Payment Intelligence for Home Services
Every Swipe Is Costing
You Equity.
Most home service contractors lose 2.5%–3.5% of gross revenue to credit card processing fees. These aren't operating costs — they're profit leaks that reduce cash flow, hiring capacity, and long-term business value.
The Hidden Cost
Processing fees don't just cost money. They cost growth.
2.5–3.5%
Of every dollar collected goes to processing — straight off your bottom line
$48K–$240K
Annual fees for contractors doing $2M–$10M in revenue
6x – 8x
EBITDA multiple — every $1 saved adds $6–$8 in business value
Financial Impact
What processing fees are really costing you
| Annual Revenue | Est. Processing Fees | Lost Business Value (6x – 8x) |
|---|---|---|
| $2,000,000 | ~$48,000 / year | $288K – $384K |
| $5,000,000 | ~$120,000 / year | $720K – $960K |
| $7,000,000 | ~$168,000 / year | $1.0M – $1.3M |
| $10,000,000 | ~$240,000 / year | $1.4M – $1.9M |
At a 6x–8x multiple, a $10M contractor could be losing up to $1.9 million in enterprise value — from processing fees alone. No matter your size, this is real money you should be keeping.
Savings Calculator
See what you could keep
Estimated Fees Lost Per Year
$—
Lost Business Value (6x – 8x multiple)
$— – $—
What You Keep With Dual Pricing
$— – $—
The Solution
Dual pricing eliminates 100% of your processing fees.
Not a price increase.
Cash customers see the same price. Card users see a small, transparent service fee — already standard across industries.
Fully compliant. Zero risk.
Legal in all 50 states. Used by thousands of businesses nationwide. No gray areas.
Works with your stack.
ServiceTitan, Housecall Pro, and all major field service CRMs. No disruption.
Simple implementation.
We handle setup. Your team keeps running. Revenue impact starts immediately.
The Outcome
Eliminate processing fees entirely
Increase net profit margin immediately
Improve cash flow for hiring & growth
Cleaner P&L and stronger EBITDA
Higher business valuation at exit
Same Revenue. Same Team.
More Profit.
Payments shouldn't be a black box.
Most service businesses are quoted a processing rate, but that's only part of the cost. Several different fees make up the total. Without a clear breakdown, it's hard to understand what you're really paying.
Quoted Rate
Hidden Layers
True Cost
What We Do
A smarter payment layer for your modern home service company.
Clarity First
We break down what you're really paying in processing fees and show what's driving your costs — so you can make informed decisions.
Workflow Stays the Same
Your software, invoicing, and customer experience stay exactly as they are. We design around how you operate.
Ongoing Optimization
As your payment volume and payment types change, we review your setup to make sure your payment costs stay aligned with your business goals.
How It Works
Simple, structured, and built for stability.
Payment Analysis
We review your statements and transaction mix to understand your real costs and where improvements can be made.
Payment Strategy
We design the right pricing model and payment setup based on how your business actually gets paid.
Implementation
We implement the new setup alongside your current system and transition gradually so your operations stay consistent.
Who We Help
Built for the trades that power every home.
HVAC
Plumbing
Electrical
Garage Door
Roofing
Proof
Real operators. Real improvements.
We work with service businesses that show improved visibility, stability, and control over their payment economics — without disrupting operations.
"Finally, clarity on what we're actually paying. ServicePay helped us understand the layers in our processing and optimize our setup without changing anything operationally. The impact was immediate."
"ServicePay Solutions transformed our restoration business. We were drowning in credit card fees, and they significantly reduced those costs. Cash flow improved fast, and we were able to reinvest in growth."
"ServicePay's analysis gave us a clear structure that matched how we collect payments in the field. Nothing changed for our team, but the savings were real."
Questions
Frequently asked questions
Stop giving away profit.
Get your money back.
Whether you're doing $2M or $20M, processing fees are reducing your margins, your cash flow, and your business value every single month.
We'll show you exactly what this looks like for your business. 15 minutes.
Contact Us
Get a Free Payment Analysis
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