cost to produce and deliver a replacement card will also be covered. However, additional replacement cards beyond the first one will incur a $4 fee per card, applied to your Jobber Money account.
• ATM withdrawals: Jobber will not charge users any fees to withdraw cash, however there may be fees charged by the ATM owner-operator.

Jobber Money payout windows and spend limits

Your Jobber Money account allows you to receive Jobber Payments payouts to your account in as little as 1 hour after they have been collected from customers, even on evenings and weekends, at no cost to you. You can then use these funds to make purchases for your business within the following card spend and outbound transfer limits:

• Standard ACH transfer limit: $30,000 every 24 hours
• Express ACH transfer limit:$10,000 every 24 hours
• Account Owners are able to set daily, weekly, or monthly amount spending limits for the cards on their account. Account owner can currently set one of these limits at a time per card and depending on the frequency selected, the amount must not exceed the following maximum values:
  • Daily limit maximum: $10,000
  • Weekly limit maximum: $20,000
  • Monthly limit maximum: $50,000
    • In addition to the daily, weekly, or monthly spend limit the account owner may set for a card, Jobber will also not allow a user to spend more than $10,000 per day or $50,000 per month per card.
    • For example, if an account owner sets a weekly limit of $20,000 for a card, the cardholder will also not be able to spend more than $10,000 in a day or $50,000 in a month per card from that card

How to apply for a Jobber Money account

After logging into the Jobber Mobile app and navigating to the Money tab in the bottom navigation bar, you will see a prompt to sign up for a Jobber Money account, tap Sign Up Now to begin the application process where you will be asked to enter information about you and your business. This is needed to verify your identity and create your account. The information you'll be asked to provide in your application includes:

• Your mobile phone number (this is used for account verification)
• Your full name 
• Last 4 digits of your personal tax ID number
• Date of birth
• Description of what you use Jobber for or any products you're offering
• Acceptance of the terms of service
• Shipping address (this is where Jobber will send your physical Jobber Money card)

Your physical Jobber Money card will arrive within 2-3 business days.

Once you complete the application process, you will receive an approval or decline notification. If accepted, you will be granted access to your new Jobber Money account.

If you experience any issues with your application please contact Jobber Support at support@getjobber.com.

Jobber Money spend cards

About your card

Once approved for a Jobber Money account, you will be issued a physical Jobber Money business spend card to the shipping address provided during the application process which will arrive within 2-3 business days through USPS. Jobber Money spend cards are Jobber-branded and customized with both the cardholder name and the business name.

Account owners can also choose to issue additional spend cards to other members of their team through the Jobber mobile app.

Jobber Money cards are VISA business spend cards that allow you to use your Jobber Payments payouts for business purchases. You can use this card anywhere VISA payments are accepted in the USA.

How to activate your physical card

Once issued a Jobber Money spend card, it will be sent to the shipping address provided. The card will come with the following instructions on how to activate the card through the Jobber mobile app:

1. Navigate to activate.jobbermoney.com. To get here, you can either scan the QR code provided in the card carrier, or type the URL into a browser on your mobile device
2. You will be redirected to a form in the Jobber mobile app
3. Fill out the required details, set your PIN, and agree to the displayed terms and conditions 
4. Confirm your card's activation

Ensure you have the Jobber mobile app downloaded on your mobile device and are signed in to the Jobber account your card was issued from. You may run into issue if the app isn't already downloaded to your mobile device or if you are logged into a different Jobber account. 

If you experience any issues activating your card for use, please contact Jobber Support at 1-888-424-5301 or support@getjobber.com. 

How to use your card

Your card has an EMV chip with contactless payment functionality so it can be inserted or tapped anywhere VISA payments are accepted in the USA. Like any card, you can also use it for making purchases online or add to your virtual wallet to make payments through Google or Apple Pay.

Cards are subject to the controls set on them by the account owner. Account owners may set the following spending controls on cards on their account:

• A daily, weekly, or monthly amount spending limit
• allowed and blocked spend categories 
• a daily ATM withdrawal limit

In addition to the daily weekly or monthly spend limit the account owner may set for a card, Jobber will also not allow a user to spend more than $10,000 per day or $50,000 per month per card.

Jobber Money spend cards enabled for ATM access can be used to withdraw cash at any Visa ATM within the US. Jobber will not charge users any fees to withdraw cash, however there may be fees charged by the ATM owner-operator. Account owners can control which cards on their account have ATM access and can set a daily withdrawal limit of up to $300. This limit will be inclusive of any feed that are charged by the ATM owner-operator.

