Payment costs for home and field service businesses.
HVAC, plumbing, electrical, landscaping and remodeling businesses take payment in the field, often against a written quote. That's a natural time to bring up payment pricing.
Average ticket
High
A general description.
Card mix
Moderate
Check and ACH are still common.
Cost driver
Invoice size
Percentage fees dominate here.
Where home services lose margin.
These are the patterns we see most often when we review statements in this category.
Quote-based selling
Pricing is shown before the customer approves the work.
Large project tickets
Percentage-based cost adds up fast on project invoices.
Payment in the field
Technicians need a simple, consistent way to talk about it and the right tools to take payment.
Deposits and milestones
Multiple charges per job add to the total cost.
Illustrative model
Example | HVAC contractor
- Monthly card volume
- $200,000
- Average ticket
- $1,850
- Assumed rate today
- 3.15%
- Estimated monthly processing cost
- $6,300
These numbers are for modeling only.
What we usually deploy first.
We set things up in order, so the change with the biggest impact happens before hardware or analytics.
Pre-set for a typical home service profile.
Adjust the inputs to match your own volume, ticket size, and current rate.
Inputs
≈ 108 card transactions per month
Total monthly processing cost ÷ total monthly card volume.
Residual cost retained by the merchant under a program structure.
Illustrative output
Estimated annual savings
$64,800
≈ 86% reduction in modeled acceptance cost
- Monthly processing cost
- $6,300
- Annual processing cost
- $75,600
- Estimated program cost / mo
- $900
- Estimated monthly savings
- $5,400
These are estimates only. Your actual results depend on your processing volume, interchange, card mix, processor fees, pricing and program setup.
Home Services questions.
Other industries
See the numbers for your home service.
Bring a recent statement and we will show you where your costs actually sit.
No obligation · Estimates are examples only