Credit Card Processing for Contractors and Home Services
Contractors and home service businesses need to get paid in the field and by invoice, so a mobile reader plus online invoicing and ACH is the typical setup. With large job tickets, interchange-plus pricing and ACH for big payments usually deliver the biggest savings.
What processing problems do contractors & home services face?
- Getting paid on-site
- Large tickets with high flat-rate fees
- Deposits and progress payments
- Slow checks and late invoices
What does a typical setup look like?
- Mobile card reader or phone tap-to-pay
- Field service software with integrated payments
- Invoicing with ACH and card options
- Customer financing for large projects
What POS features matter most?
- Field service software integration
- Offline mobile payments
- ACH
- Deposits and progress billing
What should you look for in a provider?
- Low rates on large tickets
- Cheap ACH
- Fast funding
- Level 2/3 for commercial clients
FAQ: credit card processing for contractors & home services
What's the cheapest way to accept large payments?
ACH bank transfers are usually far cheaper than cards for large invoices. Offering both gives customers a choice.
Can I accept cards on my phone?
Yes. Many providers support tap-to-pay on iPhone and Android or a small Bluetooth reader.
Can I add a surcharge for card payments?
In most states you can surcharge credit cards within card network limits and disclosure rules. Debit cards can't be surcharged.
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