For roofers
Payments for roofing companies, on your own merchant account.
A roof is one of the largest invoices a homeowner pays by card or bank. On built-in payments, the fee grows with every square.
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 roofers, that shows up here:
Five-figure invoices
At a flat 2.9% or more, one roof can cost hundreds in card fees.
Deposits and final payments
Material deposits and final invoices are each charged the full rate.
Bank payments on large invoices
When the balance comes by bank, 1% of a large invoice is a real number.
The math
One example: a $15,000 roof replacement.
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 | $435.30 | about $337.50 |
| Bank payment | $150.00 | a few dollars |
About $97.80 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.
Deposits
Charge the deposit against the invoice the day the contract is signed.
Final payment
When the job is done, email a pay link from the merchant portal on your phone. The customer pays by card or bank on your branded page.
In the office
Every payment is recorded on its invoice, with the deposit and fees in the merchant portal.
FAQ
Questions.
Can homeowners pay by bank?
Yes. Bank payments (ACH) on your own merchant account usually cost a flat few dollars, which matters most on large invoices.
Is it cheaper on every job?
Not always: below about $43,000 a year in cards, account fees can eat the difference. On large invoices the gap is usually clear.
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.