Construction involves some of the largest card payments in any industry. Progress payments of $10,000–$50,000, material deposits, and final invoices generate enormous processing fees. A $30,000 progress payment at 2.8% costs **$840 to process**.
For a construction company doing $100,000–$500,000/month in card payments, annual processing reaches **$33,600 to $168,000**.
Network Offset Pricing for Construction
| Payment | Cash/Check/ACH | Card |
|---|---|---|
| Deposit (10%) | $5,000.00 | $5,200.00 |
| Progress Payment #1 | $25,000.00 | $26,000.00 |
| Progress Payment #2 | $25,000.00 | $26,000.00 |
| Final Balance | $15,000.00 | $15,600.00 |
| Change Order | $3,500.00 | $3,640.00 |
Why it works: Construction contracts present both payment options upfront. High-dollar payments ($10,000+) strongly incentivize check/ACH — saving the customer hundreds on each payment. Commercial clients almost always prefer ACH for large amounts. Residential customers appreciate the transparent choice.
| Monthly Card Revenue | Annual Processing (2.8%) | With NOP |
|---|---|---|
| $100,000 | $33,600 | ~$0 |
| $250,000 | $84,000 | ~$0 |
| $500,000 | $168,000 | ~$0 |
Caroline W. covers payment processing for education, entertainment, and specialty businesses. A former nonprofit administrator, she understands budget-conscious organizations and writes with empathy for operators working within tight financial constraints.
$10,000+
in potential annual savings with optimized payment processing.
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The first step to reducing your processing costs is understanding exactly what you are paying today. Request a free statement analysis and we will show you a side-by-side comparison of your current costs versus what you could save with Network Offset Pricing.