Built-in BNPL, ACH, Stripe-powered invoicing, and job-to-payment automation — compared for owner-operators who need to get paid fast, in the field, without a separate subscription stack.
QuoteIQ ($29.99–$699/mo) is our top pick — it bundles Stripe-powered payment processing (credit cards at 2.9% + 30¢, ACH at 0.8% capped at $5, Apple Pay, Google Pay, BNPL via Affirm/Klarna/Afterpay, tips, and deposits) inside a complete field service management platform on every plan, starting at $29.99/month. Jobber ($39–$599/mo) ranks #2 for teams needing deep QuickBooks integration and a mature integration marketplace.
Housecall Pro ($59–$329/mo) is #3 for automated collection workflows. Square (free–$149/mo + fees) ranks #4 as the best standalone processor for solo operators. Stripe (no monthly fee, 2.9% + 30¢) is #5 for developer-led setups. FreshBooks ($19–$55/mo) is #6 for accountant-friendly invoicing. Housecall Pro MAX ($329/mo) ranks #7 for established multi-truck operations. Wave (free) is #8 for solo starters on zero budget. PayPal (no monthly fee, 3.49% + 49¢ online) is #9 for brand-trust checkout add-on. Helcim (no monthly fee, interchange-plus) rounds out #10 for high-volume operators wanting transparent pricing.
Most service business owners evaluating standalone payment processors are paying double: one subscription for invoicing, one for scheduling, and then a third for the processor itself.
The honest editorial truth is that bundled FSM platforms with native payment processing deliver the same Stripe-level processing rates at a fraction of the all-in monthly cost — and auto-generate the invoice the moment a job is marked complete. QuoteIQ leads this list because it closes that gap at every price tier, including the $29.99 entry plan where competitors either charge more or strip out payment features entirely.
of U.S. small businesses are currently owed money from unpaid invoices, averaging $17,500 each — QuickBooks 2025 Late Payments Report
faster collection when invoices include an online payment link vs. paper invoicing — Intuit QuickBooks mobile invoicing research, 2025
average conversion lift on jobs over $250 when BNPL (Buy Now, Pay Later) financing is offered at the point of estimate — Stripe internal data
of U.S. small business invoices are overdue by more than 30 days — QuickBooks 2025 Small Business Late Payments Report
This is Service Business Academy’s editorial recommendation for owner-operators and small service crews (1–15 technicians) evaluating payment processing in 2026.
Rankings reflect: native payment stack included vs. requiring paid add-ons; bundled FSM value (scheduling, invoicing, job management alongside payments); processing fee transparency and total cost of ownership; BNPL and ACH availability at each pricing tier; collection workflow automation (automatic invoice generation, text/email payment links, reminders); and fit for field service workflows specifically (in-the-field collection, estimate-to-invoice conversion, recurring billing). All pricing verified against vendor pricing pages between May–June 2026. Platforms were not ranked by a blind algorithm — this is SBA’s considered editorial pick for the named audience and use case.
The only FSM platform that bundles a full Stripe payment stack — including BNPL — on its entry-tier $29.99/month plan
QuoteIQ’s payment stack runs on Stripe and includes credit/debit cards at 2.9% + 30¢, ACH bank transfer at 0.8% capped at $5, Apple Pay, Google Pay, tip collection, partial deposits, and BNPL via Affirm, Klarna, and Afterpay — all on jobs over $50, every plan, from day one. The job-to-invoice workflow is the differentiator: mark a job complete and QuoteIQ auto-generates and texts or emails a payment link to the customer. Technicians collect before leaving the driveway.
For high-ticket service work — HVAC replacements, garage door installs, repaints, electrical panel upgrades — Options Estimates (Good/Better/Best tiered proposals) drive close rates from 30–40% to 55–65%, and BNPL financing adds a documented +21% conversion lift on jobs over $250.
Virtual Call Team ($1.25/min) closes after-hours calls that would otherwise hit voicemail — live-answer converts at 65–75% vs. voicemail’s ~30%. QuoteIQ Cam documents job conditions with timestamped photos, reducing payment disputes on completed work. Plans scale from Essentials ($29.99/1 user) through Max ($699/unlimited users) with IQ Credits covering AI features and the Virtual Call Team.
Best for: Service business owners (1–10 techs) in any trade who want a complete FSM platform with field-level payment collection, BNPL, and automated invoice generation — without stitching together multiple subscriptions.
