Industries · Trades & home services

Credit card processing for contractors
and home services

Take the deposit before you buy materials, tap to pay in the driveway, and send the invoice from the truck. Most trades don't need a full POS, and we'll tell you if you don't.

Free rate analysis for contractors and home services →New Business? Start Here

Or call 949-946-2442 or text us.

  • Plumbing and HVAC
  • Electricians
  • Roofers
  • Landscaping and pools
  • Cleaning
  • Remodelers
Next-day fundingNo waiting on your money
Month-to-monthNo cancellation fee
Free equipmentIf you qualify. No lease.
24/7 supportExcept most federal holidays
The problem

Where the money leaks between the job and the bank.

Big tickets, big fees

Card fees are a percentage, so the bigger the job, the bigger the bite.

Keyed-in cards cost more

Card numbers typed in by hand usually cost more than a tap or chip.

Waiting on checks

Mailed checks and open invoices mean the work is done and the money still isn't in the bank.

Software that sets your rate

Some field service apps bundle in their own processing, at their own price.

Most popular options

The trades setups we put in most.

Most trades don't need a full POS. We recommend the setup that best fits how you get paid. These are the four trades pick most.

Most popularSwipeSimple app with the Swift B250 reader

SwipeSimple

Plumbers, HVAC, cleaners, service crews

  • Take payment on site, or invoice when the job is done
  • Tap to Pay on iPhone, no reader needed
  • Swift B250 reader for chip, swipe, and tap
  • Invoices by email or text from the app
  • Payment links and text to pay
  • Scheduled payments and installment plans
  • ACH payments
  • QuickBooks Online sync
  • Dual pricing supported

Full SwipeSimple page →

Clover Go card reader

Clover Go

Crews that want a Clover in every truck

  • A pocket-sized reader that pairs with your phone or tablet
  • Chip, swipe, and contactless, including Apple Pay and Google Pay
  • Works over Wi-Fi or cellular data
  • Clover Flex Pocket for crews taking payments all day
  • Dual pricing supported

Full Clover page →

Hyfin invoicing

Hyfin

Deposits, progress billing, and big jobs

  • Invoices by text or email
  • Installments, reminders, and late fees or early-pay discounts
  • Card or ACH payments
  • Virtual terminal for payments by phone
  • Two-way QuickBooks Online sync

Invoicing →

PayBright Gateway dashboard

PayBright Gateway

Invoices, ACH, and saved cards

  • Invoices by email or text, with tracking for what's been paid
  • Cards and ACH bank payments in one place
  • Virtual terminal to take cards by phone or browser
  • Customer vault for cards on file
  • Recurring billing that updates many expired or replaced cards

Payment gateways →

Pricing options

Three ways to price a trades business.

Trades often have large tickets, so the card cost on each job is noticeable. Some contractors offset it with dual pricing or a cash discount. Others invoice businesses and prefer interchange-plus. We price both from your statements.

$0-fee option

Dual pricing

Two prices on every ticket: one for cash, one for card. Card customers cover the card cost. The card price applies to all cards, debit included.

Example: a job with an $850.00 cash price shows an $884.00 card price, a 4% difference. This is an example, not a quote. Your card price is set when we set up your program.

How dual pricing works →

$0-fee option

Cash discount

One posted price, with a discount for customers who pay cash. We set up the signage and receipts so it's clear at checkout.

Cash discount vs. dual pricing →

One price for everyone

Interchange-plus

You pay what the card networks charge, plus a fixed markup you can see on every statement. Your customers see one price.

What is interchange-plus? →

Not sure which fits? Send your last 2 statements. We price each option against what you pay now and show you the difference in dollars.

Free rate analysis for contractors and home services →
What we handle

Get paid on the job, not weeks later.

Plumbers, electricians, HVAC, landscapers, and remodelers get paid in the field and by invoice, not at a register. Your setup should work the same way.

Your field software

Already invoicing in Jobber or Housecall Pro? Our setup works alongside both, and we confirm how it works before anything changes.

Virtual terminal

Take a card over the phone from a browser with Hyfin's virtual terminal. No extra terminal required.

$0-fee options

Dual pricing or cash discount, so card customers cover the card cost on bigger tickets.

Who it's for

Built for crews like yours.

HVAC, plumbing, electrical, roofing, landscaping, pest control, cleaning, painting, and moving companies. If you work in the field and bill by the job, the setup is the same idea: a reader or phone on site, invoices for the rest.

Plumbing and HVAC

Take payment in the driveway or send an invoice from the truck.

Electricians and roofers

Deposits before materials and progress billing on big jobs.

Landscaping and pool service

Monthly service billed automatically to a saved card.

Cleaning and handyman

Tap to Pay on iPhone, with no reader to carry.

Integrations

Works with the software your crews already use.

Field service, invoicing, and accounting software, connected to the same merchant account.

Jobber

Field service scheduling and invoicing. Our setup works alongside it.

Housecall Pro

Home service scheduling and invoicing. Our setup works alongside it.

