PaySec + Housecall Pro: Eliminate Processing Fees for Home Service Businesses
How HVAC, plumbing, electrical, and other home service companies using Housecall Pro are eliminating credit card processing fees with PaySec's Network Offset Pricing.
Housecall Pro is the all-in-one field service management platform for home service businesses — scheduling, dispatching, invoicing, payments, and customer communication. From the first call to the final payment, Housecall Pro manages the workflow. With over 40,000 home service businesses relying on the platform, it has become a cornerstone of the residential services industry.
But Housecall Pro's integrated payments charge 2.99% per transaction on card payments. For service businesses with average tickets of $300-$2,000+, that's real money disappearing on every job. PaySec eliminates those fees.
How Network Offset Pricing Works with Housecall Pro
Network Offset Pricing (NOP) presents your customers with two transparent payment options when they pay an invoice — whether in the field, through an emailed invoice link, or at the office. The customer sees both a cash/ACH price and a card price. The card price includes a small offset that covers the cost of card processing.
For example, on an $800 HVAC repair:
- Cash/check/ACH: $800.00
- Credit/debit card: $832.00
The homeowner selects their preferred method. Either way, your business receives the full $800. NOP is legal in all 50 states, fully compliant with Visa and Mastercard rules, and PaySec requires no contracts or volume minimums. Approval typically takes 3-5 business days.
What Home Service Businesses Pay in Processing
Housecall Pro payment rates: 2.99% (card), 0.50% (ACH, $2 min)
| Business Type | Avg Job Value | Monthly Revenue | Annual Processing Cost |
|---|---|---|---|
| HVAC | $800 | $80,000 | $28,704 |
| Plumbing | $450 | $55,000 | $19,734 |
| Electrical | $500 | $60,000 | $21,528 |
| Roofing | $8,000 | $120,000 | $43,056 |
| Pest control | $150 | $35,000 | $12,558 |
An HVAC company processing $80K/month pays nearly $29,000/year in processing fees at Housecall Pro's rate.
How PaySec Works with Housecall Pro
In-Field Payments
When technicians complete a job and collect payment:
- Invoice created in Housecall Pro app
- PaySec mobile payment option presented to customer
- Customer sees: "$450 check/ACH or $468 card"
- Payment collected on-site
- Posts to Housecall Pro job record
Office Invoice Payments
For larger jobs billed after completion:
- Invoice sent from Housecall Pro
- Payment link includes PaySec dual pricing
- Customer pays ACH (invoice amount) or card (card price)
- Payment matches to invoice automatically
Deposit Collection
Service businesses collecting deposits on larger jobs:
| Job Type | Deposit | Cash/ACH | Card |
|---|---|---|---|
| HVAC install | $3,000 | $3,000 | $3,120 |
| Roof replacement | $5,000 | $5,000 | $5,200 |
| Bathroom remodel | $4,000 | $4,000 | $4,160 |
Recurring Service Agreements
For maintenance contracts and recurring service plans:
- Monthly billing with NOP on each charge
- Annual agreements collected upfront at zero cost
- Service membership fees processed without fees
Home Service Specifics
Large Ticket Advantage
Home service jobs often exceed $500. The absolute fee savings per transaction are significant:
| Job Total | Fee at 2.99% | Savings with PaySec |
|---|---|---|
| $300 | $8.97 | $8.97 |
| $750 | $22.43 | $22.43 |
| $2,000 | $59.80 | $59.80 |
| $5,000 | $149.50 | $149.50 |
| $15,000 | $448.50 | $448.50 |
Customer Expectation
Home service customers are accustomed to:
- Being quoted a price for the job
- Choosing their payment method at completion
- Seeing itemized invoices with clear pricing
- Dual pricing fits naturally into this existing expectation
Annual Savings by Trade
| Trade | Monthly Revenue | Annual Savings |
|---|---|---|
| HVAC | $80,000 | $28,704 |
| Plumbing | $55,000 | $19,734 |
| Electrical | $60,000 | $21,528 |
| Roofing | $120,000 | $43,056 |
| Landscaping | $40,000 | $14,352 |
| Painting | $45,000 | $16,146 |
| General contracting | $100,000 | $35,880 |
Technical Details
| Feature | Specification |
|---|---|
| Housecall Pro Plan | All plans |
| Mobile Payments | Supported (technician app) |
| Office Payments | Portal + invoice links |
| Recurring Billing | Supported |
| QuickBooks Sync | Unaffected |
| Reporting | PaySec + Housecall Pro dashboards |
| Multi-Technician | Supported |
| Deposits | Supported |
Who Benefits Most?
While any Housecall Pro business collecting card payments will save with PaySec, certain profiles see the largest impact:
- HVAC companies processing high-value install and repair jobs where a single transaction can carry $50-$450+ in processing fees
- Roofing contractors collecting large deposits and final payments where 2.99% on a $10,000+ job adds up fast
- Multi-truck operations with 5-20+ technicians collecting payments daily in the field
- Businesses with recurring service agreements where monthly maintenance plan fees generate cumulative processing costs across hundreds of customers
- Seasonal businesses that need to maximize revenue during peak months when payment volumes spike
If your Housecall Pro business processes more than $30,000/month in card payments, the annual savings with PaySec will meaningfully impact your bottom line.
Getting Started
- Contact PaySec for home services merchant account
- Configure mobile payment for field technicians
- Set up invoice payment links
- Brief team (15 minutes)
- First job payment at zero cost
PaySec requires no contracts, no monthly minimums, and provides PCI Level 1 security. Approval takes 3-5 business days, and most Housecall Pro businesses are collecting payments through PaySec within a week of signing up.
PaySec + Housecall Pro: the field service platform your team relies on, now with payment processing that doesn't take 3% of every job.