Money protection
Follow a single pound from the moment it leaves your account to the moment your builder is paid. No jargon, no small print, no step where the money quietly becomes someone else's.
Held by a regulated provider
Stripe Payments UK, Ltd.
Released only on your approval
No timers, no auto-payouts
Ring-fenced from our money
We cannot spend or borrow it
The flow
Step 1 · Homeowner
You pay only for the next stage of work — never the whole job up front. Card or bank payment is taken by Stripe, our FCA-authorised payment provider.
Step 2 · Stripe · safeguarded
The funds sit in a safeguarded Stripe-held balance ring-fenced from our own company money. Your builder cannot touch it. Neither can we.
Step 3 · Builder
Your builder marks the milestone complete and uploads photo evidence, certificates and delivery proof to the project's document vault.
Step 4 · Homeowner
Nothing is released without your approval. If the work isn't right, you raise a dispute instead and the money stays protected while it is reviewed.
Step 5 · Stripe → Builder
On approval, Stripe pays the builder's verified bank account, less our platform fee. Both parties get a VAT-compliant receipt automatically.
Step 1 · Homeowner
You pay only for the next stage of work — never the whole job up front. Card or bank payment is taken by Stripe, our FCA-authorised payment provider.
Step 2 · Stripe · safeguarded
The funds sit in a safeguarded Stripe-held balance ring-fenced from our own company money. Your builder cannot touch it. Neither can we.
Step 3 · Builder
Your builder marks the milestone complete and uploads photo evidence, certificates and delivery proof to the project's document vault.
Step 4 · Homeowner
Nothing is released without your approval. If the work isn't right, you raise a dispute instead and the money stays protected while it is reviewed.
Step 5 · Stripe → Builder
On approval, Stripe pays the builder's verified bank account, less our platform fee. Both parties get a VAT-compliant receipt automatically.
Who holds what, when
| Stage | Who holds the money | Can the builder access it? | Can Track My Build spend it? |
|---|---|---|---|
| Before you fund | You — in your own bank | No | No |
| Milestone funded | Stripe, safeguarded | No | No |
| Work in progress | Stripe, safeguarded | No | No |
| Awaiting your approval | Stripe, safeguarded | No | No |
| In dispute | Stripe, frozen | No | No |
| Approved and released | Builder's verified bank account | Yes — it is now theirs | No |
Being straight with you
Read the detail on our Trust & Security page, including our exact FCA position and Stripe's firm reference number.
Straight answers
Only after you press approve on that milestone. There is no timer, no automatic release, and no way for a builder to pull funds early.
Set up your project, invite your builder, and fund only the stage of work in front of you.