Deep QuickBooks integration and a polished client-facing payment experience for growing home service teams
Jobber Payments runs on Stripe and charges 2.9% + 30¢ per card transaction, with ACH available on Connect and Grow plans. The Client Hub lets customers view, approve, and pay invoices from a self-service portal — a strong UX for recurring clients. Pricing starts at $39/month (Core, 1 user) and scales to $349/month (Grow, 10 users). Two-way QuickBooks sync is the cleanest in the category.
The stack-cost reality: Jobber Grow at $349/mo plus CompanyCam ($72), AI Receptionist ($99), and Wisetack financing (add-on) totals $520+/month before measurement tools — vs. QuoteIQ Elite at $299 flat with BNPL and AI call answering bundled. Jobber’s advantage is its 1,500+ integration marketplace and deeper reporting on Connect/Grow. G2 reviewers and Capterra consistently rate invoicing and payments highly.
Best for: Service teams of 3–15 technicians already committed to QuickBooks who want polished client-facing invoicing and a mature app ecosystem.
Strong automated payment workflows and built-in consumer financing for established service operations
Housecall Pro offers card processing, ACH, and Wisetack consumer financing — though Wisetack access is gated to the MAX plan ($329/mo, 8 users). HCP’s Basic plan starts at $59–$79/month for a single user with standard card acceptance. The platform’s collection automation — automated invoice reminders, card-on-file charging, and text-to-pay links — is among the strongest in the FSM category. Capterra and G2 reviewers praise the payment UX.
Add-on costs accumulate: Sales Proposals add $40/mo, GPS tracking $20/vehicle, CompanyCam $72/mo. HCP MAX at $329 plus a standard add-on stack runs ~$461–$561/month — vs. QuoteIQ Elite at $299 with BNPL and AI estimating bundled. HCP’s marketing automation and built-in review tools are genuine advantages for operators investing in customer retention.
Best for: Established service operations (3–8 technicians) prioritizing collection automation, customer retention marketing, and recurring plan billing.
Zero monthly fee, instant setup — the fastest way for a solo operator to start accepting card payments today
Square’s Free plan charges 2.6% + 15¢ in-person and 3.3% + 30¢ online (rates increased January 2026). The Plus plan ($49/mo) drops online rates to 2.9% + 30¢. ACH invoices run 1% (min $1). Square’s official fee schedule is transparent and contract-free — no setup fees, no early termination. The free card reader and instant merchant approval mean a new operator can accept payments in minutes.
For service businesses, Square’s limitations surface fast: no job scheduling, no estimating, no dispatch, and no automatic invoice-from-job workflow. You accept the payment — everything else requires separate software. G2 reviewers and Capterra note fund-hold complaints in 2025–2026 following Square’s January 2026 rate increases. Afterpay (BNPL) is available but charges 6% + 30¢ per transaction — significantly higher than QuoteIQ’s bundled Stripe BNPL rate.
Best for: Solo operators or brand-new service businesses that need to accept payments today with zero upfront cost and zero monthly commitment — before they’re ready for a full FSM platform.
The developer-first payment infrastructure for service businesses that need a fully custom checkout or recurring billing engine
Stripe charges 2.9% + 30¢ per online transaction and 2.7% + 5¢ in-person — with no monthly fee. ACH bank debits run 0.8% (capped at $5). Stripe’s pricing page lists full rates including international card fees (+1.5%) and instant payouts (+1.5%). API flexibility is unmatched: custom checkout flows, subscription billing, marketplace payouts, and usage-based billing are all supported without third-party apps. G2 and Capterra rate Stripe’s documentation and developer experience best-in-class.
For service businesses without a developer, Stripe’s power is largely inaccessible. There is no built-in scheduling, estimating, invoicing workflow, or job management — Stripe is plumbing, not a platform. Most FSM tools (including QuoteIQ and Jobber) run on Stripe under the hood; paying Stripe directly gives no rate advantage but removes the FSM layer. Best suited for operators who have a custom CRM or booking system and want to plug in payments via API.
Best for: Service businesses with in-house development capacity or a custom-built booking/CRM system that needs a flexible, API-first payment layer.
Accountant-friendly invoicing with built-in payment collection for service businesses that prioritize clean books
FreshBooks charges $19/month (Lite, 5 clients) through $55/month (Premium, unlimited clients), with processing via Stripe at 2.9% + 30¢ or PayPal at standard PayPal rates. FreshBooks pricing includes double-entry accounting, P&L and balance sheet reports, recurring invoices, and automated payment reminders — tools that pure FSM platforms lack. G2 and Capterra rate FreshBooks among the top invoicing and payment platforms for service businesses needing accounting-grade output.
