PaySec + ServiceTitan: Zero Processing Fees for the Trades
How HVAC, plumbing, electrical, and roofing companies using ServiceTitan are eliminating credit card processing fees with PaySec's Network Offset Pricing.
ServiceTitan is the operating system for the trades — the enterprise-grade field service platform used by residential and commercial home service companies doing $1M-$100M+ in annual revenue. Marketing, dispatch, sales, service, and accounting all run through ServiceTitan. With the platform processing billions in payment transactions annually across thousands of contractors, ServiceTitan has become the industry standard for ambitious, growth-oriented home service businesses.
At this scale, credit card processing fees are a six-figure annual expense. PaySec's ServiceTitan integration brings Network Offset Pricing to every payment collected — in the field, in the office, and online.
How Network Offset Pricing Works with ServiceTitan
Network Offset Pricing (NOP) presents homeowners with two transparent payment options when they pay for a service. Whether a technician is collecting payment on a tablet in the field, the office is processing an invoice payment, or a customer is paying through an online portal, 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 a $1,500 HVAC repair:
- Cash/check/ACH: $1,500.00
- Credit/debit card: $1,560.00
The homeowner selects their preferred method. Either way, your business receives the full $1,500. 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.
Processing Fees at ServiceTitan Scale
ServiceTitan companies are larger and growing. Processing fees scale with them:
| Annual Revenue | Monthly Payments | Processing Rate | Annual Cost |
|---|---|---|---|
| $3M | $250,000 | 2.5% | $75,000 |
| $5M | $420,000 | 2.4% | $120,960 |
| $10M | $830,000 | 2.3% | $229,080 |
| $25M | $2,100,000 | 2.2% | $554,400 |
A $10M home service company pays over $229,000/year in processing fees. That's 2+ fully-loaded field technicians.
How PaySec Integrates with ServiceTitan
Technician In-Field Collection
- Tech completes job, presents invoice on tablet
- Payment screen shows dual pricing to homeowner
- "$1,200 check/ACH or $1,248 card"
- Customer pays, payment posts to ServiceTitan job
- Dispatches knows payment was collected in real-time
Office/Accounts Receivable
- Outstanding invoices sent with PaySec payment links
- Customer portal shows both payment options
- Payments auto-match to open ServiceTitan invoices
- AR aging improves with convenient payment options
Financing Integration
For large jobs using financing alongside direct payment:
- Down payment collected with NOP
- Financed portion handled by finance partner
- PaySec only processes the direct-pay portion
Membership Programs
Service agreements and maintenance memberships:
- Monthly/annual membership fees at zero cost
- Recurring billing with NOP on each charge
- Membership revenue fully retained
The ServiceTitan ROI Case
For a $5M residential HVAC/plumbing company:
| Line Item | Value |
|---|---|
| Annual revenue | $5,000,000 |
| Card payment volume (70%) | $3,500,000 |
| Current processing cost (2.4%) | $84,000 |
| With PaySec NOP | ~$0 |
| Annual savings | $84,000 |
| Equivalent in additional jobs (avg $800) | 105 jobs |
| Equivalent in CSR/tech salary | 1.5 FTEs |
Multi-Trade Operations
ServiceTitan companies often operate multiple trade divisions:
| Division | Monthly Collections | Combined Annual Savings |
|---|---|---|
| HVAC | $150,000 | |
| Plumbing | $100,000 | |
| Electrical | $80,000 | |
| Total | $330,000 | $95,040 |
Enterprise Features
- Multi-location support — separate merchant accounts per location, unified reporting
- Role-based access — office staff, techs, and management see appropriate data
- ServiceTitan reporting integration — payment data flows into ST reporting
- Pricebook compatibility — NOP works alongside ServiceTitan pricebook pricing
- Marketing attribution — payments still attribute to marketing sources in ST
Technical Details
| Feature | Specification |
|---|---|
| ServiceTitan Tier | All tiers |
| Integration | Payment API + tablet integration |
| Field Payments | Mobile-optimized NOP terminal |
| Office Payments | Portal + invoice links |
| Recurring | Membership billing supported |
| Multi-Location | Full support |
| Accounting Sync | Works with ST → QuickBooks flow |
| Reporting | Payment data in ST dashboards |
Who Benefits Most?
While any ServiceTitan company will benefit from PaySec, certain business profiles see the most dramatic savings:
- Multi-trade operators running HVAC, plumbing, and electrical divisions where combined payment volumes generate the largest aggregate fees
- High-growth companies scaling past $5M, $10M, or $25M in annual revenue where processing fees become one of the top five overhead expenses
- Multi-location businesses with several branch offices each contributing to a six-figure annual processing bill
- Commercial service contractors handling large-ticket commercial jobs where a single payment can carry $200-$1,000+ in processing fees
- Membership-heavy businesses with thousands of active service agreements generating recurring monthly charges
If your ServiceTitan company processes more than $100,000/month in payments, the annual savings with PaySec will fund one or more additional field technician positions.
Getting Started
- Contact PaySec enterprise team (ServiceTitan integration)
- Technical assessment of payment workflows
- Deploy field terminals + configure online payments
- Tech training (incorporated into ST workflow)
- Pilot with select techs/locations
- Full rollout
PaySec requires no contracts, no volume minimums, and provides PCI Level 1 compliant payment security. Approval takes 3-5 business days, and the PaySec team specializes in multi-location rollouts for ServiceTitan operators.
PaySec + ServiceTitan: the enterprise trade platform paired with enterprise-level fee elimination. At $5M+ revenue, you're saving enough to hire another tech every year.