Payment Help
Get comprehensive support for all your payment, billing, and transaction needs on Help Me Noww. Find solutions to common payment issues and learn about our financial processes.
Payment Troubleshooting
Payment Declined or Failed
If your payment is declined, try these solutions:
- Verify your card details (number, expiry date, CVV) are correct
- Ensure you have sufficient funds or credit limit available
- Check if your card is enabled for online transactions
- Try a different payment method (different card or PayPal)
- Contact your bank to ensure they're not blocking the transaction
- Clear your browser cache and cookies, then try again
Still having issues? Contact our support team with your transaction details for immediate assistance.
Duplicate Charges
If you see multiple charges for the same booking:
- Check if these are pending authorizations (they'll drop off in 3-5 business days)
- Review your booking history to confirm actual completed transactions
- Contact support immediately if you identify genuine duplicate charges
- Keep screenshots of your bank statement for reference
Payment Processing Delays
Payment processing times vary by method:
Credit/Debit Cards
Instant to 2 business days
PayPal
Instant processing
Bank Transfer
3-5 business days
Digital Wallets
Instant to 1 business day
Billing Inquiries & Support
Understanding Your Invoice
Your Help Me Noww invoice includes:
- Service Fee: The provider's rate for the session
- Platform Fee: Small processing fee (typically 3-5%)
- Payment Processing: Credit card or payment method fees
- Taxes: Applicable local taxes based on your location
Billing Cycles & Timing
How and when you're charged:
- One-time Sessions: Charged immediately upon booking confirmation
- Recurring Sessions: Charged before each scheduled session
- Package Deals: Full amount charged upfront with session credits applied
- Subscription Services: Monthly billing on your signup date
Receipt & Invoice Management
Access and manage your billing documents:
- Log into your Help Me Noww account
- Navigate to "Billing & Payments" in your dashboard
- View all transactions and download receipts
- Set up automatic receipt emails
- Export billing history for expense reporting
Billing Dispute Process
If you notice an incorrect charge, contact our billing support within 60 days. We'll investigate and resolve the issue promptly, including issuing credits or refunds when appropriate.
Refund Request Procedures
Our Refund Policy
We want you to be completely satisfied with your Help Me Noww experience. Here's when refunds are available:
- Session cancelled by provider with less than 24 hours notice
- Technical issues prevent session completion
- Provider no-show or significant lateness (15+ minutes)
- Service quality significantly below expectations
- Cancellation within our standard cancellation window
How to Request a Refund
- Go to your booking history
- Find the relevant session
- Click "Request Refund"
- Select your reason
- Provide additional details
- Submit your request
Refund Processing Times
Credit Cards
3-5 business days
PayPal
1-2 business days
Bank Transfer
5-7 business days
Partial Refunds
In some cases, partial refunds may be issued:
- Session completed but cut short due to technical issues
- Late cancellations within the provider's cancellation policy
- Partial service delivery due to unforeseen circumstances
- Platform credits may be offered as an alternative to cash refunds
Payout Issues & Solutions
For Service Providers
This section helps providers understand and resolve payout-related issues with their earnings from Help Me Noww sessions.
Payout Schedule
Weekly Payouts
Every Friday for completed sessions
Minimum Threshold
$25 minimum for payout processing
Processing Time
2-3 business days to reach your account
Common Payout Issues
- Outdated banking information
- Incomplete tax documentation
- Account verification pending
- Below minimum payout threshold
- Banking system maintenance
- International transfer delays
Setting Up Payouts
- Complete your provider profile and verification
- Add your banking information in "Payout Settings"
- Submit required tax forms (W-9 for US, tax info for international)
- Verify your identity with government-issued ID
- Complete a test payout to confirm setup
Troubleshooting Delayed Payouts
If your payout is delayed:
- Check your payout settings for any missing information
- Verify your bank account details are correct and active
- Ensure all tax documentation is complete and up-to-date
- Contact support if delays exceed 5 business days
- Check for any holds due to disputes or policy violations
Tax Information & Documentation
Important Tax Notice
Tax requirements vary by location and user type. This information is for guidance only. Please consult with a qualified tax professional for advice specific to your situation.
For Clients (Service Buyers)
- Business expenses may be tax-deductible
- Keep receipts for professional development sessions
- Consult tax advisor for business vs. personal expenses
- Download annual spending summary from your account
For Providers (Service Sellers)
- All earnings are considered taxable income
- 1099-NEC forms issued for US providers earning $600+
- International providers receive annual earnings statements
- Track business expenses for potential deductions
Tax Document Access
Access your tax documents through your account:
- Log into your Help Me Noww account
- Navigate to "Tax Documents" in your dashboard
- Download available forms (1099-NEC, earnings summaries)
- Forms typically available by January 31st for the previous year
- Contact support if you need additional documentation
International Tax Considerations
VAT/GST
Applied based on your location and local tax laws
Withholding Tax
May apply to international providers per tax treaties
Currency Conversion
Exchange rates documented for tax reporting
Local Compliance
Your responsibility to comply with local tax laws
Accepted Payment Methods
Credit Cards
Visa, Mastercard, American Express, Discover
Debit Cards
All major debit cards with Visa/Mastercard logos
PayPal
PayPal account or PayPal Credit
Digital Wallets
Apple Pay, Google Pay, Samsung Pay
Bank Transfer
Direct bank transfers (ACH)
Buy Now, Pay Later
Klarna, Afterpay, Affirm
Payment Security
Your payment information is protected with industry-standard security measures:
- 256-bit SSL encryption for all transactions
- PCI DSS compliance for credit card processing
- Tokenization to protect stored payment methods
- Fraud detection and prevention systems
- Two-factor authentication for account security
Adding Payment Methods
- Go to your account settings
- Select "Payment Methods"
- Click "Add New Payment Method"
- Enter your payment details
- Verify with a small test charge
- Set as default if desired
Managing Payment Methods
- Update expiration dates and billing addresses
- Remove old or unused payment methods
- Set a default payment method for faster checkout
- Enable automatic payment method updates
- Review payment history and receipts
Need Additional Payment Support?
If you couldn't find the answer to your payment question, our dedicated support team is here to help. We prioritize payment and billing issues for quick resolution.