Compare rates
What built-in payments publish, next to a merchant account.
Built-in payments typically charge 2.9–3.5% per card and 1% per bank payment. With your own merchant account, small businesses typically pay about 2.1–2.4% on cards and a few dollars per bank payment. Here are the published numbers, with where each one comes from.
Published built-in rates, as of October 20, 2026.
Each row compares like with like: card payments with card payments, bank payments with bank payments.
| Software | Cards, online or on an invoice | Other card rates | Bank (ACH) | Source |
|---|---|---|---|---|
| Jobber | 2.9% + 30¢ | Tap to Pay 2.7% + 30¢; instant payout +1% | 1% | Jobber pricing |
| Housecall Pro | 2.99% | Reader 2.59%; keyed, card on file, Amex or commercial 3.49%; Instapay +1% | 1% | Housecall Pro help, July 2026 |
| Clio Payments | 2.95% | Amex 3.5% (some Clio pages say 3.75%) | 1% (eCheck) | Clio comparison page |
| Zuper Pay | 3.2% | In person 2.9% | 1%, capped at $5 | Zuper Pay fees |
| Kickserv | 2.5–2.9% + 30¢, by plan | Discover and Amex +1.3% | Not published | Kickserv |
| Joist | As much as 3.49% + 49¢ (Joist's maximum) | – | 1% | Joist support, April 2024 rates |
| ServiceM8 (US) | 3.05% + 30¢ | – | Not published | ServiceM8 support, September 2024 |
| QuickBooks Payments | 2.99% | Keyed 3.5%; swiped 2.5%; instant payout 1.75% | 1% ($1 minimum) | QuickBooks Payments fees |
| ServiceTitan | Custom pricing, not published | ServiceTitan payments FAQ | ||
Rates change. Check the software's current pricing before you decide; we re-check these sources when we update this page. Every source was read on October 20, 2026. SwitchKeep is independent and isn't endorsed by any software named here.
What your own merchant account typically costs.
| Payment type | Typical cost | Source |
|---|---|---|
| Cards, all in | About 2.10–2.40% effective | Merchant Cost Consulting |
| Cards, negotiated | 1.7–2.2%, against 2.6–2.9% at flat-rate processors | Swipesum |
| Cards, the processor's markup | About 0.25% over interchange for retail, 0.35% for e-commerce | CardFellow |
| Bank (ACH) | 0.8%, capped at $5 (Stripe) | Stripe US bank debits |
Online and invoice card payments usually run about 0.1 points above the blended all-in range: the e-commerce markup is about 0.35%, against 0.25% for retail (CardFellow, above).
Third-party estimates, not SwitchKeep rates. Your rate depends on your cards, your industry and your processor.
An example, with the math shown.
Say you take $250,000 a year in cards. Built-in payments at about 2.96% effective, against a merchant account at about 2.25%, is a gap of about 0.7 points: roughly $1,750 a year before account fees, or about $1,450 after $300 a year of them.
Bank payments make the gap plainer. At 1%, a $5,000 job costs $50 to collect by bank. Through a merchant account it's usually a few dollars.
It isn't always cheaper. Below about $43,000 a year in cards, account fees can eat the difference. A mix heavy in Amex or business cards costs more anywhere, and some software caps its bank fee. A statement review shows which side of the line you're on.