PaySec + Viewpoint Vista: Zero Processing Fees for Construction ERP
How construction companies using Viewpoint Vista are eliminating credit card processing fees on client payments with PaySec.
Construction companies process some of the largest individual payment transactions of any industry. A single progress billing can be $100,000, $200,000, or more. A retainage release at project completion can reach six figures. Even routine change order payments and final invoices carry five- and six-figure values. When those payments arrive by credit card, the processing fees are not small rounding errors — they are significant costs that directly impact project profitability and company margins.
Viewpoint Vista is the construction-specific ERP platform that general contractors, specialty contractors, and construction managers rely on for project accounting, job costing, equipment management, HR, and subcontractor management. It is the financial backbone of construction operations, tracking every dollar across every project. But Vista cannot prevent the processing fees that hit every time a client pays by card. At even a negotiated rate of 2-2.5%, a construction company processing $1.5 million per month in client payments faces $360,000-$450,000 per year in processing fees.
PaySec eliminates those fees through Network Offset Pricing, bringing the effective cost of every client payment to zero regardless of whether the payment comes via card, ACH, or wire.
What Is the PaySec + Viewpoint Vista Integration?
PaySec integrates with Viewpoint Vista's accounts receivable and payment collection workflows. When a progress billing, retainage release, or project invoice is generated in Vista, the payment request to the client includes dual pricing through Network Offset Pricing (NOP): a wire/ACH price and a card price. The card price includes a small network offset that covers the cost of processing, so the construction company receives the full invoice amount regardless of how the client pays. NOP is legal in all 50 states and fully compliant with all card network rules.
Payments post back to Vista's job cost module, maintaining the precise project-level accounting that construction companies depend on.
The Real Cost of Processing Fees for Construction Companies
| Company Size | Monthly Client Payments | Processing Rate | Annual Fees |
|---|---|---|---|
| Small GC ($5M revenue) | $400,000 | 2.3% | $110,400 |
| Mid-size GC ($20M revenue) | $1,500,000 | 2.3% | $414,000 |
| Large GC ($50M+ revenue) | $4,000,000 | 2.3% | $1,104,000 |
| Specialty contractor ($10M) | $800,000 | 2.3% | $220,800 |
Even with volume-based rate negotiations, construction companies pay six- and seven-figure annual processing fees. These fees are often buried in overhead and rarely examined as a percentage of project cost, but they directly reduce the margin on every job.
How Network Offset Pricing Works with Viewpoint Vista
Progress Billing
Progress billings are the primary payment vehicle in construction. Here is how NOP applies:
Example: $150,000 monthly progress billing
| Payment Method | Amount |
|---|---|
| Wire/ACH | $150,000.00 |
| Credit Card | $153,750.00 |
The owner or GC receives the payment request with both options. If they pay by ACH or wire, they pay the base amount. If they pay by card, the card price covers the processing cost. Either way, the construction company receives the full $150,000. Without PaySec, a card payment on this invoice would cost the company $3,750 in processing fees.
Retainage Release
At project completion, when retainage is released:
Example: $100,000 retainage release
| Payment Method | Amount |
|---|---|
| Wire/ACH | $100,000.00 |
| Credit Card | $102,500.00 |
Change Orders and Final Invoices
| Payment Type | Amount | Fee Saved with PaySec |
|---|---|---|
| Monthly progress billing | $200,000 | $5,000 |
| Retainage release | $100,000 | $2,500 |
| Change order payment | $50,000 | $1,250 |
| Final invoice | $300,000 | $7,500 |
A single large project can save $15,000-$20,000 or more in processing fees across its lifecycle.
Integration Features
- Vista AR integration — payment requests generated from Vista include dual pricing automatically
- Job cost posting — payments post back to the correct project and cost code in Vista
- Payment portal — clients pay invoices online with ACH and card options displayed
- PCI Level 1 compliant — highest level of payment security for large transactions
- Multi-project support — NOP applies across all active projects simultaneously
- No contracts, no minimums — flexible terms for companies of any size
- Retainage tracking — retainage release payments process at zero cost
- Subcontractor payments — if paying subs by card, NOP applies to reduce overhead
Who Benefits Most?
The PaySec + Viewpoint Vista integration delivers the greatest impact to general contractors and specialty contractors processing high-volume progress billings, construction companies where even a small percentage reduction in processing fees translates to six-figure annual savings, multi-project firms that process dozens of progress billings per month across active jobs, and any construction company that has negotiated processing rates but still pays hundreds of thousands annually in fees.
The construction industry's high transaction values make NOP particularly effective. A single progress billing can save more in processing fees than many small businesses pay in processing costs for an entire month.
Getting Started
- Contact PaySec for a construction industry payment assessment. The team will review your current payment volume and processing costs to quantify the savings opportunity.
- Review AR payment workflows in Vista to identify all payment collection points where NOP should be deployed — progress billings, retainage, change orders, and final invoices.
- Configure the payment portal with NOP so clients receiving invoices from Vista see dual pricing options on every payment request.
- Deploy across active projects and begin processing every client payment at zero effective cost.
PaySec + Viewpoint Vista: construction ERP built for job costing accuracy, paired with payment processing that does not add hidden costs to every project. When your processing fees are measured in six or seven figures, eliminating them is not an optimization — it is a strategic financial decision.