Contractor Payment Processing
Get Paid On The Spot
Free
Terminals
Next
A.M. Funding
No
Contract
Track
Team Sales
Payment Solutions For Contractors
Contractor SmartPay is payment processing designed specifically for contractors in industries like HVAC, plumbing, electrical, and home improvement.
We offer advanced tools from North and PayAnywhere to simplify payments, track team sales and eliminate credit card processing fees.
- Enhance Customer Experience
- Track Team Sales By Name
- Text-to-Pay
- Payment Invoice Links
- 0% for cash — 3% – 4% fee added for credit cards
- 0.35% interchange option with no additional card processing fees added to the sale price.
Whether you’re out in the field or managing crews across multiple locations, Contractor SmartPay centralizes all payment activity from your team and supports all major payment types.
This is the smart solution for contractor credit card processing—built to save you money, streamline operations, and modernize the way your contracting business gets paid.
Get Started Today.
Call or text 801-205-1955 Anytime.
Contractors Will Save This Much In Payment Processing
e.g. $10,000 (card processing) at a 3.5% rate savings = $350 monthly savings
| Mo Card Volume: | Mo Savings | 1 Year Savings | 5 Year Savings | 10 Year Savings |
|---|---|---|---|---|
| $5,000 | $175 | $2,100 | $10,500 | $21,000 |
| $10,000 | $350 | $4,200 | $21,000 | $42,000 |
| $20,000 | $700 | $8,400 | $42,000 | $84,000 |
| $50,000 | $1,750 | $21,000 | $105,000 | $210,000 |
| $100,000 | $3,500 | $42,000 | $210,000 | $420,000 |
| $250,000 | $8,750 | $105,000 | $525,000 | $1,050,000 |
Simplify Payments in the Field with PayAnywhere 0% Mobile Terminals / Smartphones
With PayAnywhere’s mobile contractor payment processing, you can effortlessly use a 3% dual pricing model. Simply enter the total—say $100—and the system automatically shows the card price as $103.
Contractors appreciate the built-in 3% card rate, helping your business eliminate expensive processing fees while getting paid anywhere.
Save
Thousands
Next
A.M. Funding
No
Contract
Get Started Today.
Call or text 801-205-1955 anytime.
Modernize Your Payments & Delight Customers
- Email to Pay Payment Links
- Embed Payment Link on Website
- View Payments Activity
- Monitor Cash Activity
- Virtual Terminal
- See Sales Trends
- Manage Inventory
- Employee Management
- And Much More
See Card and Cash Transactions & More
At Contractor SmartPay, we know contractors like you—whether in HVAC, plumbing, electrical, landscaping, or home improvement—don’t have time to waste chasing down payments or sorting out transaction details.
That’s why we built the Payments Hub Command Center, fully integrated with your dual pricing solution. Every credit card, check, and optional cash payment—whether accepted in the field or at your shop—is instantly recorded and accessible in your real-time back office portal.
Easily manage payments from your crew, track customer transactions, and stay in control of your business—all from one simple dashboard built for contractors.
Contact Contractor Payment Processing From Contractor SmartPay
Contractor SmartPay empowers contractors in industries like HVAC, plumbing, electrical, and home improvement to offer fast, modern payment options—while boosting revenue and streamlining day-to-day operations.
It’s the smart solution for service-driven contracting businesses.
Receive top-tier assistance from our corporate partners—North —but you also get direct l support from me, Greg Kapitan and Contractor SmartPay at 801-205-1955.
Greg Kapitan
The Payments Man
Founder of Contractor SmartPay & Payment Technology Consultant Since 2009
Contractor Payment Processing FAQs
What is Contractor SmartPay?
Contractor SmartPay is a payment processing platform designed for contractors and field service businesses. It combines mobile payment acceptance, Text-to-Pay, payment links, team sales tracking, and optional 0% dual pricing programs into one solution. Contractors can get paid faster while reducing paperwork and simplifying payment collection.