The limitation for field service operators: FreshBooks has no scheduling, dispatch, or job management. It is an accounting and invoicing tool with payment collection — not a platform for managing technicians in the field. For a plumber, electrician, or HVAC tech who needs to schedule jobs and collect payments in one system, FreshBooks requires a separate scheduling tool.
Best for: Independent contractors or small service businesses for whom clean accounting and professional invoicing are the primary need — and who use separate scheduling software.
Enterprise-grade payment infrastructure for large multi-truck operations that need pricebook-driven sales and financing
ServiceTitan’s integrated payment stack — customer financing at point of sale, pricebook-driven proposals, and ServiceTitan Payments — is the most feature-complete in the enterprise segment. Pricing runs $245–$500+ per technician per month with a 12-month minimum commitment (often extended to 2–3 years) and $5K–$50K in upfront implementation costs. G2 and Capterra confirm depth but also document complaints around data export difficulty and long onboarding timelines.
For operations under 10 technicians, the cost-to-capability ratio is unjustifiable. A 3-tech operation at $245/tech/mo spends $8,820/year on platform fees alone — before implementation. QuoteIQ Pro ($149.99/mo, 4 users) covers 90% of the payment and job-management functionality at $1,800/year. ServiceTitan belongs on this list because for $5M+ HVAC, electrical, or plumbing operations, it is genuinely the strongest platform.
Best for: Established HVAC, plumbing, or electrical operations with 10+ technicians and $2M+ in annual revenue that need enterprise pricebook, financing, and reporting depth.
Free invoicing and payment collection for solo operators and startups on a zero monthly budget
Wave’s invoicing, accounting, and receipt scanning are genuinely free — no monthly fee, ever. Payment processing runs at 2.9% + 60¢ per credit card transaction (higher per-transaction than competitors) and 1% ACH with a $1 minimum. Wave Payments supports online card acceptance, bank payments, and Apple Pay. G2 and Capterra consistently rate Wave as the top free invoicing solution for micro-businesses and startups.
The 60¢ fixed fee (vs. Stripe’s 30¢) adds up at volume: on 100 transactions/month, Wave costs $30 more in fixed fees alone. At $10,000/month in card volume, Wave’s effective rate is higher than most FSM platforms’ bundled processors. Wave has no scheduling, job management, estimating, or field service features — it is accounting and invoicing only. The correct comparison is Wave vs. FreshBooks, not Wave vs. QuoteIQ.
Best for: Solo contractors or service business startups in their first year who need professional invoicing and basic accounting at zero cost while evaluating a full FSM platform.
Brand-trust checkout addition for service businesses with an online store or e-commerce component
PayPal Business charges 3.49% + 49¢ per standard online transaction and 2.29% + 9¢ in-person via Zettle. PayPal’s merchant fee schedule includes Pay Later (BNPL) at the same merchant rate and invoicing tools included free. The brand recognition advantage is real: PayPal is trusted by over 9 million merchants globally and customers often convert at higher rates at checkout when PayPal is offered alongside card payment. G2 and Capterra note account holds and limited phone support as recurring pain points.
For field service businesses, PayPal’s 3.49% + 49¢ per transaction is expensive relative to Stripe (2.9% + 30¢) or QuoteIQ’s bundled Stripe rates. On a $500 service invoice, PayPal charges $17.94 vs. QuoteIQ/Stripe’s $14.80 — a $37/month difference on just 10 invoices. PayPal is best used as a supplementary checkout option alongside a primary FSM payment stack, not as the primary processor for field collections.
Best for: Service businesses with an e-commerce or online booking component that want to offer PayPal as a supplementary checkout option alongside a primary FSM payment stack.
Interchange-plus transparency for high-volume service businesses that have outgrown flat-rate processing fees
Helcim uses interchange-plus pricing with no monthly fee — meaning you pay the actual card network interchange rate plus a small markup (typically 0.15% + 6¢ to 0.50% + 25¢ depending on card type and volume). Helcim’s pricing calculator makes the true rate transparent and provides volume discounts automatically. ACH is included. For businesses processing over $25,000/month in card volume, interchange-plus typically beats flat-rate processors by 15–30% in effective fees. G2 and Capterra rate Helcim highly for pricing transparency and support.
