Contractors & Home Services

Contractors and home service businesses face unique payment challenges that traditional payment processors simply do not understand. You are rarely at a fixed location, your jobs range from small repairs to major renovations costing tens of thousands of dollars, and your customers often need financing options for larger projects. The days of accepting only cash and checks are over — today's homeowners expect to pay with credit cards, debit cards, and digital wallets, and they expect the process to be smooth and professional.

Unison Payment Solutions provides the complete payment toolkit that contractors need: mobile card readers that connect to your smartphone via Bluetooth and work anywhere you have cell signal, professional invoicing with online payment links that you can send by text message or email, and consumer financing integration that lets your customers pay over time while you receive the full project amount within days. Whether you are on a rooftop, in a crawl space, or at a customer's kitchen table, you can accept payments on the spot.

One of the biggest advantages we offer contractors is our consumer financing program. When a homeowner needs a five-thousand-dollar HVAC replacement or a ten-thousand-dollar bathroom remodel, being able to offer zero-percent or low-interest payment plans dramatically increases your close rate. Studies show that contractors who offer financing close 30 to 60 percent more large jobs because customers can say yes to the full scope of work instead of cutting corners to save money. You receive the entire project amount within days of the customer's approval — the financing company handles all collections and payments.

Our cash discount program is another game-changer for contractors working on tight margins. Instead of absorbing 2 to 3 percent processing fees on every credit card transaction, the cash discount program passes those costs to card-paying customers through a compliant service fee while offering a discount to cash payers. Many contractors save thousands of dollars per year with this program, effectively eliminating their processing costs entirely.

We also integrate with popular field service management software and accounting tools including QuickBooks, Xero, ServiceTitan, Housecall Pro, and Jobber. Payments flow directly into your accounting system with no manual data entry required. Track deposits, progress payments, and final invoices all from a single dashboard that you can access from your phone, tablet, or computer.

Unison serves all types of contractors and home service businesses: plumbers, electricians, HVAC technicians, general contractors, roofers, painters, landscapers, pool service companies, pest control operators, cleaning services, and more. Whatever your trade, we have the payment solution that fits your workflow and helps you get paid faster.

Getting started is quick and easy. The entire application takes less than 10 minutes.

What You Need to Apply

• Basic business details (name, address, EIN)
• Recent processing statement (if switching providers)
• Voided check for deposit setup

Approval Timeline

Most businesses get approved within 24–48 hours. No hard credit pull. No obligation. Our team matches you with the right bank and setup for your business.

Setup & Onboarding

Once approved, we configure your terminal or gateway with your settings:

• Tax rates and tip options
• Receipt branding and employee access
• Software integrations
• Free training for your team

Transparent Pricing

We use interchange-plus pricing. You pay the wholesale rate plus a small markup. No hidden fees. No long-term contracts. No early termination penalties.

Your dedicated account manager monitors your account. They help optimize your setup and are always a call away.

Processing fees rank among the top business expenses — right behind rent and payroll. Most owners don't realize they're overpaying.

See What You're Really Paying

Flat-rate and tiered pricing hide the real costs. Interchange fees, assessment fees, and markup get bundled together. You can't tell what goes to the card networks versus your processor.

Interchange-plus pricing separates these costs. You see the wholesale rate on every transaction plus a clear markup. No guessing.

Real Savings Examples

• Processing $30K/month? A 0.5% rate cut saves $1,800/year
• Typical savings when switching: 20–40% of total fees
• Annual savings often reach $3,000–$10,000+

Eliminate Fees Entirely

Our cash discount program lets you pass processing costs to card users. Cash customers get a discount. Card customers pay the listed price. It's legal in all 50 states.

• Configured on your terminal by our team
• No ongoing management needed
• Redirect savings into payroll, marketing, or growth

The right POS system speeds up checkout, cuts admin time, and gives you real business insights. We carry the top brands.

Clover POS

• Options from mobile (Clover Go) to full station (Clover Station)
• App marketplace for loyalty, inventory, scheduling, and more
• Cloud dashboard — manage sales and reports from anywhere

PAX Technology

• Reliable, fast, and affordable
• PAX A920 and A920Pro — Android-based smart terminals
• Great for businesses that want a solid terminal without a full POS overhead

Dejavoo

• Compact, durable, and fast
• Handles high-volume periods without slowing down
• Supports chip, tap, and swipe payments

Not Sure Which to Pick?

Our team reviews your volume, workflow, features, and budget. We recommend the best fit. Every terminal ships pre-configured with free setup and training. Browse all POS systems →

Most contractors & home services business owners lose money on payment processing because of avoidable mistakes. Here are the most common ones we see and how to fix them.

Staying on Flat-Rate Pricing Too Long

Flat-rate processors like Square and Stripe charge a single rate on every transaction, typically 2.6 percent plus 10 cents for card-present transactions. This is convenient but expensive. Once you process more than about $5,000 per month, interchange-plus pricing almost always saves money. The more you process, the bigger the gap.

Ignoring Your Processing Statement

Your monthly statement tells you exactly what you are paying. Most merchants never read it. Look for your effective rate by dividing total fees by total volume. If the number is above 2.5 percent for card-present transactions, you are likely overpaying. Unison clients typically achieve effective rates between 1.5 and 2.2 percent.

Not Using EMV Chip Readers

If a customer uses a chip card and you swipe instead of dip, you are liable for any fraud on that transaction. EMV chip readers also qualify transactions for lower interchange rates. Every terminal we provide supports chip, tap, and swipe payments.

Overlooking PCI Compliance

PCI compliance is required for every business that accepts cards. Non-compliance fees range from $20 to $100 per month. A data breach can cost $5,000 to $100,000 or more. Our PCI-certified terminals and guided compliance questionnaire make certification straightforward.

Signing Long-Term Contracts

Many processors lock merchants into 3-year contracts with early termination fees of $300 to $500. We do not require long-term contracts. Process month to month. If you are not happy, you can leave at any time without penalty.

Unison Payment Solutions has worked with hundreds of contractors & home services businesses across the United States. We understand the specific challenges, compliance requirements, and payment workflows that contractors & home services merchants face every day. Our goal is simple: give you the lowest possible rates, the best hardware, and support from someone who actually knows your industry.

Unlike aggregators that treat every business the same, we build custom solutions. Your pricing is based on your actual transaction data. Your terminal is configured for your menu, your tax rates, and your workflow. Your account manager works with contractors & home services merchants regularly and can answer questions specific to your business.

Whether you are opening your first location, switching from another processor, or expanding to multiple sites, we make the process straightforward. Apply in minutes. Get approved quickly. Start saving from your very first batch.

Ready to see how much you could save? Request a free statement analysis or use our savings calculator to estimate your potential savings right now.