Payment Processing · Trades & Home Services
★★★★★ 5.0  ·  Built for plumbers, HVAC, roofers, electricians & contractors

Get Paid Faster —
On the Job, After the Job, or in the Field

Payment processing, mobile terminals, virtual terminal, text-to-pay, and ACH for plumbers, HVAC, electricians, roofers, landscapers, contractors, and cleaning companies across Tampa Bay. Works with HouseCallPro, Jobber, and the field service tools you already run.

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Free · No contracts · Local Tampa Bay setup & support
Works with HouseCallPro & Jobber ACH for big tickets Free mobile terminals $500 rate match guarantee
250+
Tampa Bay Trades Served
ACH
Big-Ticket Savings
24hr
Next-Day Funding
5.0★
Google Rating
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The Problem

Why trades and home service businesses often overpay

Most home service businesses rely on payment processing bundled into their field service software, invoicing tools, or legacy merchant accounts. Those setups are built for platform convenience — not for your operational efficiency or your margins on big tickets.

Flat or padded pricing
Percentage-based card fees get applied across every job — regardless of ticket size, card type, or real interchange cost. On a $10K job, that's real money.
Poor visibility
Most owners can't clearly see what they're actually paying in markup, gateway fees, or blended processing costs. The statement is designed to be confusing.
Too much manual work
Office staff waste time posting payments, fixing mistakes, tracking deposits, and answering billing questions instead of booking more jobs.
Disconnected channels
Field payments, invoices, office payments, and remote payments live in different systems that don't talk to each other. Reconciliation becomes a guessing game.
Large-ticket friction
Big jobs need deposits, progress draws, ACH options, and sometimes structured payment plans. Most processors aren't set up to handle that smoothly.
Slower cash flow
When payments are delayed, disputed, or hard to confirm, the business feels it immediately — in scheduling, payroll, parts orders, and growth.
The Big-Ticket Math

Card processing kills trades margins.

The trades industry runs on big tickets. A water heater. A panel upgrade. A roof. An HVAC system. Charge those on a credit card at 3% and you hand the processor $300+ on every $10K job. Multiply by your job count and the number gets serious.

Here's how a $10,000 service job actually costs you across different payment models.

See Your Real Savings → Talk to Us First
$10K job · Flat-rate card (Square)
2.9% + $0.30 · No discount on size
~$290 fee
$10K job · Big-box processor card
Padded interchange + fees · Same across all tickets
~$300 fee
$10K job · Field service software card
Bundled processing, no rate negotiation possible
~$250–$350
$10K job · Tampa Bay Pay ACH
0.5% + $0.20/transaction · Massive savings on big tickets
~$50 fee
$10K job · Cash / check only
$0 fee · But you lose customers who want to pay by card
Lost sales
What We Set Up Most Often

Our most popular trades solutions

Every home service business gets paid a little differently — some are in the field all day, some bill from QuickBooks, some need handhelds in the truck, some want ACH on big tickets. Here's what we set up most often for Tampa Bay trades businesses.

Most Popular · Trades

SwipeSimple

Mobile · App-based · No hardware needed
App-based payment platform that works on any smartphone or tablet. Technicians can swipe, tap, key in manually, or send a payment link by text — all from a phone they already carry. Zero fixed hardware investment.

PayBright Gateway

TBP preferred · virtual terminal included
Our preferred gateway — virtual terminal, recurring billing for maintenance plans, secure payment links, and text-to-pay from a single dashboard. Office and remote billing handled. Learn more →

Dejavoo Terminals + iPosPays Gateway

P Series · QD Series · handheld mobile
Physical handheld card terminals for the crew — Dejavoo P Series (compact mobile) or QD Series (larger touchscreen) — paired with iPosPays gateway for processing, reporting, and reconciliation.

QuickBooks Integration

Invoicing · automated sync
Automated invoicing and payment sync directly to QuickBooks Online. Invoices, receipts, and deposits reconcile on their own — your bookkeeper stops double-entering and your AR stays clean.

ACH Processing

Low cost on big tickets
Offer ACH alongside cards on large jobs. A $10,000 roof on a credit card runs $250–$350 in fees. The same transaction on ACH at our starting rate (0.5% + $0.20 per transaction) runs about $50. That's $200–$300 saved per job — and on a busy job board, the savings compound fast.
Ask us what fits your business →
Already on HouseCallPro, Jobber, or ServiceTitan?

There's actually a real answer here now.