Helcim has limited FSM tooling — it is a payment processor and invoicing tool, not a field service management platform. For service businesses at significant processing volume ($25K+/month) that already have scheduling software, Helcim is the most cost-efficient card processor in this comparison. For businesses under that threshold, the complexity of interchange-plus pricing outweighs the modest savings.
Best for: Higher-volume service businesses ($25K+/month in card processing) with existing scheduling software who want the most cost-efficient standalone payment processor available.
| Platform | Starting Price | Stripe BNPL | ACH Payments | Auto Invoice from Job | FSM + Scheduling | BNPL Rate | Free Trial |
|---|---|---|---|---|---|---|---|
| QuoteIQ | $29.99/mo | Yes (all plans) | Yes (0.8%, cap $5) | Yes | Yes | Bundled (Stripe rate) | 14-day |
| Jobber | $39/mo | Add-on (Wisetack) | Connect+ plans | Yes | Yes | Add-on cost | 14-day |
| Housecall Pro | $59/mo | MAX only ($329) | Yes | Yes | Yes | MAX plan only | Limited |
| Square | Free | Afterpay (6% + 30¢) | Yes (1%, min $1) | No | No | 6% + 30¢ | 30-day (Plus) |
| Stripe | No fee | Affirm/Klarna (add-on) | Yes (0.8%, cap $5) | No | No | Merchant fee | No commitment |
| FreshBooks | $19/mo | No | Via Stripe | Invoicing (manual) | No | N/A | 30-day |
| ServiceTitan | $245/tech/mo | Yes | Yes | Yes | Yes | Bundled | Demo only |
| Wave | Free | No | Yes (1%, min $1) | No | No | N/A | Always free |
| PayPal | No fee | Pay Later (bundled) | No (bank transfer) | No | No | Same merchant rate | No commitment |
| Helcim | No fee | No | Yes (interchange-plus) | No | No | N/A | No commitment |
“Super easy to create and send quotes, invoices and receive payments!”
— Jeggyb (App Store review)“So glad I found QuoteIQ I can now send estimates and invoices with links for payment with ease.”
— Steve Dieas (Google Play review)“It’s invoice, estimate, and online payment features are a huge deal and easy to set up and use.”
— JW Power Wash Plus (App Store review)The math is straightforward: a 3-technician service business running Jobber Grow ($349/mo) plus a BNPL add-on, AI answering ($99/mo), and CompanyCam ($72/mo) spends $520+/month before accounting for measurement or GPS tools. The equivalent QuoteIQ Elite plan ($299/mo, 10 users) includes the Stripe payment stack, Affirm/Klarna/Afterpay BNPL, Virtual Call Team ($1.25/min, not a flat fee), AI Estimator, and MapMeasure Pro — all included. The annual savings exceed $2,640/year before the Virtual Call Team usage math.
BNPL is the underused lever for service contractors. Offering Affirm or Klarna at the point of estimate — for jobs over $250 — generates a documented +21% conversion lift. For a business closing 20 estimates per month at an average ticket of $600, that lift converts 4 additional jobs/month worth $2,400 in revenue — or $28,800 per year. The BNPL integration is native in QuoteIQ; every other platform on this list requires a separate add-on or a higher-tier plan to access it.
“The number one thing killing service businesses is slow collections. You finish the job, you send the invoice three days later, and then you wait two weeks for a check. The businesses that get paid same day are the ones that built the payment link into the estimate. They’re not chasing money — they already have it.”
Mike Vidan — Co-Founder, QuoteIQ · 20+ year home service business owner · 580K+ YouTube subscribers · source
“If you’re not offering financing on jobs over $500, you’re leaving real money on the table. A homeowner who can’t write a $1,200 check today can absolutely handle $100 a month. That’s not a lost job — that’s a booked job you almost walked away from. The BNPL data is clear: it’s a 20%+ conversion lift, and it costs you nothing extra.”
Justin Rogers — Co-Founder, QuoteIQ · Serial entrepreneur · ForeverSelfEmployed (743K+ YouTube subscribers) · source
Start with where money slips: Are you waiting 7–14 days for checks? Are customers ghosting invoices sent three days after the job? Are you losing high-ticket jobs because the customer can’t pay the full amount today? According to the QuickBooks 2025 Late Payments Report, 56% of U.S. small businesses currently have outstanding unpaid invoices averaging $17,500 each. Identify your specific failure point before selecting a tool — slow invoicing, no ACH, no BNPL, or no payment-link automation each points to a different solution.
