Version 2026-08-22.1 · Effective August 22, 2026
Addendum to the OpsBack Terms of Service. Enabling Guaranteed Jobs requires an electronic signature of this version.
IMPORTANT NOTICE: Guaranteed Jobs is an optional payout program, NOT an insurance product. Covered jobs require card authorization before dispatch and at least 3 before and 3 after photos taken on the customer site during closeout.
This Guaranteed Jobs Program Agreement (“Agreement”) is an optional addendum to the OpsBack Terms of Service. It governs the Guaranteed Jobs program (“Program”). By signing electronically, the Shop enrolls in the Program.
THE PROGRAM IS NOT INSURANCE, A SURETY BOND, A WARRANTY, OR A GUARANTEE THAT EVERY INVOICE WILL BE PAID. OpsBack does not promise to pay the Shop from OpsBack’s own funds when a customer card cannot be captured. Coverage applies only to Eligible Jobs that meet the process, authorization, and proof requirements in this Agreement.
When the Program is active: (a) each job is scored for eligibility; (b) Eligible Jobs require a card authorization before dispatch; (c) cash and check are not allowed; (d) the technician must check in on site and, at closeout of a qualifying visit, capture at least three (3) before photos and three (3) after photos of the work, on the customer site, during that closeout, using the device camera (photo library / gallery uploads do not count); (e) after documented closeout with valid proof, OpsBack attempts to capture the authorization and pay the Shop the invoice total minus the disclosed Program fee via Stripe Connect; (f) OpsBack then handles collections and payment-method disputes for covered events so the Shop can recover through OpsBack instead of chasing the customer.
If authorization is missing, expired, declined, or capture fails, there is no guaranteed payout until funds are recovered. OpsBack will pursue collection on Eligible Jobs and, when funds are recovered, pay the Shop the covered amount minus the Program fee.
Subcontractor jobs are not covered. Amounts above the per-job cap or above the authorized amount are not covered.
Not every job is an Eligible Job. OpsBack may score risk using factors such as shop trust, invoice amount versus cap, and customer details. OpsBack may mark a job ineligible, apply caps, or change eligibility rules. Ineligible jobs remain the Shop’s collection risk.
A job is not covered if required card authorization was not obtained before dispatch, if cash or check was used, if on-site closeout photo proof is missing or invalid, or if work was not actually completed as invoiced.
For qualifying closeouts on Eligible Jobs (repair completed or callback that completes the job), the Shop must cause its technicians to capture at least three before photos and three after photos of the work performed, during the closeout session after check-in and before the closeout is locked, while physically at the customer site.
Photos must be taken with the camera in the OpsBack closeout flow. Gallery, camera-roll, or other pre-existing files do not count. Each required photo must include a device location fix at capture showing the technician is within 0.3 miles of the job’s customer site coordinates. If the job has no customer site coordinates, the closeout is not eligible until a geocodable customer site is on the job.
Missing, insufficient, off-site, reused, or not-during-closeout proof means the job is not covered. If a payout was made despite defective proof, OpsBack may treat that as a shop-fault loss and claw back funds.
The Program fee is deducted from the payout. The fee percentage is disclosed at the time of enrollment (platform default, or a shop-specific override if OpsBack has set one) and may change with notice. Fees on completed guaranteed payouts are non-refundable.
The covered amount is the lesser of the invoice total, the authorized amount, and any applicable per-job cap, minus the Program fee. Payout is made to the Shop’s Stripe Connect account after successful capture, or later from recovered funds.
On an Eligible Job with a valid, unexpired pre-dispatch card authorization, on-site closeout photo proof, and documented completion of the invoiced work, OpsBack will capture the authorization and pay the Shop the covered amount.
After that payout, customer non-payment and payment-method chargebacks that are not shop-fault (for example, the customer simply refuses to pay, or the card issuer reverses a legitimate authorization without a workmanship or “service not rendered” claim) stay with OpsBack. OpsBack handles representment and collections for those covered events.
The Shop remains responsible for, and OpsBack may deny coverage or claw back payouts for: jobs without valid authorization; expired authorization or failed capture until funds are recovered; ineligible jobs; amounts over cap; cash or check; incomplete, not-performed, or misrepresented work; workmanship or “service not as described” disputes; fraud, collusion, inflated invoices, or related-party jobs; missing, off-site, gallery, or not-during-closeout photo proof; and refunds or settlements the Shop issues independently after payout.
For covered Eligible Jobs, the Shop authorizes OpsBack to collect customer payment and assigns to OpsBack the right to pursue the customer payment, authorization, capture, and related disputes. After a guaranteed payout, the Shop will not independently collect, settle, refund, or release the customer without OpsBack’s prior written consent.
For shop-fault losses, OpsBack may reverse Stripe Connect transfers, offset future payouts or credits, and/or charge the Shop’s payment method on file. If a reversal fails, the Shop will repay OpsBack within fourteen (14) days of notice.
OpsBack may investigate suspected fraud or abuse, suspend or force-disable the Program for the Shop, withhold or delay payouts, and report unlawful activity to authorities.
OpsBack may change eligibility rules, per-job caps, fees, and proof requirements, and may suspend the Program globally or for a Shop, including for risk, disputes, or operational reasons. Material changes to this Agreement will be published as a new version. Re-enabling the Program requires signing the then-current version.
The person signing represents that they are authorized to bind the Shop; that invoices and closeout documentation (including photos) are accurate; that invoiced work was actually performed; and that technicians will follow the on-site camera photo rules.
Either party may turn the Program off at any time. Turning the Program off does not require a new signature. Jobs already in the guaranteed flow when the Program is disabled remain governed by the version signed for that enrollment, except that OpsBack may still deny coverage or claw back for shop-fault events.
Every enablement, including re-enablement after a disable, requires a fresh electronic signature of the then-current Agreement version.
The Shop agrees that this electronic signature is the legal equivalent of a handwritten signature under applicable e-sign laws (including the U.S. ESIGN Act and UETA). OpsBack will store the signed version, checksum, signer identity, timestamp, and technical metadata (such as IP address and user agent).
The OpsBack Terms of Service (including Delaware law, AAA arbitration, limitation of liability, and disclaimers) still apply. If there is a conflict about Guaranteed Jobs, this Agreement controls for the Program only. This Agreement does not expand OpsBack’s liability beyond the Terms of Service.
Not every job is covered. If the technician does not get a card authorization before dispatch, you are not covered. Authorizations can expire. If capture fails, payout waits on recovery. Chargebacks for bad or incomplete work, missing photos, or off-site photos come back to the Shop. OpsBack may disable the Program. The Program fee reduces the payout. This is not insurance.
Shop owners must check each of the following when they sign to enable the Program:
This page is the public copy of the Program Agreement. Enabling Guaranteed Jobs in Billing requires signing the version shown at that time.