How does Contractor SmartPay help contractors get paid faster?
Contractor SmartPay allows contractors to accept payments on-site, send Text-to-Pay links, email invoices, and collect deposits before work begins. Customers can pay immediately using a credit card, debit card, or mobile wallet, helping contractors improve cash flow and reduce unpaid invoices.
Can contractors track employee and technician sales?
Yes. Contractor SmartPay provides reporting tools that allow business owners to track payments by employee, technician, or sales representative. This helps contractors monitor performance, review transaction activity, and better understand revenue generated by individual team members.
Does Contractor SmartPay offer 0% credit card processing?
Yes. Contractor SmartPay offers a dual pricing program that allows businesses to display both a cash price and a card price. This can significantly reduce or eliminate traditional processing expenses while still allowing customers to pay using their preferred payment method.
How much can a contractor save with $5,000 in monthly credit card volume?
A contractor processing approximately $5,000 per month in credit card sales could save about $175 per month based on a 3.5% processing expense. That equals roughly $2,100 per year, $10,500 over five years, and $21,000 over ten years.
How much can a contractor save with $10,000 in monthly credit card volume?
A contractor processing approximately $10,000 per month in credit card volume could save around $350 per month. Over time, those savings can add up to roughly $4,200 annually, $21,000 over five years, and $42,000 over ten years.
How much can a contractor save with $20,000 in monthly credit card volume?
At $20,000 per month in credit card processing volume, estimated savings can reach approximately $700 per month using a dual pricing model. That equals roughly $8,400 annually, $42,000 over five years, and more than $84,000 over ten years.
How much can a contractor save with $50,000 in monthly credit card volume?
A contractor processing $50,000 per month could potentially save approximately $1,750 every month in processing costs. This equates to roughly $21,000 per year, $105,000 over five years, and more than $210,000 over a ten-year period.
How much can a contractor save with $100,000 in monthly credit card volume?
At $100,000 per month in processing volume, estimated savings can exceed $3,500 per month. This represents approximately $42,000 annually, $210,000 over five years, and roughly $420,000 over ten years depending on payment volume and customer payment preferences.
Can Contractor SmartPay send Text-to-Pay payment links?
Yes. Contractor SmartPay includes Text-to-Pay functionality that allows contractors to send secure payment links directly to customers by text message. Customers can review and pay invoices from their phone without needing to visit an office or call to make a payment.
What types of contractors can use Contractor SmartPay?
Contractor SmartPay works well for HVAC companies, plumbers, electricians, landscapers, roofers, remodelers, flooring contractors, painters, and many other service-based businesses. Any contractor that collects customer payments can benefit from mobile payments, payment links, and reporting tools.
Do I need a long-term contract to use Contractor SmartPay?
No. Contractor SmartPay offers flexible payment processing solutions without requiring long-term commitments. Businesses can access modern payment technology, mobile payment devices, Text-to-Pay tools, and next A.M. funding while maintaining flexibility as their business grows.
Can contractors accept deposits before starting a job?
Yes. Contractor SmartPay allows contractors to collect deposits before work begins using payment links, Text-to-Pay, mobile payment terminals, or online invoices. Collecting a deposit can help improve cash flow, secure scheduling commitments, and reduce the risk of cancellations on larger projects.
Can I accept payments from my phone?
Yes. Contractor SmartPay offers mobile payment solutions that allow contractors to accept payments directly from a smartphone, tablet, or wireless payment terminal. Whether you’re meeting customers at a job site, providing estimates, or collecting final payment, mobile payments make it easy to get paid from virtually anywhere.
Do you support ACH payments for contractors?
Yes. Contractor SmartPay supports ACH bank-to-bank payments, which can be a great option for larger invoices and recurring billing. ACH payments often cost less than traditional credit card transactions and can be useful for contractors accepting progress payments, project deposits, maintenance agreements, or commercial customer payments.