Prerequisites: Completed Registration & Verification
Overview
JamDrive uses Stripe Connect to handle all driver payouts. Once set up, your earnings from card payments are automatically deposited to your bank account weekly. This tutorial walks you through the setup process.
Why Stripe Connect?
- Automatic payouts — No need to collect payments manually
- Secure — PCI-compliant payment processing
- Transparent — See exactly what you earn per ride
- Fast — Weekly deposits to your bank account
- Flexible — Cash payments are also supported (you keep 100% of cash fares)
Setting Up Stripe Connect
1
Access Stripe Setup
- Open the JamDrive app
- Go to Profile > Earnings > Payout Settings
- Tap "Set Up Stripe Payouts"
- You'll be redirected to Stripe's secure onboarding page
2
Enter Personal Information
Stripe requires identity verification for all account holders:
| Field | What to Enter |
|---|---|
| Full legal name | Must match your government ID |
| Email address | Your primary email |
| Date of birth | Your date of birth |
| Phone number | For verification codes |
| Home address | Your current residential address |
| Last 4 of TRN | Last 4 digits of your TRN |
Important: All information must match your government ID exactly. Mismatches will delay verification.
3
Enter Bank Account Details
| Field | What to Enter |
|---|---|
| Account holder name | Must match your name on the account |
| Account type | Savings or Current |
| Bank name | Select from list of Jamaican banks |
| Sort code/Routing | Your bank's sort code |
| Account number | Your bank account number |
Accepted banks in Jamaica:
- National Commercial Bank (NCB)
- Sagicor Bank
- Scotiabank
- JMMB Bank
- First Global Bank
- CIBC FirstCaribbean
- Other major Jamaican banks
4
Verify Your Identity
Stripe may request additional verification documents:
- Government ID photo — Passport, voter ID, or national ID
- Selfie — For identity matching
- Proof of address — Utility bill or bank statement (within 3 months)
5
Submit
- Review all information
- Click "Submit"
- Stripe will review (typically 1-3 business days)
- You'll receive an email when verified
Stripe Account Status
Check your status in Profile > Earnings > Payout Settings:
| Status | Meaning | Action |
|---|---|---|
| Not Set Up | No Stripe account linked | Complete setup above |
| Pending | Under review | Wait for verification |
| Action Required | More info needed | Check email/dashboard |
| Verified | Ready for payouts | You're all set! |
| Restricted | Account limited | Contact support |
How Payouts Work
The Payment Flow
Passenger pays (card) ? Stripe processes ? JamDrive commission deducted ? Your share ? Weekly payout ? Your bank
Payout Schedule
| Detail | Info |
|---|---|
| Frequency | Weekly |
| Payout day | Every Monday |
| Processing time | 2-3 business days |
| Minimum payout | JMD 1,000 |
| Currency | JMD |
| Cut-off | Rides completed by Sunday night included in Monday payout |
Earnings Dashboard
View your earnings in the JamDrive app: Profile > Earnings shows:
- Today's earnings — What you've earned today
- This week — Current week's total
- This month — Current month's total
- All time — Total earnings since you started
- Pending payout — Amount waiting for next Monday's deposit
- Ride breakdown — Individual ride earnings
Commission Rates by Plan
| Plan | Platform Commission | Your Share |
|---|---|---|
| Basic | 15% | 85% |
| Standard | 12% | 88% |
| Driver+ | 5% | 95% |
Example: On a JMD 950 fare with Basic plan:
- Platform takes: JMD 142.50
- You earn: JMD 807.50
Understanding Your Earnings
Ride Fare Breakdown
Each ride shows:
- Base fare — Starting fare for the ride
- Distance fare — Additional charge per km
- Time fare — Additional charge per minute
- Total fare — What the passenger paid
- Platform fee — JamDrive's commission
- Your earnings — What you receive
Cash Rides
For cash payments:
- Passenger pays you directly in cash
- You keep the full amount (no commission on cash)
- Still log the ride in the app for tracking
- Cash earnings are not deposited via Stripe
Tips
- Passengers can tip you after the ride
- Tips are 100% yours — no platform commission
- Tips are included in your Stripe payout
Managing Your Stripe Account
Updating Bank Details
- Go to Profile > Earnings > Payout Settings
- Tap "Update Bank Details"
- Enter new bank information
- Submit for verification
Note: Changing bank details may cause a brief hold on the next payout cycle while verification completes.
Viewing Transaction History
- Go to Profile > Earnings > Transaction History
- See all rides and their payment status:
- Paid — Successfully deposited
- Pending — Awaiting next payout
- Processing — Being deposited now
Accessing Stripe Dashboard
For detailed Stripe account management:
- Go to Profile > Earnings > Payout Settings
- Tap "View Stripe Dashboard"
- You'll access Stripe's full dashboard where you can:
- View detailed transaction history
- Download statements
- Update personal information
- Manage payout preferences
Tax Information
As an independent contractor, you're responsible for your own taxes:
- Income tax — Report all earnings on your tax return
- No withholding — JamDrive does not withhold taxes
- 1099/Equivalent — Stripe may issue tax documents for significant earnings
- Track your earnings — Use the transaction history for tax records
Tip: Set aside 15-25% of your earnings for taxes. Consult a tax professional for advice specific to your situation.
Common Issues
| Issue | Solution |
|---|---|
| Stripe verification taking long | Check email for document requests; ensure name matches ID |
| Payout not received | Verify bank details; check minimum (JMD 1,000) met |
| "Action Required" status | Log in to Stripe via the dashboard to see what's needed |
| Wrong bank account | Update in Payout Settings; takes effect next cycle |
| Account restricted | Contact Stripe support via dashboard or email support |
| Missing ride earnings | Rides may take 24 hours to appear; contact support if >48h |
Driver+ Subscription: Better Payouts
Consider upgrading to Driver+ for:
- 5% commission (vs 15% Basic) — earn JMD 900 per JMD 1,000 fare
- Faster payouts — Next-day payout available
- Fuel perks — Discounted fuel at partner stations
- Priority matching — Get ride requests before Basic drivers
- Launch price: JMD 249.50/month (50% off for first 3 months)
Security & Privacy
- Stripe is PCI DSS Level 1 certified
- Your bank details are encrypted
- JamDrive staff cannot see your full bank account number
- All payment data is handled by Stripe's secure infrastructure
Need Help?
- JamDrive Support: support@jamdriveja.com | 876-JAM-DRIVE
- Stripe Support: Available through the Stripe dashboard
- Payroll Questions: payroll@jamdrive.com