Contractor Management

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CONTRACTOR PAYMENTS & TAXES

Fast and free contractor management

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From making payments to collecting W-9s and filing 1099 forms, we make contractor management simple and affordable.

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Two tradesmen shaking hands in front of a work truck. On-screen overlay shows a contractor payment of $1,000 from a business account labeled “Team Payments” to Ash Parker, with an option to manage W-9 contractor profiles.

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“Switching to Found saved me almost $2,000 a year on contractor payments alone—money I can put back into my business.”

Cub Larkin

Founder of Inclusive Therapy Group

How you can save with Found

Feature

Found

Others*

No required subscription fee^†

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No per-contractor fees^‡

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Free W-9 collection and management

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Free 1099-NEC generation

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Free 1099-NEC filing

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Instant, free Found to Found payments

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Free bookkeeping features

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Yes

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*Comparable platforms and tools surveyed include Gusto, QuickBooks, and Square Payroll. Based on research from October 2025. 
† Found's core features are free. Found also offers anFound also offers two optional paid products, Found Plus for $19.99/month or $149.99/year and Found Pro for $80/month or $720/year. Gusto requires a base monthly fee, after an initial 6-month promotional period with $0 monthly fees. QuickBooks requires a base monthly fee, though specific contractor plans may include up to 20 contractors before additional per-contractor fees apply. Square Payroll requires a $6/month per-contractor fee with no base plan available. Fee structures may vary based on plan selection, usage volume, or promotional periods. Data from October 2025.
‡ Found’s contractor management tools are available in Found’s core plan. Gusto charges $6 per contractor per month. QuickBooks contractor plans may include up to 20 contractors before charging an additional $2 per contractor for additional contractors beyond the included amount. Square Payroll charges $6 per contractor per month. Pricing varies based on plan type and number of contractors—some plans include a set number of contractors before per-contractor fees apply. Data from October 2025.

Pay contractors and prepare for taxes

PAYMENTS

A technician in blue overalls kneels on the floor while working on a heating unit next to a window. On the left, a mobile screen shows a contractor payment interface with a $175 payment to Adrian Tamayo and a large available balance.

Send 1099 payments via email, text, direct deposit, wires, and checks.

Schedule payments or save as draft, so they’re ready to go when you are.

Sending repeat payments? Simply duplicate the previous one.

TAXES

Three individuals in hard hats review blueprints on a construction site. A digital interface overlay prompts the user to collect W-9 information for contractor Ash Parker after sending a 1099 payment.

Request a contractor’s W-9 anytime or require it before they can accept payment.

We’ll track payments and generate 1099 NECs for contractors you’ve paid $600 or more.

Download and file 1099-NECs at the end of the year. You can even send 1099s from previous years directly to a contractor.

Learn more about how our payments give you more flexibility and control

Found has truly revolutionized the way we do business!

They collect contractor W-9s before dispersing payments, and automatically generate 1099s. It’s been a life-saver.

Olivia J.

KARMA YOGA

Frequently Asked Questions

How can I pay contractors through Found?

How much does it cost to use Found's contractor management tools?

What is a W-9 form, and why do I need it when paying a contractor?

Will Found help me collect and track W-9 forms?

How does Found help me generate, share, and file 1099-NECs?

How can my contractors benefit from having a Found account?

Easy sign up

No credit check

No minimum balance

No maintenance fees

Scan to download the Found app.

Found is available on iOS, Android, and desktop.

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One platform to manage
your business finances

Have Questions?

Email our support team:

help@found.com

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution.

²The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

³Found's core features are free. Found also offers two optional paid products, Found Plus for $19.99/month or $149.99/year and Found Pro for $80/month or $720/year.

⁴Optional subscriptions to Found Plus for $19.99/month or $149.99/year or Found Pro for $80/month or $720/year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule.

¹²Payments can be sent for free between Found users or by bank transfer via text, email, or direct deposit. Domestic wire transfers are available for a fee. Read Found Fee Schedule.

¹⁷Cash Back Terms and Conditions apply.

The information on this website is not intended to provide, and should not be relied on for, tax or legal advice.

Found partners with various providers to enable you to compare offers from participating institutions, such as lending, filing service, and insurance providers. Found is not a lender, a filing service, nor an insurance provider.

This website contains advertisement of Found and third party products and services.

According to NerdWallet, Found is the Best Business Checking for Paying Contractors and Saving for Taxes. (Source)

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.

Get started

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.