Pay-by-ACH

• 0.8% fee, capped at $5 per transaction
• Same-day ACH available on Growth+ for an extra $1.50
• NACHA-compliant return code handling
• Auto-retry on R01 (insufficient funds), auto-block on R10 (customer disputed)
• Bank-account verification by Plaid or micro-deposit

Pay-by-card

• 2.9% + 30¢ per transaction
• Owner can pay direct on small jobs to skip the GC delay
• Card not present, with 3-D Secure
• Saved payment methods for repeat customers

Check imaging

• Mobile capture of a paper check from the field
• Auto-deposit to your bank via ACH
• $0.40 per check (Growth+)
• Audit trail with check image stored encrypted

Invoice factoring

• Optional, opt-in — pick which approved pay-apps to factor
• 1–3% of invoice value, depending on creditworthiness of GC
• Funds typically in 24 hours
• Non-recourse on Scale+ (we eat the GC default risk)
• No long-term factoring contract — pay only when you use it

Reconciliation

• Auto-match incoming payment to the right pay-app
• Partial payments allocated by GC, by job, by line item
• Bank-feed sync to your accounting GL (QB / Xero / Sage / Viewpoint)
• Daily settlement report with fees broken out for tax purposes

No platform fee on top

Subscription is for the platform. Payment processing is at cost. We don't add a markup on top of ACH or card fees. The published numbers are what you pay.