JobNimbus

Roofing and contractor CRM. Our setup works alongside it.

QuickBooks Online

Synced through Hyfin, SwipeSimple, or BillerGenie.

And many more, including Hyfin, SwipeSimple, LEAP, Contractor+, Markate, ServiceMinder, ServiceMonster, Octopus Pro, Striven, Sensai, and Cin7.

Use other software? Tell us what you use or call 949-946-2442, and we'll check with PayBright's integration team to see if it can connect. We confirm how it works before anything changes. See every integration →

Bigger jobs

Deposits and progress billing.

Remodels and installs get paid in stages. Set the schedule up once and let the payments come in.

Deposit before materials

Collect a deposit by card or payment link when the job is booked, before you order materials.

Progress payments

Hyfin sends invoices by text or email with installments, reminders, and late fees or early-pay discounts, so each stage gets billed on time.

ACH for large tickets

Bank-to-bank payments through the PayBright Gateway or Hyfin for large jobs you'd rather not put on a card.

Saved payment methods

Keep a customer's card or bank account on file for the final payment or a service plan.

Your books

Invoicing and QuickBooks.

Send invoices from the field and keep your books up to date.

Hyfin, SwipeSimple, BillerGenie

All three send invoices and payment links and sync with QuickBooks Online, so your books stay up to date.

PayBright Gateway

Send invoices by email or text. Cards and ACH bank payments in one place.

Example setups

How trades businesses set it up.

A plumbing company with five trucks

Techs collect on the spot and the office needs to see every payment.

Setup: Clover Go or SwipeSimple on each tech's phone, with payments in one dashboard. If you use Jobber or Housecall Pro, our setup works alongside it.

A remodeling contractor

Big tickets, deposits up front, and payments in stages.

Setup: Hyfin invoices for the deposit and each stage, with ACH for large payments and QuickBooks Online sync.

A pool service company

The same customers every month on a set route.

Setup: Recurring billing on a saved card, so payments run on schedule without a call.

A roofing company on JobNimbus

Techs in the field and an office that needs every payment tracked.

Setup: Our setup works alongside JobNimbus, and crews take payment on site with Clover Go.

A weekly cleaning service

The same clients every week.

Setup: Recurring billing on a saved card, so payments run on schedule.

These are examples. Your setup is based on how your business runs and what you process.

Why trades businesses choose us

What you get with every account.

Meet or beat. Already set up somewhere else? Show us your statement. We'll match or beat it whenever we can, and if we can't, we'll tell you straight.

How it works

From first call to first job paid.

01

Send your last 2 statements

Every page, from every processor or location. Opening a new business? Just tell us about it.

02

We compare the pricing

What you pay now next to interchange-plus and dual pricing, in dollars per month.

03

We match the tools

Mobile readers, Tap to Pay, invoicing, or all three, based on how your crews work.

04

You go live

Equipment and training, then next-day funding on your sales.

Pairs well with: Mobile payments · Invoicing · QuickBooks integrations · Recurring billing

Free rate analysis for contractors and home services →New Business? Start Here

Common questions

Straight answers.

Do I need a POS system?

Usually not. Most trades are covered by a phone, a reader, and invoicing.

Can I keep Jobber or Housecall Pro?

Yes. Our setup works directly alongside Jobber, Housecall Pro, JobNimbus, LEAP, and ServiceMonster, so you can keep scheduling and invoicing the way you do now. Using other field service software? We'll check it for you.

Can I keep QuickBooks?

Yes. Hyfin, SwipeSimple, and BillerGenie sync with QuickBooks Online, and BillerGenie also connects to QuickBooks Desktop.

How fast do I get paid?

You get next-day funding.

Can I take a card without a reader?

Yes. SwipeSimple Tap to Pay on iPhone and the Dejavoo iPOSGo! app on iPhone or Android take contactless cards and phone wallets right on your phone, no reader needed.

Can I bill a big job in stages?

Yes. Take a deposit up front, then send progress invoices with installments and reminders through Hyfin or the PayBright Gateway.

Still have a question? Call 949-946-2442 or text us.

Free rate analysis for contractors and home services →

Other industries: Auto repair & tire shops · Detailing & car washes · Grocery & markets · Law firms & legal · Leaving Square or Stripe · Liquor stores · Medical, dental & healthcare · Memberships & recurring · Professional services · Quick-service & kiosks · Regulated & high-risk · Restaurants & bars · Retail & specialty · Salons, barbers & med spas · Startups & new business

Where we work

Trades and home service businesses across Southern California, and nationwide.

Based in Orange County. We work with businesses by phone, text, and email, so there's no office visit needed.

Trades & home services · Free, no commitment

See what your business is really paying.

Send your last 2 statements. We'll put what you pay now next to what you'd pay with us, in plain numbers.

Free rate analysis for contractors and home services →New Business? Start Here

Next-day fundingMonth-to-monthFree equipment if you qualifyCall or text 949-946-2442