Payment Processing for Home Service Pros
Collect at the doorstep, not 30 days later. With Network Offset Pricing, HVAC, plumbing, electrical, and home service businesses pay $0 in processing fees — with mobile payments and text-to-pay.
What Payment Processing Costs Your Business
Field service businesses face a unique set of payment challenges — from collecting at the customer's door to managing deposits on five-figure jobs — that generic processors were never designed to solve.
Field Crews Need Mobile Payment Capability
Technicians finish a $500 service call and hand the customer a paper invoice. Without reliable mobile payment tools, businesses wait weeks for checks — or lose the payment entirely when customers forget to mail it.
High-Ticket Jobs Overpay at Flat Rate
HVAC installations, re-pipes, and electrical panel upgrades run $5,000-20,000+. At flat-rate pricing, a $15,000 job costs $435+ in processing fees — while actual interchange may be under $280. That gap compounds across every large project.
Deposit & Progress Payment Management
Large jobs require deposits upfront and progress payments at milestones. Basic processors cannot track partial payments against a total project balance, forcing office staff into manual spreadsheet reconciliation.
Customers Want to Pay by Text or Email
Homeowners expect the convenience of paying from their phone via a text or email link — not writing a check or reading a card number over the phone. Processors without text-to-pay leave revenue on the table.
Built for the Field
Mobile & Text-to-Pay
Accept card payments at the customer's home with wireless terminals or text-to-pay links. Collect at completion instead of invoicing and waiting for checks.
Network Offset Pricing
Service calls averaging $200-2,000 cost $0 to process with Network Offset Pricing. No interchange, no markups, no offsets — unlike percentage-based processors that take more as the job total grows.
On-Site Invoicing
Generate and send professional invoices from the field. Customers receive a branded payment link and can pay immediately from their phone.
Fast Funding
Field payments settle the next business day. Keep materials stocked and crews paid without floating cash from completed service calls.
How It Works
Get set up with transparent payment processing in four steps.
Free Statement Analysis
We review your current processing costs and show exactly how much you overpay on service calls, installations, and project invoices.
Mobile & Office Setup
We configure mobile terminals for technicians in the field, office terminals for scheduled payments, and text-to-pay links for remote invoicing.
Crew Training
Technicians, dispatchers, and office staff get quick, hands-on training. Accept payments on-site, send payment links, and process phone orders.
Start Saving
Every service call, installation, and project invoice processes at $0. Track revenue by technician, service type, and location from your dashboard.
Based on PaySec merchant data, Q1 2026. Individual results may vary.
“Our techs used to hand out invoices and we would chase payments for weeks. Now they text a payment link on-site and we get funded the next day. Collections went from 45 days to 1.”
PaySec vs. Other Home Service Processors
| Feature | PaySec | Square | Traditional Processor |
|---|---|---|---|
| $0 processing fees | |||
| Mobile 4G field terminals | |||
| Email invoicing | |||
| Recurring service agreements | Limited | Extra cost | |
| Per-technician tracking | |||
| Same Day / Next Day / Two-Day funding | Extra fee | ||
| Free terminal equipment | |||
| No long-term contracts |
Home Services Processing FAQ
Get Paid On-Site, Not 30 Days Later
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