Say no and create friction with a happy customer. Say yes through a phone-app reader and hand over 2.6–3.5% of a big ticket — then pray the app's algorithm doesn't freeze a deposit that size. Field businesses deserve a real answer.
Consumer card apps are tuned for coffee money. A $6,000 invoice trips their risk models constantly — funds held for weeks exactly when you've just paid for materials.
2.9% on a $40 sale is a quarter. On a $6,000 job it's $174 — for the same swipe. High-ticket businesses are precisely who flat-rate pricing exploits most.
Avoiding card fees by mailing invoices trades 3% for 30–60 days of chasing checks. Cash flow pays the crews; net-45 doesn't.
A contractor doing $80k/month in card-paid jobs at flat rates pays roughly $28k a year in processing — when matched interchange-plus pricing on large card-present tickets could cut that dramatically. Meanwhile, every payment taken on-site at job completion instead of invoiced is 30–45 days of float recovered. The right setup attacks both numbers at once.
The core fix is underwriting: an account approved up front for your average ticket and monthly volume, so a $6,000 charge is an expected Tuesday instead of an anomaly. No frozen deposits, no nervous algorithms — the processor already knows what your business looks like.
Pricing follows: large tickets on interchange-plus pricing cost meaningfully less per dollar than flat-rate, and field-friendly options — mobile terminals, text-to-pay links, virtual terminals for phone payments, stored cards for repeat customers and progress billing — fit how trades actually collect.
We match contractors, HVAC, plumbing, electrical, landscaping, and mobile services with processors who like the category. Many do — trades have great fundamentals: real businesses, real invoices, low fraud. You're a better customer than the app readers ever told you.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
Modern options are genuinely good: LTE-connected mobile terminals, phone tap-to-pay with proper merchant accounts behind it, and text-to-pay links the customer pays on their own phone — no hardware at all. We'll match the mix to how your jobs close.
In most states yes, through compliant surcharging or service-fee programs — rules vary and signage/disclosure matters. Several of our processors automate the compliance. For big-ticket trades this often makes card acceptance nearly free; we'll tell you what's legal where you work.
Yes — tell us in the survey. Future-delivery exposure affects underwriting, and the right processor for staged payments (with stored-card support for draws) differs from one-and-done job pricing. It's all placeable; it just needs matching.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Three minutes on your trade, ticket size, and how you collect. We'll line up an account built for big on-site payments — priced like the low-risk business you actually are.
Fix My Field Payments