Payment Processing for Contractors, Remodelers & Trades
Estimates, deposits, milestone payments, and final invoices — all collected without driving back to the office.
Challenges contractors face with payment processing
Large-deposit and milestone payments
Card fees on $10k+ deposits add up fast. The wrong pricing model can eat a meaningful share of your margin.
On-site collection
Customers expect to tap a card or sign a digital invoice at job completion.
Phone and remote payments
Without a proper virtual terminal, manual entries cost more and risk chargebacks.
Surcharging and dual pricing
Many contractors want to offset card costs legally with a cash-discount program.
How Pay Solutions Hub helps
Interchange-plus pricing
Cuts true cost on large invoices versus flat-rate processors.
Invoicing with milestone payments
Send estimates, collect deposits, and bill milestones from any device.
Cash discount / dual pricing
Optional, compliant programs to offset processing costs on cash-sensitive trades.
Clover Flex or Clover Go lets you take payment on the job site — chip, tap, and signature without a paper invoice.
Mobile & online paymentsSend an estimate, collect a deposit, bill the next milestone, and close out the final invoice — all from one dashboard.
Why contractors choose Pay Solutions Hub
- Transparent pricing with no hidden fees or surprise rate hikes
- Next-day funding so your cash flow keeps pace with your business
- 100% in-house U.S.-based support — call a real person, not a queue
- Dedicated account manager who knows your account by name
- Free statement reviews to confirm you're getting the best rate
- Month-to-month agreements — no long-term contracts required
Frequently asked questions
Can I collect a deposit before scheduling work?
Yes. Send a secure payment link or estimate with a deposit line. Funds clear before you put the job on the calendar.
What about milestone billing on long projects?
Bill at each milestone using saved customer info. You can also set scheduled charges on cards on file.
Is there a way to offset card fees?
Yes — compliant cash discount and dual pricing programs are available where state law allows.
How do I take payment on a job site?
Use a Clover Flex or Clover Go reader paired with your phone. Accept tap, dip, and signature on the spot.
How do you handle larger ticket fees?
Interchange-plus pricing and proper Level 2 data on B2B cards lower the cost on big invoices.
How fast will I get funded?
Next-business-day funding is standard.
Ready to lower your processing costs?
Send us your most recent merchant statement. We'll show you line-by-line where you're overpaying and what a Pay Solutions Hub program would look like for your business.