For a long time, the honest answer was "no integration possible." Platforms like HouseCallPro, Jobber, and ServiceTitan don't allow outside payment processors inside their apps — they bundle their own processing and lock it in. That used to be the end of the conversation.

What's changed: through PayBright's recently launched partnership with POS Plus, we can now offer an integration layer that connects Tampa Bay Pay's processing to your existing field service software. When a payment runs through our system, the invoice in HouseCallPro, Jobber, or ServiceTitan gets marked as paid automatically. It's not a native plug-in — those platforms still don't allow outside processors inside their apps — but it's a smart workflow bridge between the two systems that delivers the same end result.

If the integration layer isn't the right fit for your setup, we can also run a parallel workflow with companion tools — SwipeSimple for mobile payments, secure payment links, text-to-pay, a Dejavoo handheld, or our virtual terminal — all running on Tampa Bay Pay's lower rates. Either way, your team keeps the scheduling and dispatch software they already use.

Trade-by-Trade Setups
Every trade is paid
a little differently
Eight trades. Eight different payment workflows. Here's how we set each one up.
1 / 8
PlumbingEmergency
Collect On-Site
🔧
Job Complete · Service Call
Burst Pipe Repair $487.50
📱 Tap-to-Pay · Done in 12 sec
Plumbers — Collect Before You Leave
Plumbing Companies
Emergency calls. Quick payment. Done in the driveway.
A burst pipe at 2am. Your tech gets there, fixes it, and needs to collect before the truck rolls to the next call. We set up mobile tap-to-pay, text-to-pay, and Dejavoo handhelds so payment is never the bottleneck. Water heater installs? ACH cuts the fees dramatically.
  • Tap-to-pay on the tech's phone (SwipeSimple)
  • Text-to-pay link for after-hours service calls
  • Dejavoo P1 handheld for crews that prefer hardware
  • ACH option for $2K+ water heater & repipe jobs
  • Recurring billing for service membership plans
Get a Free Rate Review → Book a Consult
HVACBig Installs
Deposit + Final
❄️
$12,400 HVAC Install
Deposit (ACH)$4,000
Final (ACH)$8,400
Total fees~$62
HVAC — Deposit, Draw, Final
HVAC Companies
Big installs. Structured payments. Margin protected.
An HVAC install can run $8K-$15K. Charge it on a credit card and the processor eats $300+ of your margin. We set up ACH-first for deposits and final payment with card as a backup, plus recurring billing for those quarterly maintenance plans that print money.
  • ACH for $5K+ deposits and final balance payments
  • Card backup when the customer prefers points/miles
  • Recurring billing for quarterly tune-up plans
  • Virtual terminal for office-billed extras and add-ons
  • QuickBooks sync for clean monthly reconciliation
Get a Free Rate Review → Book a Consult
ElectricalField + Office
Two-Channel
⚡
FIELD
SwipeSimple
OFFICE
Virtual Terminal
Both channels · One merchant account
Electricians — Field & Office
Electrical Contractors
Service calls today. Panel upgrade Friday.
Electrical work splits between same-day service calls and multi-day projects. Mix of field payments and office billing. We give your techs SwipeSimple on their phones for in-field collection and a virtual terminal at the office for invoiced work — both running on one merchant account.
  • SwipeSimple mobile app for techs in the field
  • Virtual terminal for office-billed panel upgrades
  • ACH for $3K+ commercial and panel jobs
  • Payment links by text for non-home appointments
  • Same-day batch deposits, next-day funding
Get a Free Rate Review → Book a Consult
RoofingHigh-Ticket
ACH Saves $300+
🏠
$15K Roof Replacement
Credit card fee (3%)~$450
ACH fee (0.5% + $0.20)~$75
~$375 saved per job
Roofing — ACH On Big Jobs
Roofing Companies
$15K jobs without the 3% margin hit.
A $15K roof on a credit card costs you $450+ in fees. The same job on ACH at our starting rate (0.5% + $0.20)? About $75 — saves you ~$375 per job. We structure roofing payments around deposit-progress-final with ACH primary and card optional.
  • ACH-first on deposits, progress draws, and final balances
  • Card optional when the homeowner prefers
  • Progress draw collection through virtual terminal
  • Same-day MID approval — start collecting fast
  • Next-day funding on every batch
Get a Free Rate Review → Book a Consult
LandscapeRecurring
Set & Forget
🌿
Monthly Recurring · 247 Routes
Lawn care · $85/moAuto
Commercial · $345/moAuto
0 hours/mo of chasing payments
Landscape & Lawn — On Autopilot
Landscape & Lawn Care
Weekly routes on autopilot. Office stops chasing.
Monthly lawn maintenance, weekly cleanups, seasonal mulch jobs, one-time landscape installs. Recurring billing handles the route revenue automatically while your team focuses on the work. Card on file means no monthly chase, no missed payments, no awkward calls.
  • Recurring weekly, biweekly, or monthly billing
  • ACH option for low-cost recurring on commercial accounts
  • Automatic failed payment retry and recovery
  • Customer self-service portal for card updates
  • QuickBooks sync for clean monthly reconciliation
Get a Free Rate Review → Book a Consult
Auto RepairDual Pricing
$0 Card Fees
🔩
Brake Job · Dual Pricing (4%)
Cash price$1,000.00
Card / list price$1,040.00
Customer chooses · You pay $0 fees
Auto Repair — Counter + Tow
Auto Repair & Mobile Mechanics
Counter pay, tow-ins, parts deposits — all covered.
Auto shops have walk-in customers, scheduled service, tow-ins, and parts deposits to handle. We set up a counter terminal, mobile payment for tow-ins, and dual pricing eligibility if you want to offset card fees entirely. Wrenchmasters and similar shops have run this play successfully.
  • Counter terminal (Clover Mini or Dejavoo Z11)
  • Dual pricing eligible — cash & card prices both posted
  • Mobile payment for tow-ins and roadside
  • Parts deposit workflow with refund support
  • QuickBooks integration for clean monthly books
Get a Free Rate Review → Book a Consult
Pest ControlQuarterly
100% Auto
🐜
Quarterly Service · 412 Accounts
✓Card on file at signup
✓Auto-charge on service date
✓Auto-retry on failed payments
Pest Control — Set It & Forget It
Pest Control
Quarterly routes. Zero office chase.
Pest control runs on recurring revenue — quarterly, monthly, or bi-monthly. Card-on-file means no monthly invoicing, no chasing, no missed payments. Your tech runs the route, the system bills automatically, and your bookkeeper sleeps better at night.
  • Recurring billing on every customer signup
  • ACH option for monthly subscribers (lower cost)
  • Automated failed payment retry workflow
  • Card-on-file management and customer self-update
  • Customer notifications before each billing cycle
Get a Free Rate Review → Book a Consult
CleaningHybrid
Recurring + One-Off
🧽
RECURRING
Weekly Clean
ONE-TIME
Deep Clean
One merchant account · Both billing models
Cleaning — Recurring + One-Off
Cleaning Companies
Recurring contracts + one-time deep cleans.
Weekly residential routes, monthly commercial contracts, and one-time deep cleans. Different billing models for different services. We set up recurring for contracts, mobile payment for one-time jobs, and ACH for the big commercial accounts — all under one merchant account.
  • Recurring billing for weekly and monthly contracts
  • Mobile payment (SwipeSimple) for one-time deep cleans
  • ACH for commercial accounts and bigger contracts
  • Payment links via text for office-billed jobs
  • Same-day batch deposits, next-day funding
Get a Free Rate Review → Book a Consult
Don't see your trade? We work with every kind of home service business — from pool service to restoration to handyman ops. Tell us how you get paid and we'll match the right setup.
Talk to a Trades Specialist →
How Home Service Businesses Use It