Cards should be used for business purchases only within the United States. In addition to the allowed and blocked spend categories the account owner may set for a card, transactions at merchants categorized as any of the following, but not limited to, will be declined:

• Betting/Casino Gambling
• Security Brokers/Dealers
• Precious Stones and Metals, Watches and Jewelry
• Dating/Escort Services
• Tobacco, cigarettes, cigar stores, vape e-cigs, e-cigarettes
• Account funding, stored value card purchase, prepaid load (non-financial institution) 
• Debt, marriage, personal counseling services
• Bail and bond payments 
• Pawn shops 
• Money transfer, wire transfers
• Quasi-cash, currency, money orders, travelers cheques, debt repayment, loan payment, lease payment, mortgage companies (not money transfer, non-financial institution)
• Account funding, stored value card purchase, prepaid load (non-financial institution)
• Timeshares, timeshare rentals, leases and sales
• Government services

The amount of any attempted transactions that fail to authorize due to insufficient funds, exceeding your daily balance, or for attempting a purchase at an unauthorized merchant will still deduct from your daily limit.

How to view cards on your account

You can view a list of all cards associated with your account from the cards tab on the Jobber Money homepage. This list will show you the status, expiry date, and last four digits of each card associated with your account. If you have issued spend cards to other members of your team, the view will be grouped by cardholder in alphabetical order. 

How to view your card details

You can view more details about each spend card associated with your account by tapping on them from the card list tab on the homepage.

There are different statuses for Jobber Money cards:

• processing
• on its way
• active
• frozen
• canceled
• locked

Cards in the "processing" status are in the process of being issued. While in this status, the cardholder details provided are being reviewed before the card is shipped to the entered shipping address. 

Cards in the "on its way" status have been successfully issued and are on the way to their displayed shipping address in the mail. You will see the card's estimated arrival date on the card detail view for cards in this status.

Your card will arrive in the mail with instructions on how to activate it through the Jobber mobile app. Once activated, the card will move from the "on its way" status to "active". Once a card is active, it is ready to be used for online or in-store business purchases. 

Account owners will also have the flexibility to temporarily disable active cards for use by choosing to move the card to "frozen" status at any time. This means that no transactions will be authorized from the card while in the frozen state. This can be done by setting the Freeze card toggle displayed on the card detail view to ON. This action is temporary and the card can be unfrozen at any time.

If a card needs to be permanently disabled it can be moved to the "canceled" status by contacting support at support@getjobber.com. This action is permanent and means that no further transactions will ever be authorized from the card.

Cards may also appear in "locked" status. This means the card has been locked by Jobber to prevent any further use. 

Account owners can also view and make updates to the spending controls set on the card when viewing the card's details.

If you require assistance with cards on your account, please contact support at support@getjobber.com. If you believe a card on your account has been lost or stolen, we advise you to first freeze the card before contacting support to prevent any further use in the meantime.

How to issue additional cards for your account

Account owners can issue additional spend cards to other members of their team from the cards section on the Money tab in the Jobber mobile app.

If you have other users on your Jobber account who do not yet have a card issued to them, you will see an add card button at the top of the cards tab on the Jobber Money homepage.

Tapping add card will take you into the card issuing flow where you can select which of your team members you want to issue cards to and confirm their details.

Within this flow you will be able to set the following controls for cards on your account:

• a daily, weekly, and monthly spending limit
• allowed and blocked spending categories
• a daily ATM withdrawal limit

In addition to the daily, weekly, or monthly spend limit you may set, Jobber will also not allow a user to spend more than $10,000 per day or $50,000 per month per card.

Account owners can control which cards on their account have ATM access and can set a daily withdrawal limit of up to $300. This limit will be inclusive of any fees that are charged by the ATM owner-operator. 

Once complete, you and the new cardholder will be notified when the card is issued and on its way to the shipping address entered.

In order to complete the issuing process, the new cardholder may be required to provide additional information needed to verify their identity. In this case, the account owner and cardholder will receive an email with instructions on how to provide the requested information in order to complete the review. 

Each Jobber user can only have one active physical card at a time and each card issued to members of your team will have a default daily card spend limit of $1,000.

Cardholders on your account will not have access to your Jobber Money account or any information related to it. 

