Construction & trades

Payment processing for contractors, from the jobsite to the office.

General contractors, plumbers, electricians, HVAC companies, trades, and home-service businesses may collect deposits, progress payments, and final invoices across the field, office, and remote customer conversations.

Homeowner tapping a card on a technician’s mobile terminal beside an itemized work order
Contractor payment workflows

The payment timeline often follows the project timeline.

Merchant services for contractors need to account for larger-ticket payments, changing project stages, and customers who may pay in person or remotely. A deposit at the start of a job creates a different transaction pattern from a final invoice collected after completion.

Quintra maps how the business moves from estimate to deposit, progress billing, and final payment, including where cards are accepted, who collects payment, and how the office keeps track of completed transactions.

See how a payment review works
  • Deposits before work begins
  • Progress payments tied to project stages
  • Larger-ticket invoices and final balances
  • Payments collected in the field or office
  • Remote and card-not-present customer payments
What to evaluate

Evaluate costs in the context of larger tickets.

Contractors should look at more than a quoted rate. Average ticket, consumer and commercial card mix, transaction method, per-transaction charges, recurring fees, and processor markup all influence the effective cost of accepting payments.

Project volume, transaction count, and average ticket

Consumer, commercial, and card-not-present mix

Effective rate, processor markup, and account fees

Payment flow from estimate through final invoice

The Quintra approach

Understand first.
Recommend second.

Quintra reviews the statement alongside the contractor’s project and collection workflow. The objective is to explain the current economics clearly and consider payment options that fit work in the field and the office.

Review
Identify
Recommend
Support
Payment review

Start with the environment you have today.

Start with the current processing statement and the way deposits, progress payments, and final invoices are collected.

Explore the Payment Review