A roof replacement is one of the most expensive home services — $8,000–$25,000+ depending on size, materials, and complexity. When homeowners pay by card (and they increasingly do), the processing fee on a single job can exceed $500.
For a roofing company doing $100,000–$500,000/month in card sales, annual processing fees reach **$30,000 to $210,000**.
The Roofing Processing Problem
Insurance Claims and Deductibles
Storm damage roofs are partially insurance-funded, but homeowners pay deductibles ($1,000–$2,500) and upgrades by card. Supplemental payments and change orders generate additional transactions.
Financing Programs Are Even More Expensive
Third-party financing (GreenSky, Mosaic, Dividend Finance) charges contractors 5%–15% in dealer fees — far more expensive than card processing.
Network Offset Pricing for Roofing
Why Homeowners Accept It
- The estimate presents both options before the job starts.
- High-ticket jobs strongly incentivize check/ACH. Saving $560 on a $14,000 roof is significant. Many homeowners prefer check for large home improvement payments.
- Insurance-related payments are expected. Homeowners dealing with roof claims are focused on getting the work done.
Derek N. covers payment solutions for the automotive and skilled trades sectors. A former auto shop manager turned fintech analyst, he brings practical insight into how service-based businesses can reclaim revenue lost to processing fees.
$10,000+
in potential annual savings with optimized payment processing.
Get Started
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.