Payment Processing for Construction & Contractors
High-ticket invoices lose the most to percentage-based fees. With Network Offset Pricing, construction companies pay $0 in processing fees — with mobile collection and progress billing.
What Payment Processing Costs Your Company
Construction businesses process some of the highest-ticket payments of any industry — and lose the most to flat-rate pricing, slow funding, and processors that were never built for project-based billing.
High-Ticket Invoices Lose Thousands at Flat Rate
Construction invoices of $5,000-50,000+ hemorrhage profit at flat-rate pricing. A $30,000 progress payment at 2.9% costs $870 in processing fees — while actual interchange may be under $560. That margin loss multiplies across every draw and final payment.
Progress Billing & Deposit Management
Construction projects require deposits, milestone draws, and final payments tied to project stages. Basic processors cannot track partial payments against a contract total, forcing project managers into manual reconciliation.
Field Payment Collection Challenges
Job site foremen finish work and have no way to collect payment on the spot. Without mobile terminals or text-to-pay, contractors mail invoices and wait 30-60 days for a check — tying up cash needed for the next project.
Slow Funding Impacts Material Purchasing
Two-to-three-day deposit delays on large payments force contractors to float material costs and subcontractor pay. When a $20,000 payment sits in processing limbo, it directly delays ordering materials for the next phase.
Built for High-Ticket Jobs
High-Ticket Savings
Construction invoices of $5,000-50,000+ cost $0 to process with Network Offset Pricing. No interchange, no markups, no offsets — unlike percentage-based processors that take thousands per job.
Mobile Job Site Payments
Accept card payments on the job site with wireless terminals or text-to-pay links. No need to wait for a check — collect at completion.
Progress Billing Support
Send invoices for milestones, deposits, and final payments. Track partial payments and remaining balances from the merchant portal.
Fast Funding
Large job payments settle the next business day. Keep materials funded and subcontractors paid without floating cash for days.
How It Works
From statement review to processing your first payment in under a week.
Free Statement Analysis
We analyze your current processing statements and show exactly how much flat-rate pricing costs on high-ticket invoices, progress payments, and change orders.
Field & Office Setup
We configure mobile payment terminals for job sites, office terminals for walk-in payments, and text-to-pay links for remote invoicing.
Team Training
Project managers, office staff, and field crews get hands-on training. Process deposits, progress payments, and final invoices from anywhere.
Start Saving
Every invoice processes at $0 with Network Offset Pricing. A $50,000 progress payment that cost $1,450 at flat-rate now costs nothing.
Based on PaySec merchant data, Q1 2026. Individual results may vary.
“Our average job invoice is $8,000. Switching from flat-rate to Network Offset Pricing saved us over $3,000 per month. The mobile terminal means we collect on-site instead of chasing checks.”
PaySec vs. Other Construction Processors
| Feature | PaySec | Square | Traditional Processor |
|---|---|---|---|
| $0 processing fees | |||
| High-ticket transaction support | |||
| Mobile 4G terminals | |||
| Email invoicing | |||
| Recurring billing for draws | Limited | Extra cost | |
| Same Day / Next Day / Two-Day funding | Extra fee | ||
| No long-term contracts | |||
| Dedicated account manager | Varies |
Construction Processing FAQ
Related Resources
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