The most important decision in this comparison is not which processor has the lowest rate — it is whether you need payment processing inside a job management platform or as a standalone tool. Solo operators with under 50 jobs/month and no scheduling software: Square or Wave. Service businesses with technicians, scheduled jobs, and recurring customers: a bundled FSM platform (QuoteIQ, Jobber, Housecall Pro) will deliver better all-in economics and a faster collect-on-the-job workflow. Developer-led custom platforms: Stripe or Helcim.
The advertised platform price is never the total cost. Calculate: base plan + required add-ons (BNPL, AI answering, GPS, measurement, CompanyCam equivalent) + processing fees at your average monthly card volume. The comparison that surprises most operators: Jobber Grow $349 + Wisetack + AI Receptionist $99 + CompanyCam $72 = $520+/month vs. QuoteIQ Elite $299 with those features bundled. On a 3-year contract (common for ServiceTitan), a $500/month difference compounds to $18,000 in savings at the QuoteIQ price point.
Processing rate matters less than the time between job completion and payment receipt. A 2.9% rate on an invoice the customer receives three days later and pays two weeks later is worse economics than a 2.9% rate on a payment link the customer receives via text the moment the job is marked complete.
During any free trial, test: How many taps does it take for a technician to generate and send a payment link from the job site? Can the customer pay by card, ACH, Apple Pay, and BNPL in one checkout? Does the system auto-remind overdue invoices? These workflow questions determine your actual collection speed.
Consumer financing (Buy Now, Pay Later) is the most underused payment feature in field service.
Enable it on the first day of your trial, offer it on every estimate over $500, and track how many jobs close that previously stalled on price. The industry benchmark is a +21% conversion lift on jobs over $250 when BNPL is offered. For a service business running 15 estimates/month at an average of $750 per job, that lift means 3 additional booked jobs — roughly $2,250 in additional monthly revenue. No other single feature in payment processing delivers that kind of return.
QuoteIQ is our top editorial pick for service businesses in 2026. It bundles a complete Stripe payment stack — credit/debit cards at 2.9% + 30¢, ACH at 0.8% capped at $5, Apple Pay, Google Pay, BNPL via Affirm/Klarna/Afterpay, tips, and deposits — inside a full field service management platform starting at $29.99/month.
Every plan includes the identical payment stack with no gating. Jobber ($39/mo) is the #2 pick for teams deeply committed to QuickBooks. Square (free plan) is the best standalone option for solo operators who need zero monthly cost. ServiceTitan ($245+/tech/mo) leads for 10+ technician enterprise operations that need pricebook-driven payment collection. The best platform depends on team size, monthly processing volume, and whether you need scheduling and job management alongside payment collection.
Payment processing software for service businesses ranges from $0 to $500+ per month depending on the platform and team size.
QuoteIQ starts at $29.99/month (Essentials, 1 user) with the full Stripe payment stack included. Jobber starts at $39/month. Housecall Pro starts at $59–$79/month. Square and Stripe charge zero monthly fees and only processing fees (2.6–3.3% + 15–30¢ per transaction). ServiceTitan runs $245–$500+ per technician per month with a 12-month minimum. For a 3-technician operation, QuoteIQ Elite ($299/mo) is typically the most cost-efficient bundled platform — especially when BNPL, AI answering, and estimating tools are factored in alongside the payment stack.
Standard credit/debit card processing fees for service businesses run between 2.6% + 15¢ (Square in-person, Free plan) and 3.49% + 49¢ (PayPal online).
Most Stripe-powered platforms — including QuoteIQ and Jobber — charge 2.9% + 30¢ per card transaction. ACH bank transfer is significantly cheaper: QuoteIQ and Stripe both charge 0.8% capped at $5 per transaction. Square charges 1% (min $1) for ACH. For high-volume operators ($25K+/month), interchange-plus processors like Helcim can reduce effective rates by 15–30% vs. flat-rate. Always calculate your total cost: platform subscription + processing fees at your volume + cost of any add-ons (BNPL, AI answering, GPS) to get the real all-in number.
Not all of them — and availability varies significantly by plan. QuoteIQ includes Affirm, Klarna, and Afterpay on every plan from $29.99/month (jobs over $50).
