Stop overpaying on credit card processing for contractors
Most contractors are overpaying 15–40%. Get a free rate analysis and see exactly where the money is going. Most businesses save 15–40% in 24 hours.
Why contractors overpay on processing
Optimized rate: 2.5% · most pay 3.2%. The gap = your savings.
- Large tickets amplify every basis point
- QuickBooks / invoice tools charge premium
- Interchange-plus pricing usually qualifies
- Surcharging is legal and saves 100% of fees
How it works
Save thousands in three simple steps
Enter your business details
Takes 60 seconds. Just your industry, monthly volume, and current processor.
We analyze your current rates
Our team reviews your effective rate and identifies exactly where you're overpaying.
Get matched with lower-cost options
We introduce you to vetted processors — typically saving 15–40% with no setup fees.
Savings calculator
See how much you could save
Pick your industry and your monthly volume — we'll show you the gap.
Free · No contract · 60-second form
What happens next
No surprises. No spam. No obligation.
Here's exactly what to expect after you submit a rate review.
- Step 1
You share a few details
Takes 60 seconds. No statement required for a quick estimate.
- Step 2
We benchmark your rate
We compare your effective rate against your industry — not retail averages.
- Step 3
A specialist walks you through it
Real human, no high-pressure sales. You decide what (if anything) to do next.
- Step 4
You stay in control
No contract, no obligation. Your data is never sold.
"Cut my processing bill by $612/month. Took less than 10 minutes to sign up."
"I'd been with the same processor for 7 years. Turns out I was overpaying by 34%."
"Finally, a straight answer on fees. No games, no long contracts."
Contractor processing in major cities
Common processors we benchmark against
Top processors for contractors — full reviews
- Helcim reviewinterchange plus · month-to-month
- Stax (formerly Fattmerchant) reviewsubscription · month-to-month
- Payment Depot reviewmembership · month-to-month
- Dharma Merchant Services reviewinterchange plus · month-to-month
- QuickBooks Payments (Intuit) reviewflat rate · month-to-month
- CardConnect (a Fiserv company) reviewinterchange plus · varies
Editorial rankings for contractors
- Best Credit Card Processors for ContractorsGeneral contractors, HVAC, plumbing, electrical, and roofing companies looking for low-rate B2B-
- Best Credit Card Processors for RestaurantsRestaurant operators comparing POS-bundled and standalone processors for full-service, quick-ser
- Best Stripe Alternatives for Online BusinessesE-commerce, SaaS, and online service businesses looking to reduce processing costs vs Stripe's f
- Best Credit Card Processors for E-commerceOnline stores comparing Stripe, Shopify Payments, PayPal, Braintree, and lower-cost alternatives
From the blog · Contractor payments
- Stop Overpaying for Credit Card Processing FeesMost small businesses overpay 0.5–1.5% on every card swipe. Here's what a fair rate looks like by industry and
- Flat Rate vs Interchange Plus Pricing: A Merchant's GuideFlat rate vs interchange plus pricing — what each model really costs, when each one wins, and how a free merch
- Best Credit Card Processing for ContractorsBest Credit Card Processing for Contractors — a plain-English breakdown for small-business owners, with real f
- Best Credit Card Processing for HVAC CompaniesBest Credit Card Processing for HVAC Companies — a plain-English breakdown for small-business owners, with rea
Check your rates now
60 seconds. No credit card. See exactly how much you're overpaying.