Feature
Payment Processing in trades software
In-app credit card and ACH payment collection with same-day or next-business-day deposits.
Quick summary
- What it is: In-app credit card and ACH payment collection with same-day or next-business-day deposits.
- Tools with this feature: 22 of 120 in our directory
- Matters most for: HVAC, Plumbing, Electrical, Roofing, Cleaning Services, Landscaping & Lawn Care, Pest Control
What is payment processing in trades software?
Native payment processing eliminates the need to juggle a separate Stripe or Square account for in-app payments. Better implementations support credit card, ACH, Apple Pay, instant payouts (for a fee), recurring billing for membership plans, partial payments, deposits, and customer-facing payment links sent via SMS or email. Pricing typically runs 2.59-2.99% + $0.30 per credit card transaction, comparable to standalone processors.
Why payment processing matters
Faster collection = better cash flow. Native payment processing accelerates average collection from 30+ days (paper invoices, mailed checks) to 5-15 days (SMS-delivered invoices with embedded payment links). For a $1M revenue shop, that working-capital improvement is meaningful. Customer experience matters too: paying with tap-to-pay at job completion is dramatically better than waiting for a mailed invoice and writing a check.
How to evaluate payment processing when buying
Compare fees carefully — most FSM platforms charge 2.59-2.99% + $0.30 for credit cards (similar to Stripe/Square). Look for: native ACH support (lower fees, ~$0.50 per transaction), instant payout options for fee, recurring billing for membership plans, partial payment support, and PCI compliance handled by the platform. Housecall Pro Pay and ServiceTitan Pay are tightly integrated; Jobber and most others rely on Stripe integration.
Tools with payment processing (22)
| Tool | Starting price | User rating | Best for |
|---|---|---|---|
| SmartMoving | From $399/mo | 4.9 / 5 | Growing and multi-location moving companies that want one platform for sales/CRM, estimating, dispatch, crew management, and payments |
| PaintScout | From $119/mo | 4.8 / 5 | Painting contractors that want a best-in-class, painter-specific estimating and proposal engine that prices by surface type and closes professional quotes in the home |
| Contractor+ | Free tier available | 4.7 / 5 | Solo contractors and small trades teams that want a genuinely free, all-in-one estimating, invoicing, and job-management app on mobile |
| Elromco | From $289/mo | 4.7 / 5 | Small-to-mid moving companies that want a modern, affordable all-in-one with CRM, instant online quoting, dispatch, eBOL, and AI communication |
| Roofr | Free tier available | 4.7 / 5 | Residential roofing contractors wanting modern UX with built-in aerial measurements and instant quoting |
| Supermove | From $176/mo | 4.6 / 5 | Growing-to-enterprise moving companies that want a modern system of record with AI sales tooling, replacing 3-5 disconnected systems |
| Albi | From $60/mo | 4.6 / 5 | Restoration companies that want a modern, highly customizable all-in-one job-management platform with a built-in phone system and no long-term contract |
| SingleOps | From $150/mo | 4.5 / 5 | Green-industry businesses (landscaping, tree care, lawn care) with 5-50+ crew that want purpose-built lead-to-payment software with strong QuickBooks sync |
| Yardbook | Free tier available | 4.5 / 5 | Solo landscapers and small operations (1-5 crews) wanting free or near-free FSM with landscaping focus |
| Kickserv | From $60/mo | 4.4 / 5 | Small service businesses (1-15 employees) that run their books in QuickBooks and want affordable, simple scheduling and invoicing |
| Arborgold | From $129/mo | 4.4 / 5 | Tree care and lawn/landscape companies (2-50 techs) that want purpose-built software with plant/tree inventory, chemical tracking, and proposal management |
| MoveitPro | From $150/mo | 4.4 / 5 | Small-to-mid moving companies that want an established, affordable all-in-one platform covering CRM, dispatch, eBOL, and payments |
| Launch27 | From $49/mo | 4.3 / 5 | Residential cleaning operations wanting strong online booking and recurring scheduling |
| Leap | From $79/mo | 4.3 / 5 | Exteriors and remodeling contractors (roofing, siding, windows, painting) that sell in the home and want a CRM plus a field sales-and-proposal app with built-in financing |
| Floorzap | From $375/mo | — | Small-to-mid flooring dealers that want one connected system for quoting, scheduling, CRM, inventory, and invoicing with hands-on onboarding support |
| Broadlume | Custom quote | — | Flooring retailers and contractors that want their website, digital marketing, and business-management software from a single vendor |
| Docket | Custom quote | — | Roll-off dumpster rental and commercial/residential trash-route haulers that want asset tracking, dispatch, billing, and customer payments in one platform |
| The Customer Factor | From $34.95/mo | — | Budget-conscious window-cleaning, pressure-washing, and cleaning operators who want an affordable, customizable all-in-one CRM with scheduling, quoting, routing, and invoicing |
| Network Leads | From $249/mo | — | Full-service residential movers, van lines, moving brokers, and storage businesses that want leads, CRM, operations, and marketing in one platform |
| Oncue | From $149/mo | — | Moving companies focused on capturing and converting leads with online booking, instant quotes, and customer self-scheduling, from first contact through the move |
| Pool Founder | From $49/mo | — | Pool service companies that want modern, pool-specific software with predictable flat pricing that scales with technicians rather than pool count |
| Paythepoolman | From $50/mo | — | Budget-conscious pool service operators who want affordable, no-frills management software with responsive support and a free entry option |
High-rated tools that don't have payment processing
These platforms have strong user ratings but don't list payment processing as a core feature. If you need this capability, consider alternatives above — or evaluate whether you actually need it for your operation.
Related features
Trades where payment processing matters most
Frequently asked questions
What are typical FSM payment processing fees?
Credit card: 2.59-2.99% + $0.30 per transaction. ACH: $0.50-$1.00 per transaction. Instant payouts: usually additional 1% on top. Rates vary slightly by platform but are comparable to standalone Stripe (2.9% + $0.30) or Square (2.6% + $0.10). Shops processing $200K+/year in cards may save 20-50 basis points using standalone processors.
Can I take tap-to-pay or Apple Pay payments?
Modern FSM platforms support tap-to-pay via mobile card readers (Stripe Terminal, Square Reader) and Apple Pay through mobile invoice payment links. Critical for residential trades where customers want to pay at job completion rather than receive an invoice later.
How fast do payments hit my bank?
Standard payouts arrive in 2-3 business days. Instant payout options (for an additional fee, typically 1% of payout amount) deliver same-day or next-day. Most shops use standard payouts; instant becomes valuable for cash-flow-tight operations needing same-day liquidity.
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