Field service software
Housecall Pro Payments fees in 2026: what you actually pay
Updated · Checked against primary sources
The short answer
Housecall Pro charges 2.59% for cards tapped, dipped or swiped in the field, 2.99% when the customer pays a digital invoice online, and 3.49% for keyed cards, cards on file, American Express and all business cards. ACH is a standard 1%. Instapay instant payouts add 1%, plus 75 cents on transactions under $75. Software starts at $59 a month billed annually.
Home service businesses such as HVAC, plumbing, electrical and cleaning companies that run jobs and invoices in Housecall Pro.
Housecall Pro Payments rates
| Payment type | Published rate |
|---|---|
| In person (tap, dip, swipe) | 2.59% |
| Online or invoice link | 2.99% |
| Keyed in | 3.49% |
| American Express and commercial, corporate and business cards (any method) | 3.49% |
| PayPal and Venmo via invoice | 2.99% |
| PayPal Pay Later | 4.99% |
| Klarna | 4.99% |
| Consumer financing (starting at) | 3.9% |
| ACH / bank transfer | 1%, no published cap |
| Instant payout | Instapay: 1% plus the normal processing fee, with an extra $0.75 on transactions under $75 |
What Housecall Pro Payments costs on your volume
Fee calculator
On Housecall Pro Payments: $1,036 a month, $12,432 a year (2.59% effective on cards).
| Same volume on | Monthly | Yearly |
|---|---|---|
| Housecall Pro Payments | $1,036 | $12,432 |
| Jobber Payments | $1,107 | $13,280 |
Uses each provider's published headline card rate and ACH terms only. Monthly software, hardware and per-feature fees are listed separately below and are not included.
Monthly and other fees
| Fee | Amount |
|---|---|
| Basic (1 user) | $59/month billed annually, or $79/month monthly |
| Essentials (5 users) | $149/month billed annually, or $189/month monthly |
| Max (8 users) | $299/month billed annually, or $329/month monthly; $35/month per additional user |
| Mobile check deposit | Free |
Housecall Pro Payments fee traps to check
- American Express and every commercial, corporate or business card is billed at 3.49% however it is paid, which hits commercial and property-manager work hardest.
- The advertised "as low as 2.59%" applies only to standard cards taken in person; the same card paid on an emailed invoice is 2.99%.
- ACH is 1% with no published cap, and Housecall Pro says the fee may vary by plan.
- Instapay adds 1% to card and ACH payouts, and an extra $0.75 on any transaction under $75.
- ACH refunds must be started within 90 days of the payment and cannot be issued after that.
How to lower your Housecall Pro Payments fees
- Tap or dip cards on site (2.59%) instead of keying them or saving them on file (3.49%).
- Push large residential finals to ACH, and for commercial clients paying with business cards, ask for ACH or check to avoid 3.49%.
- Deposit paper checks through the free mobile check deposit rather than asking customers to switch to cards.
- Leave Instapay off for large payments; on a $10,000 job it adds $100.
Can you pass the fee to customers?
Unclear. Housecall Pro's pricing and payments help pages do not describe a surcharge feature. A June 2026 PR Newswire release from Yeeld (a third party, not Housecall Pro) says Yeeld partnered with Housecall Pro on surcharging; confirm availability with Housecall Pro.
Contract and cancellation
No long-term contracts, per Housecall Pro's pricing FAQ. Downgrades take effect at the end of the current billing period.
Housecall Pro Payments vs other field service software options
| Provider | In person | Online | ACH |
|---|---|---|---|
| Housecall Pro Payments | 2.59% | 2.99% | 1%, no published cap |
| Jobber Payments | 2.7% + 30¢ | 2.9% + 30¢ | 1%, no published cap |
| ServiceTitan Payments | Not published | Not published | Not published |
Compare fees
- Field service softwareJobber Payments fees2.7% + 30¢ headline rate
- Field service softwareServiceTitan Payments feesNot published headline rate
Frequently asked questions
- What are Housecall Pro's credit card processing fees?
- 2.59% for standard cards in person, 2.99% when the customer pays an invoice online, and 3.49% for keyed cards, cards on file, Amex and all business cards. There is no per-transaction fixed fee listed.
- How much does Housecall Pro charge for ACH?
- A standard 1% per transaction, which Housecall Pro says may vary by plan. No cap is published, and most ACH payments take about 2 business days, sometimes up to 7.
- What does Instapay cost?
- 1% on top of the standard card or ACH processing fee, plus $0.75 extra on transactions under $75. There is a $50,000 per-transaction limit in the US and a $100,000 daily limit.
- Does Housecall Pro require a contract?
- No. Housecall Pro's FAQ says it does not require long-term contracts, and annual billing is optional. Annual billing lowers Basic from $79 to $59 a month.
Where Pavado comes in
How Pavado finds the money your business is leaking
Want Housecall Pro Payments's charges checked against your own agreement? Pavado reviews statement and contract exports, then returns a written list of potential overpayments and questions for your provider. No account logins needed.
Send us the statements, contracts and bills you already have. We read the lines nobody reads and come back with a written list of what you are overpaying, what is about to renew and what you are owed.
- Fees you are overpaying. Processor, bank and platform charges checked line by line against what you agreed to.
- Contracts before they renew. Every renewal date and notice window we can see, so you can leave or renegotiate in time.
- Bills worth disputing. Insurance audit bills and lead charges with a dispute or credit window still open.
- Money you are owed. Unpaid invoices and holdback sorted by age and by the deadline that protects them.
- 1.Tell us what you pay for and send exports, not logins.
- 2.A person replies within one business day with what we need.
- 3.You get a written list: each item, what it looks to be worth and who acts on it.
The first conversation and a scoped proposal are free, and we will tell you early if we are not the right fit.
Go deeper
- GuideBest Payment Processing for Contractors: 8 ComparedCompare 8 contractor payment processors on large-invoice fees, ACH caps and workflow. Check the full cost before switching, or request a free fee review.
- GuideJobber vs Housecall Pro 2026: Price and FeesJobber charges 2.9% + 30 cents online; Housecall Pro lists six card rates up to 3.49%. The true Jobber vs Housecall Pro cost for a 3-truck shop.
- GuideShould I Accept Credit Cards as a Contractor?At a 10% net margin, a 3% card fee eats roughly 30% of the profit on the job. Here is the math, the rules in Canada and the US, and when to say no.
- GuideHearth vs GreenSky: What the Rate Sheet ShowsA real GreenSky rate sheet runs 5.85% to 33.6% per loan. Hearth charges a flat $1,499 to $6,000 a year. Who pays what, when you get paid, and who wins.
Sources
- Housecall Pro: Pricing
- Housecall Pro Help: Payment processing options (rate table)
- Housecall Pro Help: ACH payments FAQ
- Housecall Pro Help: Instapay FAQ
- PR Newswire (third party): Yeeld launches inside Vanilla, mentions Housecall Pro partnership
Cite this page
Pavado, “Housecall Pro Payments Fees 2026”, https://www.pavadotech.com/fees/housecall-pro-payments, updated 2026-09-24.