Question 1

Is StubFast legal to use?

Accepted Answer

Yes. Pay stub generators are legal tools used by self-employed individuals, freelancers, and small businesses to create income documentation. StubFast generates stubs for informational and income verification purposes. All stubs include a clear disclaimer and are not intended for fraudulent use. Using a pay stub generator to falsify income for loan or rental fraud is illegal — our terms of service and anti-fraud wording explicitly prohibit this.

Question 2

Will my pay stub pass landlord or lender verification?

Accepted Answer

Every paid stub from StubFast includes a unique QR code and verification ID that landlords and lenders can use to confirm authenticity at stubfast.com/verify. Our stubs are designed with professional formatting that matches industry standards. That said, individual landlords or lenders may have specific requirements — we recommend pairing stubs with additional documentation like bank statements when possible.

Question 3

How is this different from competitors like thepaystubs.com?

Accepted Answer

Several key differences: (1) We're $5 cheaper — $6.99 vs $11.99 at thepaystubs.com. (2) We include a dedicated 1099 contractor and self-employed mode — competitors treat all workers as W2. (3) We have a true, no-exclusions 100% money-back guarantee — competitors carve out 'personal dislike' and 'calculation uncertainty' from refunds. (4) Every stub includes a QR verification code at no extra charge. (5) No post-purchase email spam — only transactional emails.

Question 4

Do 1099 contractors and freelancers get pay stubs?

Accepted Answer

Technically, employers issue pay stubs to W2 employees — not to 1099 contractors. However, self-employed individuals and 1099 contractors often need proof of income for apartments, loans, and other financial applications. StubFast generates an 'Income Verification Statement' for 1099/self-employed workers that shows gross income, estimated self-employment tax (15.3%), and net income. This is the legally appropriate format for contractors.

Question 5

How accurate are the tax calculations?

Accepted Answer

Our tax calculations are based on the IRS 2024 tax withholding tables (Publication 15-T) and current state income tax rates for all 50 US states. For W2 employees, we calculate federal income tax using the percentage method, plus Social Security (6.2%) and Medicare (1.45%). For 1099/self-employed workers, we calculate self-employment tax at 15.3% and estimated federal income tax on net earnings. All calculations are estimates — for precise tax advice, consult a CPA.

Question 6

Can Uber, DoorDash, and Lyft drivers use StubFast?

Accepted Answer

Yes — we built a dedicated Gig Worker mode specifically for rideshare and delivery drivers. Select your platform (Uber, DoorDash, Lyft, Instacart, Amazon Flex, Grubhub), enter your earnings for the period, and we generate a professional income statement. This is commonly used for apartment applications and car loans where standard proof of employment isn't available.

Question 7

What's included in the free preview?

Accepted Answer

The free preview shows you a complete, fully calculated pay stub with all your information — but with a 'SAMPLE' watermark across the PDF. This lets you verify the information is correct before paying. The paid version ($6.99) removes the watermark and adds the QR verification code, giving you a clean, professional document ready to share.

Question 8

Can I edit a pay stub after generating it?

Accepted Answer

Yes. All generated stubs are saved to your dashboard. You can open any previous stub, edit any field, and regenerate the PDF at any time. The duplicate feature lets you copy a previous stub to start a new pay period — just update the dates and earnings. If you have a subscription, editing and re-downloading is unlimited.

Question 9

Is my personal information secure?

Accepted Answer

All data is encrypted in transit (TLS/SSL) and at rest. We store only the minimum information necessary to generate your stub. We do not sell or share your information with third parties. We use Supabase (SOC 2 certified infrastructure) for data storage and Stripe (PCI-DSS Level 1) for payments. You can request deletion of your data at any time.

Question 10

What if I need stubs for multiple months?

Accepted Answer

Our 3-stub bundle ($17.99) and 6-stub bundle ($32.99) are built for exactly this use case. Many landlords and mortgage lenders ask for 2–3 months of pay stubs — buying a bundle is significantly cheaper than purchasing individual stubs. Monthly and annual subscriptions are available if you need stubs regularly.

Self-Employed Pay Stub Generator

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