Payments & payouts

Here's the flow, step by step:

• Pay at start. When both the teen and the neighbor confirm the job is starting, the neighbor's card is charged through Stripe.
• Held by Stripe. The money sits securely in a Stripe-managed account — not in a Blockwork bank account. Blockwork never holds anyone's money directly. Stripe does.
• Released on confirmation. The teen uploads photo proof the work is finished. Once both the teen and the neighbor confirm the job is complete, the funds are released.
• Full refund if cancelled early. If a job is cancelled before it starts, the neighbor is automatically and fully refunded.

The split is simple: Blockwork takes 12.9% plus a $0.30 flat fee per completed job, and the teen receives the rest. That's it.

Worked example: On a $40 job, the fee is $5.46 (12.9% + $0.30), so the teen earns $34.54.

Processing fees are on us. Stripe's card-processing fees are paid by Blockwork out of its fee — they are not deducted from the teen's share. The teen's share is the teen's share.

No surprises. There are no signup fees, no listing fees, and no monthly fees. The 12.9% + $0.30 only applies when a job is actually completed and paid for.

Why the parent gets the payout. Payment processors like Stripe require account holders to be 18 or older. So for teens under 18, earnings are paid out to the parent's connected bank account. The parent is responsible for passing the earnings along to their teen as they see fit.

Independent teens 18+. Teens who are 18 or older can connect their own bank account and receive payouts directly.

How long it takes. Once a payout is released, it typically arrives in the connected bank account within 1–2 business days via Stripe.

New-account security hold. The first payout from a brand-new account is held for 72 hours as a fraud-prevention measure. After the hold lifts, the payout is released automatically — no action needed. This applies once per new account, not on every payout.

Stripe handles the sensitive stuff. Every card number, CVC, and bank account detail goes straight to Stripe. — never through Blockwork's servers.

What we store. Blockwork only keeps masked references (like the last four digits of a bank account) and a status indicator. We never see or store full card numbers or full bank account details.

Payments securely processed by Stripe. We never see or store your card details.

It's usually self-employment income. Money a teen earns on Blockwork is generally considered self-employment income for tax purposes.

1099-K reporting threshold. Blockwork issues a Form 1099-K only when a payee exceeds $20,000 and 200 transactions in a calendar year. Most families will not hit that threshold and won't receive one.

Filing requirement. A teen generally must file a federal tax return once their net self-employment earnings reach $400 in a year. This is a general IRS rule, not a Blockwork rule.

Year-end summary. Blockwork provides a year-end earnings summary in the wallet so families have what they need for record-keeping.

Blockwork does not provide tax advice. This section is general information, not guidance for your specific situation. For tax questions, consult a qualified tax professional.

Where Blockwork is open. Blockwork is open only in states we have reviewed, and every rule below reflects the rules on file for that state. Rules depend on your state.

• Minimum age 14 for platform jobs. Users under 13 are blocked entirely. To accept jobs on the platform, a teen must be at least 14.
• Age is provided at signup and attested by the parent. A teen enters their date of birth when they register, and the linked parent or guardian confirms that date of birth is accurate as part of the parental consent flow.
• Hour limits enforced automatically. The platform enforces the daily and weekly hour caps on file for your state server-side, with different limits for school days vs. non-school days and prohibited time windows (for example, no work before 7am or after 7pm on school nights for younger teens). A booking that would push a teen over a limit is rejected before it's confirmed.
• Age-based job categories. Each job category has a minimum age. Hazardous tasks are screened and blocked before a listing goes live.
• Parental approval on every booking. No job for a minor is confirmed unless the teen's parent reviews the details and explicitly approves it.

The source. Each open state's rules are drawn from that state's labor department, its statutes, and the U.S. Department of Labor, and are read and approved by a person before the state opens. California's are drawn from the California DIR Child Labor Law Pamphlet, available at dir.ca.gov/dlse.

Work permits — the honest framing. The casual, irregular odd jobs offered on Blockwork (light outdoor tasks and online tutoring) are often exempt from California's work-permit requirement under the state's odd-jobs exemption for irregular casual work in private homes. However, parents and teens remain responsible for confirming any permit or employment requirements that apply to their specific situation — Blockwork does not determine permit eligibility. This exemption does not remove the hour limits, minimum-age rules, or hazard restrictions above; those still apply and are enforced by the platform.

• No home entry — ever. All in-person work happens outdoors; all tutoring happens over video.
• Parent approval on every booking. No job for a minor is confirmed without the parent saying yes.
• Contact info masked until confirmed. Addresses and contact details stay hidden until a booking is confirmed.
• In-app safety alert. A teen can alert their parent instantly from any active job.
• Two-way reviews. Neighbors and teens rate each other after every job.
• Reporting and blocking. Anyone can report a concern or block another user at any time.

Blockwork is a technology platform that connects neighbors with teens and their guardians. It does not employ teens, does not direct how work is performed, and is not a staffing agency or employer. The work agreement is between the neighbor and the teen's parent or guardian — Blockwork provides the marketplace and the safety rails, not the employment relationship.