On a $15,000 job, the card fee is $450.
HVAC, plumbing, electrical, remodels, roofing, landscaping. The jobs are big, so the fees are big. At typical rates, one $15K card payment costs you $450. Across a season that adds up. Most of it can be bargained down.
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What contractors are up against
The fee scales with the job
A coffee shop pays fees on $6 sales. You pay them on $15,000 ones. The percentage is the same; the dollars are not, and nobody warns you how fast they stack up across a busy season.
You collect in the field, not at a counter
Deposit in the driveway. Final payment in the truck. A card read at the kitchen table. A setup built for a front desk leaves you driving back for checks.
Deposits and progress billing
Half down, draws at milestones, balance at the end. That needs a card kept on file and charged on schedule. Not a customer reading their number out three times.
Slow pay and chasing invoices
A texted pay link gets a $9,000 invoice paid the same afternoon. A mailed paper invoice gets paid whenever it gets paid.
The program fit
Dual pricing
Details →On big jobs, customers already expect a card fee. Dual pricing puts it on the card price plainly. Most of our trade clients run it and keep the full invoice.
ACH and eCheck
Details →On a $20,000 deposit, a flat bank-to-bank fee beats a percentage by a wide margin. We route the large payments to ACH and keep cards for the rest.
Interchange plus
Details →Would you rather build the fee into one price? Then take on the leanest fee, not a padded flat rate.
The systems we'd quote
Tap to Pay on your phone
Details →Take a chip or tap card on the phone in your pocket. Right at the job site. No extra gear.
SwipeSimple mobile
Details →A pocket reader, plus invoices and text-to-pay. For the crew that bills from the field.
Virtual terminal
Details →Keep a card on file. Charge deposits and draws on schedule. Send invoices that pay in one tap.
Clover
Details →For the shop or office front desk. One system for counter sales, invoices and reports.
Fair questions
Can I take a card on the actual job site?
Yes. Tap to Pay turns your phone into the terminal for chip and tap cards. A small Bluetooth reader adds swipe. It runs on the same account we bargained for. Not app-store pricing.
How do deposits and progress payments work?
We set up a virtual terminal that keeps the card on file. You charge the deposit, the draws and the balance on your own schedule. You never have to ask for the number again.
Should I pass the fee through on big jobs?
On large tickets most customers expect it, and dual pricing shows a cash price and a card price so the choice is theirs. On a $15K job that is roughly $450 you keep. We set it up compliantly or leave it off, your call.
Is ACH really cheaper for big payments?
On large amounts, yes, by a lot. A percentage of $20,000 is hundreds of dollars; a flat bank-to-bank fee is a few. We send the big deposits to ACH and keep cards for smaller, faster payments.
Can I text customers a link to pay?
Yes. Text-to-pay sends a safe link to a phone. The customer pays in one tap. The money lands in your account. It is the fastest way a trade shop gets a big invoice paid.
What's the real saving for a contractor my size?
Send one recent statement. Most trades run big tickets. A better rate plus moving large deposits to ACH usually saves thousands a year. You see your exact number in writing before you change a thing.
See what a season of fees is really costing you.
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