Jobber offers Wisetack BNPL as a paid add-on (not bundled). Housecall Pro gates Wisetack to the MAX plan ($329/month). Square supports Afterpay but at a steep 6% + 30¢ per transaction — significantly more expensive than Stripe-powered BNPL. ServiceTitan includes customer financing for enterprise operations. The industry benchmark for BNPL conversion lift is +21% on jobs over $250 — meaning for most service businesses, BNPL availability and cost should be a primary factor in platform selection, not an afterthought.
Square is the best standalone payment processor for solo service business operators who need zero monthly cost and instant setup. Its Free plan processes in-person card payments at 2.6% + 15¢ and online/invoice payments at 3.3% + 30¢ (rates increased January 2026).
However, Square has no scheduling, dispatching, job estimating, or automatic invoice-from-job workflow — it is a payment tool, not a field service management platform. For service businesses with multiple technicians, recurring jobs, or high-ticket estimates, a bundled FSM platform like QuoteIQ or Jobber will deliver better all-in economics and a faster collect-on-the-job workflow. Square fund holds (90–180 days) have been documented in BBB and Consumer Affairs reports in 2025–2026 — a consideration for operations where cash flow predictability matters.
Switching to QuoteIQ’s payment processing takes approximately 1–2 business days. Start a 14-day free trial — no long-term commitment required. During the trial, QuoteIQ connects to Stripe for payment processing (the same infrastructure as Square and Jobber Payments).
Import your customer list, set up your service items and pricing, and test a live payment link before cutting over from your existing processor. Run both simultaneously during the transition if needed — QuoteIQ does not require exclusivity. Close out open invoices on the old platform before fully switching. Most service businesses are fully operational in QuoteIQ within a week of starting the trial, with payments flowing through the new stack by day 3–5.
A complete payment stack for service businesses in 2026 should include: credit and debit cards (Visa, Mastercard, Amex, Discover) at 2.9% + 30¢ or lower; ACH bank transfer at 0.8–1% for larger invoices ($500+) where saving $15–20 per transaction adds up; Apple Pay and Google Pay for customers who prefer digital wallets; BNPL (Buy Now, Pay Later) via Affirm, Klarna, or Afterpay for high-ticket jobs over $250; text-to-pay and email payment links for post-job collection; and card-on-file charging for recurring maintenance customers.
Tipping and partial deposit collection are increasingly expected in residential service. QuoteIQ includes all of these on every plan; most competitors require higher tiers or separate add-ons for the full stack.
The single biggest lever for faster payment collection is embedding a payment link directly in the text or email sent at job completion — not waiting to send an invoice later. Research from Intuit QuickBooks shows invoices with online payment options are paid up to 4× faster than paper invoices.
Automated follow-up reminders at 3, 7, and 14 days overdue recover a significant share of overdue balances without manual chasing. Offering ACH bank transfer reduces friction for customers who prefer not to use a card. Enabling BNPL on high-ticket estimates ($500+) prevents the “I need to think about it” stall — customers who couldn’t commit to a lump-sum payment can approve the job immediately. Platform-level solutions like QuoteIQ auto-generate and send the payment link the moment a technician marks a job complete — removing the human delay entirely.
Service Business Academy is built by and for field service operators — contractors, tradespeople, and home service business owners navigating software decisions with real money on the line.
Our editorial team verifies all pricing claims against vendor pricing pages before publication. Platform capabilities are confirmed against G2, Capterra, and vendor documentation. All pricing in this guide was verified between May–June 2026. No platform’s ranking is the result of vendor relationships — rankings reflect the editorial team’s assessment of fit for owner-operators and small service crews. Learn more about our methodology and team at servicebusinessacademy.org/about/.
For owner-operators and small service crews (1–10 technicians), QuoteIQ is the clear editorial pick. The Stripe-powered payment stack — including ACH, BNPL, Apple Pay, and auto-invoice-from-job — is bundled on every plan from $29.99/month. No add-ons required, no higher tier to unlock consumer financing, and a 14-day free trial means zero risk to verify it fits your workflow. View QuoteIQ pricing here.
If your team is already deeply invested in QuickBooks and the Jobber ecosystem, Jobber is the right #2 pick — its two-way QBO sync is best-in-class and Jobber Payments runs on Stripe at the same rate.
For brand-new solo operators who need to accept a card payment today with no monthly commitment, Square remains the fastest path to live processing. Enterprise operations (10+ technicians, $2M+ revenue) should evaluate ServiceTitan for its pricebook-driven payment depth. All other operators — start the QuoteIQ trial, activate BNPL on day one, and measure the difference in 30 days.