How to manage card spending controls

Account owners can set the following spending controls for cards on their Jobber Money account:

• a daily, weekly, or monthly amount spending limit
• allowed and blocked spending categories
• a daily ATM withdrawal limit

Amount spending limits

A daily, weekly, or monthly amount spending limit can be set for each card on your Jobber Money account during the card issuing process.

Account owner can currently set one of these limits at a time per card and depending on the frequency selected, the amount must not exceed the following maximum values:

• Daily limit maximum: $10,000
• Weekly limit maximum: $20,000
• Monthly limit maximum: $50,000

In addition to the daily, weekly, or monthly spend limit the account owner may set for a card, Jobber will also not allow a user to spend more than $10,000 per day or $50,000 per month per card.

The daily, weekly, or monthly card spend limits can be updated at any time from the card details view.

Category spending limits

Allowed or blocked spending categories can set for each card on your Jobber Money account during the card issuing process. 

Account owners can toggle specific spend categories on or off to allow or restrict purchases for them for the card being issued. 

Each spend category consists of a number of similar merchant categories. Allowing or restricting purchases for a spend category will apply to all of the merchant categories included under that spend category. To see a full breakdown of merchant categories included in each spend category, tap ‘see breakdown’ under the category in the spending categories list view.

In addition to the allowed and blocked spend categories the account owner may set for a card, transactions at merchants categorized as any of the following, but not limited to, will be declined:

• Betting/Casino Gambling
• Security Brokers/Dealers
• Precious Stones and Metals, Watches and Jewelry
• Dating/Escort Services
• Tobacco, cigarettes, cigar stores, vape e-cigs, e-cigarettes
• Account funding, stored value card purchase, prepaid load (non-financial institution) 
• Debt, marriage, personal counseling services
• Bail and bond payments 
• Pawn shops 
• Money transfer, wire transfers 
• Quasi-cash, currency, money orders, travelers cheques, debt repayment, loan payment, lease payment, mortgage companies (not money transfer, non-financial institution)
• Account funding, stored value card purchase, prepaid load (non-financial institution)
• Timeshares, timeshare rentals, leases and sales
• Government services

ATM withdrawal controls

Account owners can choose to allow or disable ATM access for cards on their account and set daily withdrawal limits for them when viewing the card's details in the mobile app. 

If ATM withdrawal is allowed for a card, account owners will be required to set a daily limit of up to $300. This means the card can be used to withdraw up to the set daily limit in cash each day at any Visa ATM within the US. This limit will be inclusive of any fees charged by the ATM owner-operator. 

If ATM withdrawal is disabled for a card, a daily limit will not be required and the card will not be used to withdraw cash at any ATMs.

How to reset your card's PIN

Upon card activation, you will be required to set a personal identification number for your card. This is a numeric passcode used to authorize card transactions when prompted. 

You can reset the PIN associated with your card at any ATM within the United States. This will require you to enter your existing PIN before setting a new one. 

If you do not know the current PIN for your card and wish to reset it, please contact support at support@getjobber.com.

Account management

The Jobber App

Jobber Money is accessed from the Jobber mobile app from the Money tab. This is your Jobber Money homepage.

How to check your Jobber Money account balance

You can check your Jobber Money account balance at any time by logging into the Jobber mobile app and navigating to the Money tab in the bottom navigation bar to access the Jobber Money homepage. This is where your balance and pending balance are displayed at the top of the view. 

Your current balance is displayed first and is the total of all of the transactions that have been posted to your account Your pending balance is displayed below your current balance and includes all transactions that have been initiated but have not yet been posted.

How to view transaction details

Below your account balance on your Jobber Money homepage, you will see a transactions tab. In this tab a list of all transactions related to your Jobber Money account will be displayed. 

If you have any pending transactions, they will appear at the top of the transaction list, ordered by the date they were initiated, with the most recently initiated at the top.

Posted transactions will be displayed below any pending transactions you may have. They will be ordered by their posted date, with the most recently posted transactions at the top.

How to access your account details

You can access more details about your Jobber Money account by tapping the > icon on the homepage header.

Move money

Link to another account

You can link your other bank accounts to your Jobber Money account in order to initiate outbound bank transfers (ACH) to them. This process can be started by tapping the icon in the top right corner of the Jobber Money homepage. This will take you to Stripe’s Financial Connections flow where you will be asked to log into the bank account you wish to link to your Jobber Money account. Once that process is completed, your account will be linked to your Jobber Money Account and you can begin making transfers to it.

