Yes, absolutely. They are your clients. We’re simply here to help. While on the platform, experts and clients collaborate within the bigSmall.io Standard Consulting Agreement and Confidentiality, Nondisclosure, and Invention Assignment in the Terms of Service.
You don’t need a website, just a place where people see you as an expert. A Facebook page? An email/forum signature? A support site profile? A project page? A blog? All of the above? bigSmall.io can introduce clients from anywhere you can responsibly put a link. The rest is up to you.
Yes, you can use any image. The important part is the <a> link to your bigSmall.io landing page. We include examples and instructions on your dashboard for many content platforms.
Yes, we have instructions to customize or embed your landing page and button for most popular platforms in your bigSmall dashboard.
Stripe.com is our first payment processor and has curated an extensive list of businesses that they and their banking networks prohibit.
Yes. PCI compliance is a strict set of standards for handling credit card information. We use Stripe.com to handle payments and payment information. Payment information is sent directly to Stripe.com and never touches your servers or ours.
We haven't worked on this. HIPAA compliance is important for medical professionals, and intended for hospitals and medical systems. Experts and clients can see their requests and chat records on their private receipt.
Check the Pricing page for details.
Stripe.com says they deposit the money in 2-7 days. They have an excellent FAQ section.
When you submit an invoice, we use Stripe.com to charge your client with your Stripe account. Then bigSmall.io takes its fee from your account. Finally, Stripe.com takes its fee from bigSmall.io’s account.
As the project owner, you collect all the revenue. You can share revenue with your team as you see fit.
Adding team members gives your clients greater access and expanded hours.
In the future, we will be adding revenue sharing so your experts can link their own Stripe accounts.
Click Help in the dashboard if you have any feedback, suggestions, or interest in revenue sharing.
We handle first-level billing and refund support requests. You agree to the bigSmall.io guarantee on your landing page. You agree to allow bigSmall.io to use its discretion when processing refunds. We quickly ban who are people abusing the refund system.
In the event of a refund, we refund our fees in an amount proportional to the refund.
People can contact their bank/credit card company to make a “chargeback.” Chargebacks are a formal process that is different from a refund. We dispute any chargebacks, and permanently ban the client. The card company may be required by law to return the money. A chargeback does not remove the debt. You can pursue collections, or possibly a tax deduction.
Taxes aren’t so bad. We like roads and electricity. We’re glad to be good citizens and on the team for happy, healthy, and stable communities. Here’s some things you need to know:
Stripe.com handles your money, so see their FAQ. You hire bigSmall.io to run transactions with your Stripe.com account.
You are ultimately responsible for reporting and paying your taxes. Please price your services accordingly.
No. Clients want W-9s so they can report cash/check payments to the IRS via 1099-MISC.
WARNING: Income reported by Stripe.com (1099-K) and clients (1099-MISC) will probably be double-taxed incorrectly.
If clients don’t understand this, it may be new, so explain it confidently. If after a few minutes they don’t believe it, we recommend ending the call.
As appropriate, clients can still deduct your services as business expenses just like any other receipt. Stripe handles IRS reporting your income via a 1099-K.
From the IRS Instructions for 1099-MISC:
Payments made with a credit card or payment card and certain other types of payments, including third party network transactions, must be reported on Form 1099-K by the payment settlement entity under section 6050W and are not subject to reporting on Form 1099-MISC. See the separate Instructions for Form 1099-K. -- The IRS.
TurboTax has an interesting article on the 1099-K and 1099-MISC.
If you work with clients outside the bigSmall.io platform, it may be appropriate to do a W-9. But be clear with them about what goes on a 1099-MISC and what doesn't.
All experts and clients agree to bigSmall.io’s Terms of Service, which include the bigSmall.io Standard Consulting Agreement and bigSmall.io Confidentiality, Nondisclosure, and Invention Assignment. Everybody on bigSmall.io agrees to this at sign-up, so we can start work right away.
If a new client needs a different agreement, we recommend ending the call.
Why? You cannot reasonably negotiate and manage hundreds of contracts or confidentiality agreements. Many are unenforceable, and almost all are overbroad.
It’s dangerous to negotiate a contract under pressure (while billing face-to-face), and this kind of client is unlikely to pay if they don’t get what they want. Move on to help someone else.
If you and a client work outside the bigSmall.io platform, it’s appropriate to sign an agreement.
We recommend you make a plan with a tax pro, and have them do your taxes at the end of the year. It’s easy, less stressful, and can save you money.
We’ve met some great tax professionals, and some not-so-great ones too. Here is some information to help you select quality advice:
1) You are responsible for reporting and paying taxes.
bigSmall.io and/or Stripe.com do not do this for you. Stripe.com may report your income on the 1099-K.
2) How our business relationships are structured.
See bigSmall.io’s Terms and Conditions and Stripe.com’s Terms and Conditions for details, as this information may be outdated or inaccurate.
Your relationship with bigSmall.io
Your relationship with Stripe.com
We don't speak for Stripe.com, but this is our understanding.
bigSmall.io’s relationship with Stripe.com