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CONTRACTOR PROTECTIONS

Your money. Your reputation.
Your control.

Zwivio was built to protect contractor outcomes. Here's exactly how that shows up when it matters.

Zwivio is not a public contractor directory.

Your company is only shown to a homeowner when you are actually involved in that homeowner's job flow.

Your card is not touched until a job is officially assigned to your schedule. That is the only trigger.

Platform Protection

You decline an offer

No charge. Nothing on your account.

Platform Protection

You miss the response window

No charge. The job moves on, your balance is untouched.

Platform Protection

You accept, but the homeowner does not confirm

No charge. The hold releases. Your card is never touched.

Platform Protection

A homeowner approves a different contractor on a Quote

No charge for that homeowner. You pay only per homeowner who explicitly approves you.

Inside Mission Control, Performance & ROI helps you review offer outcomes and platform-fee activity over time.

What is Zwivio (contractors) and the business-model page explain official assignment and charge timing across job types.

What a confirmed assignment costs

Line-item platform fees are shown on the pricing & earnings page after a quick contractor unlock. Fees apply on official assignment only. See the scenarios above for when you are not charged.

When a job changes after assignment

Most contractor billing questions come down to timing: whether the job was officially assigned, whether a Zwivio platform fee was collected, and whether homeowner contact details were already released.

If the job does not reach official assignment, Zwivio does not collect the platform fee. If no platform fee was collected, there is nothing to refund.

After a platform fee is collected, the outcome depends on what happened next. Some cases may result in contractor credit. Some may qualify for a cash refund. Some require Zwivio Ops review before a credit, refund, or denial decision is made.

If homeowner contact details were already released, the case is reviewed by Ops. Contact release means the contractor received homeowner information for that job, so Zwivio does not treat the situation as an automatic refund case.

Credit and refund are not the same thing. A credit adds balance to your Zwivio account for future platform fees. A refund sends money back to the payment method when supported by the payment provider and approved under the review process.

If your account uses manual billing, automatic cash refunds may not be available through the platform. In those cases, Zwivio may use account credit or handle the situation offline through Ops.

Before official assignment

No platform fee is collected before official assignment. If the job does not finalize, there is no Zwivio platform fee to refund.

After the fee is collected, before contact release

The case may qualify for contractor credit or refund depending on the timing, payment provider, and reason the job changed.

After contact release

Ops reviews the case. Zwivio looks at timing, contact release, job status, and available evidence before applying credit, refund, or denial.

Manual billing accounts

Manual billing may not support automatic cash refunds through the platform. Zwivio may apply account credit or handle the matter offline through Ops.

Homeowners choose how they want to be matched

When a homeowner submits a request, they choose their dispatch preference:

  • Auto-assign: For request types where auto-assign is enabled, once you accept and the platform confirms the match, the job can be officially assigned without a separate homeowner confirmation step. Your card is charged only on official assignment.
  • Manual approval: The homeowner reviews your profile and arrival window before confirming. The job is held for you during this window. If they do not confirm, the hold releases: no charge, no penalty to your score. You are not penalized for a homeowner who does not follow through.
  • Quote jobs always require explicit approval: Quote is the one job type where manual approval is not optional. It applies to every contractor on every Quote job. You may receive a Quote offer and submit your quote at zero cost. The platform fee is charged only when that specific homeowner explicitly selects you.

You never pay based on your acceptance alone. Official assignment is the trigger, and some request types include homeowner confirmation before that assignment is final.

If a dispute is filed against a job, it goes to Zwivio Ops for review, not an automated system.

  • You can submit evidence as part of your dispute response
  • A human may review the dispute before an outcome is applied
  • You are not penalized by an algorithm acting alone

Verified completion evidence

After a job is marked complete, contractors can optionally submit a 30-Second Close packet with photo evidence and job outcome details. Verified packets help document the work, support dispute protection, and improve future routing. When rewards are enabled for that job type, verified packets can earn wallet credit for future assignments.

See how 30-Second Close credits affect pricing →

Your Reliability Score reflects your history, not a single bad day

  • Tier placement is based on your overall track record, not any single incident
  • A late cancellation or missed offer does not immediately change your tier
  • Contractors who build a consistent record of fast responses, accepted offers, and completed jobs without last-minute cancellations are the kind of partners Elite standing reflects. Tier placement is determined by Zwivio from your overall history and conduct.
Starter

Getting started

Trusted

Proven track record

Elite

Earlier offers / first call

We reward the pattern, not the exception.

You control when you are available

On-Call is contractor-controlled. Turn it on when your team can realistically respond, and use capacity controls when the day changes. Mission Control lets you mark your team open, unsure, full for today, or available only during selected windows.

Accurate availability helps Zwivio avoid routing work to a team that cannot take it. If On-Call stays on while your team cannot engage, missed or late responses can affect reliability over time.

No background location tracking. Zwivio uses only the location you choose to share, such as a ZIP or city, to help with proximity and ETA context.

FULL is for today. Use FULL when your team is at capacity for new same-day work. Future service windows may still be considered if your On-Call and coverage settings allow them.

What happens if you miss your exclusive window

Exclusive windows are short by design. Homeowners need fast help, and the platform is built around that. But missing a window does not permanently remove you from consideration.

If your window expires and the job has not been filled yet, you can register late interest by text with your available arrival window. The platform will reconsider you at the next available opportunity in the routing flow. No guarantee, but you stay in play rather than being locked out entirely.

Two things that do not change when you register late interest:

  1. The expired window is still logged as a signal in your Reliability Score. Consistent fast responses are what builds Elite status. Late interest does not erase the miss.
  2. Your previous offer link remains expired. Late interest is a new signal to the platform, not a way to reopen an old offer.

Routing failures, stalled assignments, and dispute edge cases can have an Ops escalation path.

  • Contractors can reach Ops directly for billing questions, dispute evidence, and account issues
  • Manual Ops intervention may be available when automation fails or a situation falls outside normal routing
  • You are not navigating a help-desk chatbot when something goes wrong

Common contractor concerns

A few practical situations contractors often ask about before they ever run their first Zwivio job.

Something looks off before I accept

If homeowner details or timing look inconsistent, use caution and contact Zwivio Ops before forcing a risky commitment.

The timing changes after assignment

If timing shifts, communicate clearly and early. If the assigned plan no longer works, Zwivio may need to help restart the workflow correctly.

The issue is different on arrival

If the actual problem differs from the routed details, document what changed and submit it through the dispute flow in the portal if the visit needs review.

I need help with reassignment or escalation

If your team can no longer fulfill the job properly, timing and documentation matter. Contact Zwivio as early as possible so the next step can be handled correctly.

I think something should be reviewed

Billing disputes, misleading details, homeowner no-shows, contact-release questions, and other edge cases can be reviewed by Zwivio Ops with evidence. Automation does not replace that review.

I accepted, but the job cannot move forward

If the job cannot move forward, cancel it properly first when that option is available so Zwivio can continue routing. File a dispute afterward if there are grounds.

Automation handles most dispatches. Humans may handle additional cases. When routing can't complete an assignment automatically, our team may coordinate follow-up to help get the job covered. Homeowners receive updates along the way, and contractors aren't penalized for system-side gaps.

Still have questions before you apply?

Review the public FAQ and protection pages before you apply. If you need clarification, use the contact form.