How to send money from your account

Once you have accounts linked to your Jobber Money account, you can begin initiating outbound bank transfers (ACH) to them by tapping the icon in the top right corner of the Jobber Money homepage. This will show you a list of all accounts linked to your Jobber Money account for selection. Once you have selected the account you wish to transfer money to, you will be asked to enter the following:

• the Amount you wish to transfer from your account.
  • This amount cannot exceed your Jobber Money account’s daily bank transfer (ACH) limit or your account’s available balance
• the Description of the transfer 
  • This will not be visible to the transfer recipient and is for your reporting purposes only
• one of the following transfer types:
  • Standard ACH Transfers are estimated to arrive in the destination account within the next business day if initiated before the 6 PM CT daily cut off time or the following business day if initiated after the cut off time.
    • Standard ACH Transfers have a limit of $30,000 every 24 hours
  • Express ACH Transfers are estimated to arrive in the destination account within the same business day or the next business day if the transfer is initiated after the 11 AM CT cut off time.
    • Express ACH Transfers have a limit of $10,000 every 24 hours

Once this form is completed, you will be asked to confirm before being displayed your transfer's estimated arrival date if the transfer has been successfully initiated.

An outbound transfer could be returned to your account for a number of reasons such as incorrect account details being entered or insufficient funds. Here are some tips to avoid having your transfers returned:

• Ensure your account balance can cover the amount of the transfer being initiated
• Ensure you are sending the transfer to the correct account
• Ensure the account you are transferring to has not been closed

Reporting

Account owners can access a downloadable account statement report for their Jobber Money account in the reporting section of Jobber.com. This report allows account owners to see a detailed list of all the transactions that have taken place in their Jobber Money account and see how each transaction has updated their account balance. 

The report includes the following fields:

• Description
• Method
• Posted date
• Transaction amount
• Balance

The report can also be filtered by date and transaction method of downloaded as an excel file.

Support

How to submit a complaint

If you would like to express any dissatisfaction with your Jobber Money account to the Jobber Team you can do so by emailing complaints@jobbermoney.com with the following details:

• your full legal name
• your business name
• a description of your complaint

Jobber will acknowledge all operational complaints within 5 business days and resolve them within 15 business days from your complaint's submission date. Executive complaints will be reported to Stripe within 2 business days of receipt. 

How to dispute a transaction 

The purpose of a dispute is to recover funds for pending or posted transactions. The following are some of the reasons you might need to dispute a transaction:

• you notice an unfamiliar transaction that you didn’t make
• you're continuing to be charged for canceled services
• an incorrect amount was charged to you
• items purchased never arrived or were misrepresented
• you paid for services that failed to be provided

If you need to dispute a transaction in your Jobber Money account you should take the following steps:

• Ensure you have exhausted all other means of resolving the issue including:
  • Attempting to return any products received
  • Canceling any ongoing services
  • Seeking a refund directly from the business

If all other attempts to resolve the issue are unsuccessful, please email disputes@jobbermoney.com and provide all of the following information:

• Date of the transaction
• Amount of the transaction
• Any other supporting documentation to prove your attempts to resolve the issue

Jobber will then submit the dispute to Stripe who will complete a reasonable investigation of the dispute and notify you of the outcome of the dispute directly within 120 business days from the submission date at the very latest.

If your dispute is won, you should expect to see a refund transaction in your Jobber Money account immediately.

Handle issues with your card or account

If you encounter any issues with your Jobber Money card (for example, losing your card and needing to cancel it) or Jobber Money account, please contact support at 1-888-424-5301 or support@getjobber.com.

How to close your account

Closing your Jobber Money account means it will be permanently terminated and can’t be re-opened. Once closed, you will no longer receive your Jobber Payment payouts to the account, be able to receive money to the account, or be able to spend from the account using your issued cards.

To close your account, please contact Jobber Support at support@getjobber.com.

Jobber can request Stripe to close your account if the following conditions are true:

• Your account has a zero balance
• There are no pending inbound transfers to your account
• All attached cards are canceled

Once Stripe has successfully closed your account, Jobber will send you a confirmation email.

To ensure Jobber Payments payouts are properly paid out to you, you will need to navigate to your Jobber Payments setting page in Jobber and connect another bank account. For guidance on how to do this, visit our guide on Setting up Jobber Payments. 

Questions?

If you encounter any issues with your Jobber Money card or account please contact Jobber Support at 1-888-424-5301 or support@getjobber.com.

View the Jobber Money FAQ