Built for how field service actually gets paid

Every home service business gets paid a little differently — in the field, after the job, in the office, over the phone, on deposit, on draw. We build setups that handle every channel without creating extra work.

On-site payments
Mobile terminals (PAX A920, Dejavoo), tap-to-pay, and text-to-pay links — your technicians collect before they leave the driveway.
Deposits and progress payments
Structured deposits, draws, and final payments for roof replacements, HVAC installs, remodels, and restoration work. ACH preferred for the big ones.
Invoicing after completion
Clean invoices with both card and ACH options — customers pay in one click, your office stops chasing.
Recurring maintenance plans
HVAC quarterly, pest control monthly, pool service weekly, lawn care seasonal — recurring billing runs on autopilot.
Phone & office payments
Virtual terminal for card-on-file, phone orders, or office walk-ins. Key in, charge, done — no new hardware needed.
Payment plans on large jobs
Structured installments and ACH workflows that make higher-ticket jobs easier for customers to say yes to — and easier for you to book.
Pricing Options for Trades

The right pricing model depends on your ticket size

Flat-rate processing hurts big-ticket trades the most. A $10K roof charged on a card at 3% costs you $300. The same job on ACH can cost less than $10. We help you pick the pricing model that matches how your business actually bills — not a one-size-fits-all rate.

