TGC Build Network operates as a secure payment intermediary for all construction services arranged through the Platform. Our core principle is simple: all payments for work facilitated through the Platform must remain on the Platform.
This policy protects both Clients and Workers by ensuring funds are held securely in escrow until work is completed and approved. Direct payments between parties outside the Platform (“off-platform payments”) are strictly prohibited and constitute a violation of our Terms & Conditions.
By using the Platform to hire or be hired, all parties agree that TGC Build Network shall process, hold, and disburse all payments related to Platform-mediated work, subject to the terms outlined in this Payment Policy.
The Platform supports transactions in two currencies, reflecting our primary operational markets:
Currency is determined by the job location selected at the time of posting. Users cannot mix currencies within a single transaction. All fee calculations, commission rates, and payout amounts are displayed in the job’s designated currency.
Currency conversion, if required for cross-border users (e.g., a Worker with a USD payout preference accepting a CAD job), is handled by our payment processor at prevailing market exchange rates at the time of payout. Conversion fees, if any, are borne by the user requesting the conversion.
TGC Build Network charges a commission (Service Fee) on each transaction to cover platform operations, payment processing, fraud prevention, dispute resolution, customer support, and continuous platform development.
| Fee Type | Rate | Applies To |
|---|---|---|
| Hourly Work Commission | 10% – 20% | All hourly-rate jobs (see tier breakdown below) |
| Fixed Project Commission | 10% – 20% | All fixed-price project contracts |
| Urgent Job Surcharge | +5% platform fee | Jobs marked “Urgent” (start within 24 hours) |
| Payment Processing Fee | 2.9% + $0.30 per transaction | All credit/debit card payments (standard Stripe fee, subject to change) |
| Payout Fee (ACH/Bank) | $0.00 (USD) / $0.00 (CAD) | Standard bank transfer to linked account |
| Instant Payout Fee | 1.5% of payout amount | Optional expedited transfer (within 30 minutes) |
Commission Tier Breakdown (Hourly & Fixed):
The applicable commission rate is calculated and displayed transparently at checkout before the Client confirms payment. Workers see their net earnings (total minus commission) before accepting any offer.
TGC Build Network uses a secure escrow system to protect both Clients and Workers. The process is as follows:
Client Funds Escrow
When a Client hires a Worker, the total estimated job amount (based on agreed hourly rate × estimated hours, or fixed project price) is charged to the Client’s payment method and held in escrow by TGC Build Network. Funds are not immediately available to the Worker.
Work is Performed
The Worker completes the agreed work. For hourly jobs, the Worker logs hours daily through the Platform’s timesheet system. For fixed projects, milestones are submitted for approval.
Worker Requests Release
Upon completion, the Worker submits a payment release request through the Platform, summarizing hours worked or milestones completed.
Client Reviews & Approves
The Client has 72 hours to review the work and timesheet. If approved (or if no action is taken within 72 hours), the funds are released. If disputed, the dispute resolution process begins (see Section 7).
Platform Deducts Commission & Releases Funds
Once approved, TGC Build Network deducts the applicable commission and payment processing fees, then credits the remaining amount to the Worker’s Platform Wallet.
Worker Withdraws
The Worker can withdraw funds from their Wallet to their linked bank account via ACH (USD) or EFT (CAD). Standard withdrawals take 2–3 business days. Instant withdrawals (1.5% fee) are available.
Scenario: Hourly Job in Canada
Note: The Worker’s take-home rate ($984.90 ÷ 40 = $24.62/hr) is displayed transparently before job acceptance. Clients see the total cost ($1,200) before confirming hire.
6.1 Client Payment Methods (Deposits into Escrow)
6.2 Worker Payout Methods (Withdrawals from Wallet)
Workers must complete identity verification and link a valid bank account before withdrawing funds. Withdrawal minimum is $25.00 per transaction.
7.1 Dispute Resolution. If a Client disputes hours worked or quality of work, they must initiate a dispute within 72 hours of the Worker’s release request. The Platform will hold funds in escrow during dispute resolution. Both parties must provide evidence (photos, messages, timesheet notes). Our dispute resolution team will review and issue a binding decision within 5–7 business days.
7.2 Refunds. Approved refunds are credited to the Client’s original payment method or Platform Wallet within 5–10 business days. Refund eligibility depends on the stage of work and reason for cancellation:
7.3 Chargebacks. If a Client initiates a credit card chargeback, their account will be immediately restricted pending investigation. We will provide the card issuer with transaction evidence (job details, messages, approval records). Clients who abuse chargebacks may have their accounts permanently terminated.
7.4 Fraud. Any fraudulent payment activity (stolen cards, identity theft, fake chargebacks) will be reported to law enforcement and financial authorities. Fraudulent users are permanently banned and may face civil or criminal prosecution.
TGC Build Network complies with all applicable tax laws in the United States and Canada.
Users are solely responsible for reporting all income, deducting eligible expenses, and paying all applicable taxes. The Platform provides earnings summaries and tax documents for convenience but does not provide tax advice.
The Platform offers optional subscription plans (Basic, Pro, Enterprise) with recurring monthly or annual billing. Subscription fees are charged automatically to the payment method on file.
Subscription benefits (reduced commission rates, priority matching, etc.) are active only while the subscription is in good standing.
The following payment activities are strictly prohibited and will result in immediate account suspension or termination:
Violations may be reported to financial regulators, law enforcement, and credit bureaus. The Platform actively monitors transactions using automated fraud detection and manual review.
The Platform Wallet is a virtual account where Worker earnings are held before withdrawal. Key terms:
The Platform may place holds on Wallet funds if fraud, disputes, or Terms violations are suspected.
We may update commission rates, fee structures, or payment processes with 30 days’ advance notice. Notice will be provided via email and Platform notification. Changes to payment processing fees (charged by our payment processor) may take effect immediately. Your continued use of the Platform after changes constitutes acceptance of the revised Payment Policy.
For payment-related questions, disputes, or support, please contact our Payments Team:
TGC Build Network Payments Department
Email: payments@tgcbuildnetwork.com
Support Portal: /help (in-app ticket system)
Phone: 1-888-TGC-BUILD (USA & Canada)
Hours: Monday–Friday, 8:00 AM – 8:00 PM ET