Instacart Pay Stubs: How They Work and How To Verify Income

Instacart is an admired grocery delivery service that allows customers to shop for groceries online and have them delivered to their doorsteps.

The company hires drivers as independent contractors to pick up and deliver groceries to customers.

Drivers receive compensation per delivery and can see their Instacard pay stubs in the app.

If you are an Instacart driver and want to know how to use Instacart pay stubs as proof of income, here is what you need to know.

What Is an Instacart Pay Stub?

An Instacard pay stub is an electronic documentation of how much a driver has earned from deliveries.

The information is available under the Earnings tab in the Instacart app.  

Can You Get Instacart Pay Stubs?

Instacart does not provide regular pay stubs for full-service clients since the firm is a franchise, not an employer.

Therefore, you cannot get official pay stubs from them.

On the other side of things, Drivers can track their Instacart pay by logging into the app and going to the ‘Earnings’ page.

The page will update after each delivery is completed.

Does Instacart Send Pay Stubs?

Instacart does not send out pay stubs to contractors.

The responsibility of tracking and keeping track of earnings falls on the drivers.

Will I Get a W2 From Instacart?

Instacart does not send out a W2 form to its drivers.

You will not receive a W2 from Instacart because you are an independent contractor, not an employee.

However, they send out a 1099 tax form if you earn more than $600 a year.

Why Doesn’t Instacart Offer Pay Stubs?

Instacart is a franchise, not an employer.

Therefore, legally they are not obligated to provide pay stubs to their drivers.

Instead, the company only sends out 1099 tax forms each year.

Independent Contractor vs. Employee

Knowing the difference between an independent contractor and an employee is essential.

As an independent contractor, you are in business for yourself.

It means you are responsible for paying your own taxes, insurance, and retirement.

You are also not entitled to the same benefits as an employee, such as vacation days, sick days, and health insurance.

Drivers run their own businesses and are responsible for tracking their earnings and time worked.

When Do You Need to Verify Income?

There are some instances when you may need to verify your income from Instacart.

For example, if you are applying for an apartment or a loan, you may be asked to provide proof of income.

Unfortunately, Instacart doesn’t send you standard pay stubs, but they can still help you provide proof of income in these cases.

Applying for Health Insurance

If you are looking to apply for health insurance, you may need to provide proof of income.

Instacart drivers can get a letter from the company that verifies their income.

To get this letter, contact customer service.

Applying for Government Aid

You must provide proof of income if you are looking to apply for government aid, such as food stamps or housing assistance.

However, as mentioned before, a driver may obtain a letter from the firm verifying their earnings through customer support at Instacart if the 1099 form doesn’t suffice.

Filing Taxes

Each year, you will need to file your taxes.

When you file your taxes, you must report your income from Instacart.

You will get a 1099 tax form online or by mail from Instacart if you earn more than $600 with the company in a year.

This tax form will list your total earnings from the company for the year.

Taking Out a Mortgage or Loan

Unfortunately, you may not be able to use Instacart as proof of income for a mortgage or loan.

In this case, most lenders only look at the income from a traditional job with an employer.

They may not accept income from gig work, such as driving for Instacart.

However, it doesn’t hurt to try.

You may discover a lender that is willing to work with you.

If you’ve been working for Instacart for some time consistently, you may be able to provide other documentation, such as bank statements, to prove your income.

When Renting an Apartment

Some landlords may be willing to accept income from Instacart as proof of income when you are renting an apartment.

However, this largely depends on the landlord.

You may also need to provide bank statements in this case.

How to Verify Your Income as an Instacart Shopper

There are ways that you can verify your income as an Instacart shopper.

You can contact customer support and request a letter confirming your earnings.

You can also provide bank statements or tax documents as proof of income.

Does Instacart Show Earnings Right Away?

When a driver completes an order for a customer, their earnings get updated.

It can take 30 minutes to an hour to show up in the system.

How Do You Check Your Earnings on Instacart?

Checking Instacart earnings is straightforward using their new progress tracker.

First, let’s look at how you can check Instacart earnings for different periods.

How to Check Instacart Monthly Earnings

First, navigate to the app and sign in.

Next, click on the three-lined icon in the upper left-hand corner of the home screen.

A menu will appear.

Scroll down and click on “Account.”

Then, click on “Earnings.”

You will arrive on the Earnings page that lists your earnings for the current week.

If you want to view earnings from previous weeks or for the month, scroll down.

You will be able to see profits from the last four weeks.

How to Check Instacart Weekly Earnings

Once you click on Earnings, you will automatically reach the page that lists your earnings for the current week.

It shows up as the first week at the top of the previous weeks.

How to Check Instacart Daily Earnings

To check your daily earnings, click on the current week.

It will show you your daily earnings.

Do the same to check payments for other days.

How to Check Year-to-Date Earnings

Unfortunately, Instacart doesn’t offer a year-to-date earnings summary.

To calculate this, you must add up your weekly or monthly earnings.

How to Find the Batch Summary

On the Earnings page, under transaction history, click on view more.

Under ‘Paid,’ you will see a list of dates you received payment from Instacart.

Click on a date, and the batch summary will show.

How to Report Instacart Income on Your Taxes

If you receive a 1099 tax form from the company, it will list your total earnings from Instacart for the year.

Use that to file your taxes.

Frequently Asked Questions

Below are some frequent inquiries on Instacart pay stubs.

Wrapping Up

As you can see, pay stubs from Instacart can be helpful in many situations.

Whether you’re trying to verify your income for an apartment rental or you’re doing your taxes, they can come in handy.

Though Instacart doesn’t provide pay stubs, they offer other options to verify your income.

Not to mention they provide high-quality support to help you along the way.

Did this article help you understand Instacart pay stubs better?

Let us know in the comments below!

Instacart provides yearly 1099 tax forms for shoppers that earned more than $600 in a year and a real-time earnings tracker in the app to assist shoppers in monitoring their earnings.

Contact their customer support team if you have questions about Instacart pay or taxes.