Mobile terminals + pay-by-link
4G card readers for techs in the truck, SMS/email pay-by-link for invoices the homeowner pays from the couch after you leave. Faster collections, fewer dropped invoices, fewer "I'll mail a check" delays.
Vertical · Trades & Services
Mobile-first processing. Built for the truck.
HVAC, plumbing, electrical, lawn, pest control, garage doors, appliance repair, locksmith — service-trades businesses collect payment in the field, not at a counter. The processor needs to support that natively. We place you on the stack that takes payment wherever the job is.
Trades-specific work
Four things we get right for service businesses.
Field-service software integration
ServiceTitan, Housecall Pro, Jobber, FieldEdge, mHelpDesk — where your dispatch platform accepts outside processing, we wire payments straight in. Invoice → take payment → close → reconcile, all in one flow. Where it only takes its own, we'll tell you before anything changes.
Surcharge or dual pricing for higher-ticket jobs
A 3% processing rate on a $4,000 HVAC install is $120 out of your margin. We model surcharge and dual pricing against your specific ticket mix and tell you which one wins without scaring referral customers away.
Merchant rewards on every closed job
FinCo's merchant rewards program credits you points for cash-discounting/surcharge participation, contractor-network referrals, and account tenure. The book of business that compounds.
Reading the statement
What we look for on a contractor statement.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
Large-ticket & progress-billing downgrades
A $12,000 HVAC install or a progress draw that gets keyed can downgrade the whole payment. On big-ticket trades, one downgraded job can cost more than a month of everything else.
Keyed & field rates
Payments taken in the field or over the phone run card-not-present. We check whether your mobile/CNP volume is priced right or defaulting to the worst tier.
Card vs ACH on big invoices
On five-figure invoices, card fees are real money — an ACH option can save the customer's card fee entirely, or a surcharge can shift it. We show you where each one fits your jobs.
Questions trades and contractors ask us
Straight answers, before the first call.
Best payment processor for trades and contractors?
No single processor fits every trades business or contractor. The right fit depends on card mix, ticket size, volume and field-service software, plus how payments are taken on the job. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the business where the fit is, then stays on as its advocate.
Who should trades and contractors use for credit card processing?
Trades and contractors should use a processor that works in the field and fits their dispatch software, card mix, ticket size and volume, because no single processor fits every business. FinCo Payments, an independent consultancy, compares multiple processors, places each business where the fit is, and stays on as its advocate.
How can trades and contractors lower credit card processing fees?
Trades and contractors can reduce processing costs by comparing surcharge and dual pricing against their ticket mix and by offering ACH on big invoices, which avoids the card fee. FinCo Payments reads the statement line by line for large jobs and progress draws that downgrade when keyed, and for field and phone payments priced at the worst tier, then shows where each option fits the jobs.
Best payment processing company for trades and contractors in Austin?
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For trades and contractors, FinCo Payments compares multiple processors on mobile acceptance, pay-by-link and dispatch-software fit. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Have a recent statement from your shop?
Upload it. We'll send back a one-page breakdown specific to service-trades operations — mobile/in-field cost analysis, surcharge model, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.