ACH for Big Tickets
Starting at 0.5% + $0.20 per transaction + $20/month service fee. On a $10K transaction, fees run ~$50 — vs $250+ on a credit card.
Lowest cost
Interchange Plus
Transparent cost-plus pricing. Typically beats flat-rate on monthly card volume over $15K.
Transparent
Dual Pricing
Cash price / card price both posted — works for counter-service trades (auto repair, mobile mechanics).
$0 fees
Not sure what fits?
Free statement review — we show you what you're paying now and what each model would cost you.
Free review
Who We Help

Trades and home service businesses we support

We work with service-based businesses across Tampa Bay that need flexible, reliable, and easier-to-manage payment workflows.

Plumbing Companies
HVAC Companies
Electrical Contractors
Roofing Companies
General Contractors
Remodelers
Landscaping Businesses
Tree Services
Pool Services
Pest Control
Auto Repair Shops
Mobile Mechanics
Cleaning Companies
Restoration Businesses
Outdoor Service Companies
Client Spotlight

A Largo tree service, set up end-to-end

When we work with a local home service business, we're not just placing a terminal — we build the operational stack around it. Processing, mobile payment tools, and when it makes sense, the website and online presence that helps bring jobs through the door.

Arbor Solutions

Tree Service · Largo, FL

“Zac and the Tampa Bay Pay team didn't just set up our payment processing — they built out the whole back end of our business. We close jobs faster in the field, our invoicing is cleaner, and when something needs attention, they actually pick up the phone.”

— Troy White, Owner

What We Delivered

Processing, payments & presence

✓  Mobile payment setup for field crews

✓  ACH for larger removal jobs

✓  Branded website built on GoHighLevel

✓  Local Tampa Bay support — one call away

Visit Arbor Solutions: arborsolutionsllc.com →

Why Tampa Bay Trades Choose Us

We know the service business. We know the software. We show up locally.

We've set up plumbers, HVAC companies, electricians, roofers, landscapers, and cleaning operations across Tampa, St. Pete, Clearwater, Dunedin, Largo, Bradenton, and Sarasota. We understand field service workflows, big-ticket billing, and the reality of running a crew — and we build payment setups that reduce friction instead of adding to it.

Meet the Team → Get a Free Rate Review →
✓
No contracts
Month-to-month. No early termination fees. If we stop earning it, you can leave.
✓
Free mobile terminals
PAX A920 Pro, Dejavoo, or other field-ready hardware — provided at no cost, no lease.
✓
$500 rate match guarantee
Show us your statement. If we can't beat your rate, we pay you $500.
✓
In-person setup & crew training
We come on-site, install the system, train technicians on mobile payment, and stick around to answer questions.
✓
24/7 payment support
Field service doesn't run 9-to-5. Neither does our support.
✓
Next-day funding
Jobs closed by 11pm hit your account the next business day. Cash flow keeps up with your schedule.
⭐⭐⭐⭐⭐
The highest-rated payment solutions team in Tampa Bay
157+ five-star Google reviews · 172 total across platforms
See What You'd Save →
Frequently Asked Questions

