Contractor Merchant Processing Built for Field Service Businesses
Compare payment processing options for contractors, plumbers, HVAC, electricians, roofers, and other home service companies.
Compare Contractor Payment Processing
Free side-by-side rate review. Reply within one business day.
Industry-specific merchant accounts
Get paid on the job site, in the office, or on the invoice
Every way a contractor needs to take a payment — wired into one merchant account with one set of reports.
Tap-to-pay on phone
Accept cards directly on iPhone or Android — no extra hardware. Perfect for techs in the truck.
Bluetooth card readers
Field-grade card readers that pair with your CRM or invoice app for chip, swipe and tap.
Virtual terminal
Take phone-in payments from the office with manual key-entry, AVS, and saved customer profiles.
Pay-by-link invoicing
Branded invoices customers pay online in one tap — with auto reminders until they do.
Text-to-pay
Send a payment link by SMS as soon as the job is done. Get paid before the truck pulls away.
ACH bank transfers
Lower-cost ACH for large tickets, progress payments and commercial accounts.
Collect cash flow at every stage of the job
From the booking deposit to the final balance, you control how customers pay — and when. No more chasing checks or waiting two weeks for a wire.
Collect 25–50% deposits before scheduling. Lock the calendar and the materials.
Bill in milestones for multi-week jobs. Customers get a clean ledger; you get cash flow.
Send invoices in seconds with your logo, line items, and a one-tap pay link.
Drop a payment link into the customer's pocket the moment the work wraps.
Free statement review. No obligation.
Hardware that fits in the truck — software that fits the office
Tap-to-Pay on iPhone & Android
Turn the phone you already own into a contactless card reader. No dongle, no extra hardware.
Bluetooth + countertop readers
Mobile readers for field crews and countertop terminals for the showroom or shop.
Virtual terminal
Office staff key in card-not-present payments with AVS, tokenization, and stored profiles.
Stop losing 3% to Square, Stripe, and PayPal
Generic payment apps weren't built for $12,000 roof jobs or recurring HVAC maintenance plans. We give contractors true merchant accounts with interchange-plus pricing, dedicated underwriting, and field-ready hardware.
- ✓Lower effective rate on large tickets
- ✓Approvals for high-risk and chargeback-prone trades
- ✓Surcharging programs to pass fees to customers (where legal)
- ✓Direct integrations with Jobber, Housecall Pro, and QuickBooks
Three steps to lower contractor processing rates
Email a recent processing statement. We do a free side-by-side comparison.
Approval in 24 hours for most contractors. No long-term contract.
Go live on new rates with hardware shipped or your existing terminal reprogrammed.
Contractor merchant processing FAQ
What is contractor merchant processing?
Contractor merchant processing is payment acceptance built around how trades and home service businesses actually get paid — large tickets, deposits, progress billing, mobile in-the-field collection, and recurring service plans. It's a true merchant account, not a flat-rate app like Square or Stripe.
How much can contractors save vs Square or Stripe?
Most contractors processing $25,000+/month save 20–40% on processing fees by moving from flat-rate apps (2.6–3.5%) to interchange-plus pricing. The bigger your average ticket, the bigger the savings.
Can I keep my current invoicing or field-service software?
Yes. We integrate with Jobber, Housecall Pro, ServiceTitan, QuickBooks and most major contractor platforms so payments flow into the tools you already use.
Do you support deposits and progress payments?
Absolutely. You can collect deposits, milestone payments, and final balances from one customer profile, with the entire ledger reconciled in one place.
How fast can I get approved?
Most contractors are approved in 24 hours. Even high-risk and chargeback-prone trades like roofing and remodeling can typically be live within a few business days.
Get your contractor processing quote today
Free statement review, side-by-side rate comparison, and a recommendation tailored to your trade and ticket size.
- No obligation, no contracts, no hard credit pull.
- Most contractors approved in 24 hours.
- Average savings of 20–40% vs Square / Stripe.
Compare Contractor Payment Processing
Tell us about your business — we'll come back with side-by-side rates within one business day.
Compare Contractor Payment Processing
Free statement review. Side-by-side rates. No obligation.