For cleaning companies
Payments for cleaning companies, on your own merchant account.
Recurring residential cleans and commercial contracts are invoiced week after week. The fee on each payment is where your own merchant account makes the difference.
Where the fees go
Built-in payments typically charge 2.9–3.5% per card and 1% per bank payment.
Your own merchant account typically runs about 2.1–2.4% on cards all in, and a few dollars per bank payment (published rates and sources). For cleaning companies, that shows up here:
Every visit pays the rate
Recurring cleans mean the built-in percentage is charged on every visit.
Commercial contracts
Monthly janitorial invoices paid by bank are typically charged 1% on built-in payments.
Cards on file
Saved cards usually live with the built-in processor, which makes leaving harder.
The math
One example: a $1,200 monthly janitorial invoice.
Illustrative. The built-in rate is a common published one, 2.9% + 30¢ (sources). 2.25% is the middle of what a small business typically pays all in on its own merchant account (Merchant Cost Consulting). Your rate depends on your cards and your account.
| Paid by | Built-in | Own account |
|---|---|---|
| Card | $35.10 | about $27.00 |
| Bank payment | $12.00 | a few dollars |
About $8.10 less on this card payment. It isn't always cheaper: below about $43,000 a year in cards, account fees can eat the difference, and a mix heavy in Amex or business cards costs more anywhere. Estimate yours
How it works in your day
Same software, same invoices. A Pay button on each one.
SwitchKeep Pay runs in Chrome beside the software you already invoice from. It reads the open invoice, takes the payment on your own merchant account and records it on that invoice. Nothing else in your software changes.
Recurring clients
Charge saved cards on a schedule, with each client's consent on record.
Commercial accounts
Take bank payments for monthly invoices, usually a flat few dollars each.
In the office
Every payment is recorded on its invoice, and the portal shows each deposit.
FAQ
Questions.
Can I keep charging clients automatically?
Yes. Recurring charges and payment plans are set up per client, with their consent on record.
Will my clients notice the change?
They pay on a page with your name and logo. The way they get invoices doesn't change.
Do I have to change my software?
No. You keep your software, your customers and your invoices. SwitchKeep takes the payment and records it on the invoice.
What does SwitchKeep cost?
Nothing to use: the extension and the merchant portal are free, and you never get a bill from us. We're paid through a share of card processing.
See your own number.
Send a recent processing statement. We'll price the same month on your own merchant account, line by line.