Trades payment processing questions — answered

Do you integrate with HouseCallPro, Jobber, or ServiceTitan?
Yes — and this is a relatively new capability. Through PayBright's recently launched partnership with POS Plus, we can now connect Tampa Bay Pay's processing to your existing field service software. When a payment is captured through our system, the invoice in HouseCallPro, Jobber, or ServiceTitan gets updated to "paid" automatically. It's not a native plug-in (those platforms still don't allow outside processors inside their apps), but it's a smart automation layer that bridges the two systems and delivers the same result. If the integration layer isn't the best fit for your setup, we can run a parallel workflow instead — SwipeSimple for mobile payments, secure payment links, text-to-pay, a Dejavoo handheld, or our virtual terminal — all on Tampa Bay Pay's lower rates. Your team keeps the scheduling and dispatch software they already use either way.
Can my technicians take credit card payments in the field?
Yes. We set up mobile payment terminals, tap-to-pay on phones, and text-to-pay links depending on how your crews work. A technician can swipe a card on a handheld terminal at the end of a job, tap a customer's phone for payment, or send a secure pay-link by text that the homeowner completes on their own device.
How do deposits and progress payments work for large jobs?
For larger tickets — roofing replacements, HVAC installs, major remodels — we set up structured payment workflows that include deposits, draws, and final payments. These can run through your existing software, via secure payment links, or through a virtual terminal. ACH is often the preferred method on large deposits because the cost is dramatically lower than credit card processing.
Is ACH really cheaper than credit cards for big tickets?
Yes — significantly. On a $10,000 roof replacement, credit card processing can cost $250–$350 in fees. The same transaction on ACH at our starting rates (0.5% + $0.20 per transaction, plus a $20/month service fee) runs about $50. That's $200–$300 back in your pocket per big-ticket job. For any service business where large-ticket jobs are a meaningful part of revenue, offering ACH alongside cards usually pays for itself within the first couple of jobs.
Do you offer text-to-pay?
Yes. Text-to-pay is one of the fastest ways for home service businesses to collect — especially on jobs where the customer wasn't home at close-out. We text them a secure payment link, they tap it, enter their card or bank info on their own device, and you get notified the moment they pay. Zero office chase time.
Can I set up recurring billing for maintenance plans?
Yes. Recurring billing is included with every gateway we set up. HVAC quarterly maintenance, pest control monthly routes, pool service weekly, lawn care seasonal — any recurring revenue model can be automated. Customers go on file once, get billed on schedule, and your office stops chasing monthly invoices.
What's the difference between tap-to-pay, mobile terminal, and text-to-pay?
Tap-to-pay lets your technician accept a payment by having the customer tap their phone or card to your technician's phone. A mobile terminal is a physical handheld card reader (we often use the PAX A920 Pro) that connects via cell or Wi-Fi. Text-to-pay is a payment link sent by SMS that the customer completes on their own phone. Most trades businesses use a combination of all three, and we help you pick the right mix for your service model.
Are there setup fees or monthly software costs?
No setup fees. Hardware is typically provided at no cost. There's no monthly software fee for the standard merchant account and gateway setup. If your business needs specialized integrations or upgraded reporting tools, any additional costs are disclosed clearly upfront — never buried in the statement.
Serving Trades Across Tampa Bay

We go where your crews are

In-person setup and support across the entire Tampa Bay region — from Tampa's commercial contractors to Largo's home services corridor and Sarasota's construction and remodeling market.

Tampa St. Petersburg Clearwater Dunedin Bradenton Sarasota Largo
Trades & Home Services · Free, No Commitment
See what your service business is really paying
Send us your current processing statement and we'll show you a clear comparison — what you're paying now, what you'd pay with us, and which pricing model fits your job mix. No disruption, no obligation, and we'll identify ACH savings opportunities on your largest tickets.
Get a Free Rate Analysis → Book a Free Consult
No contracts  ·  Free mobile terminals  ·  $500 rate match guarantee  ·  24/7 support  ·  Local Tampa Bay team
Real Merchants · Real Results

What Our Clients Are Saying

Tampa Bay businesses share their experience working with Tampa Bay Pay — from setup through ongoing support.

Joto's Pizza
Jodi Whitcomb, Owner  ·  jotospizza.com
Family-owned for 52 years. Upgraded to FigurePOS — caller ID integration, customizable menus, and a system staff learn fast without extensive training.
Restaurant FigurePOS Seminole, FL
Florida Orange Groves Winery
Lance Shooks, Owner  ·  floridawine.com
When QuickBooks stopped processing credit cards, Tampa Bay Pay provided a seamless integration — keeping their existing QuickBooks setup without an expensive POS replacement.
Winery & Retail QuickBooks Integration St. Pete Beach, FL
Plumbing by Paul
Paul & Alycia Alves, Owners  ·  plumbingbypaulllc.com
Tampa Bay Pay goes beyond payment processing — always reachable by phone, text, or email, and a valuable partner for Google SEO, social media, and web support.
Plumbing & Trade Dual Pricing Tampa Bay, FL
Plumbing by Paul
Paul Alves  ·  plumbingbypaulllc.com
Previous provider had frequent errors and slow funding. New setup processes payments reliably in the field and at the office — with next-day funding that's critical for a small business.
Plumbing & Trade Next-Day Funding Mobile Payments
Wrenchmasters
Kenny Gehringer, Owner  ·  wrenchmastersauto.com
Previous processor only offered a 1-800 number. Switched for local support and streamlined technology — now sends invoices and processes tap-to-pay even when internet is spotty.
Auto Service Tampa Bay, FL
Read all 157 five-star reviews on Google →
Google Reviews · Tampa Bay Pay

The Highest Rated Payment Team in Tampa Bay

Don't take our word for it — here's what local business owners say after switching to Tampa Bay Pay.

5.0
★★★★★
Google Rating
Verified Reviews
Ready to switch? Get a free rate analysis →