For home inspectors
Payments for home inspectors, on your own merchant account.
If clients pay online before you release the report, that's a card payment on every job, invoiced from the software you already use.
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 home inspectors, that shows up here:
A payment on every job
When each inspection is paid online, the fee is paid on every one.
Per-payment fees
A fixed fee on each payment matters more when tickets are a few hundred dollars.
Bank payments
Flat or percentage bank fees on built-in payments vary; your own account usually charges a few dollars.
The math
One example: a $450 home inspection.
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 | $13.35 | about $10.13 |
| Bank payment | $4.50 | about the same at this size |
About $3.22 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.
Before the inspection
Email a pay link from the invoice. The client pays on your branded page.
Agents and clients
Receipts carry your name and logo, and unpaid links get reminders.
In the office
Payments are recorded on their invoices, and the portal shows each deposit.
FAQ
Questions.
Is it worth it on smaller tickets?
It depends on volume. Below about $43,000 a year in cards, account fees can eat the difference. A statement review shows which side you're on.
Can clients pay online before the report?
Yes. Email a pay link from the invoice. When it's paid, the payment is recorded on that invoice.
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.