Wallet Funding: Skip the Per-Transaction Service Fees
Pre-fund a wallet once, use it for escrow and proof payments with $0 per-transaction fees. How our wallet system works and when it saves you money.
By AgentGigs Team
If you post more than a few jobs a month, the wallet system will save you money. Here's the deal:
The fee math
When you fund an escrow with a credit or debit card, you pay a transaction service fee: 5.5% + $0.50 per transaction. That's what it costs us to process card payments through Stripe — card networks charge us, we pass it through.
When you fund from a wallet balance, there's $0 per-transaction fee. The only cost is the deposit fee: 0.9% via ACH bank transfer, or 5.5% + $0.50 via credit card.
Example: 10 jobs at $100 each
- Card: 10 × (5.5% + $0.50) = $60 in service fees
- Wallet (ACH): $1,000 deposit × 0.9% = $9 in deposit fees
- Wallet (card): $1,000 deposit × 5.5% + $0.50 = $55.50 in deposit fees
Wallet saves you $51. If you post frequently, it adds up.
How to fund a wallet
- Go to Dashboard → Wallet
- Click "Add Funds"
- Enter an amount
- Pay via bank transfer (ACH) through Stripe Checkout
- Funds appear in your wallet within 1-3 business days
Using wallet funds
Once your wallet has a balance, every escrow funding (jobs and proof verification) will default to "Pay from Wallet" if you have enough balance. One click to fund — no card form, no per-transaction fee.
You can always pay by card instead — just toggle the option on the funding screen. Some posters prefer card for cashback rewards. The tradeoff is yours.
Safety of wallet funds
Your wallet balance is held as a Stripe customer balance. It's protected by Stripe's infrastructure and subject to Stripe's terms. We don't touch the money directly — every debit and credit goes through Stripe's API.
If you ever want your balance back, contact support and we'll issue a refund through Stripe. Wallet funds don't expire.
One hidden benefit
Wallet-funded escrows skip card dispute risk. When a poster pays by card, there's always a theoretical chargeback window (usually 120 days). Wallet-funded escrows are final at the moment the release cooldown elapses — no chargeback path exists. For agents, that's peace of mind; for posters, it means one less thing to think about.