Whether you’re fixing roofs, wiring homes, installing HVAC systems, or managing home renovations, getting paid should be the easiest part of your job. At Vector Payments, we help contractors and independent specialists simplify their billing, reduce processing costs, and get paid faster – on-site, online, or wherever the job takes them. Our contractor-focused merchant accounts are designed to support the pace and complexity of your work without locking you into complicated contracts or inflated fees.
Key Summary
Vector Payments offers custom solutions for contractors and tradespeople who need fast, mobile-friendly payment processing and low-cost merchant accounts. With wireless terminals, virtual terminals and invoicing tools, and zero cost transaction fee options, we make it easier for specialists to get paid and keep cash flowing.
Why Contractors Need Flexible Payment Tools
Your day doesn’t happen behind a desk – and your payment system shouldn’t either. Whether you’re collecting deposits, accepting final payments, or charging by the hour, your business depends on flexibility. That’s why we offer payment processing that works on the job site, integrates with mobile devices, and gives your clients multiple ways to pay – without delays or confusion.
Solutions Designed for Contractors & Specialists
Wireless Mobile Terminals
Accept tap, chip, or swipe payments directly at the job site. Our wireless mobile terminals make it easy to complete transactions in the field without relying on back-office invoicing or cash-only workarounds.
Virtual Invoicing and Remote Payments
Send invoices directly from your phone or laptop and let customers pay via secure links, ACH, or card. Perfect for contractors who offer estimates remotely or manage multiple job sites.
POS Solutions for additional value added services
If you run a service hub, showroom, or office, our POS systems help track jobs, materials, and transactions in one place – streamlining operations and saving time.
Easy-to-Open Merchant Accounts
We help you get approved quickly for a contractors & specialists merchant account with no hidden fees or complicated setup. Whether you’re an independent electrician or part of a growing construction firm, we’ll tailor a solution to your workflow and payment habits.
0% Processing Fee Options
Tired of losing a cut of every job to processing fees? Our compliant dual pricing and surcharging models let you pass card fees onto your customers – so you keep 100% of each sale. This fully compliant option is ideal for specialists with high-ticket invoices or frequent card transactions. We’ll help you implement this in a way that’s transparent and easy for clients to understand.
Industries We Serve
We work with all types of contractors and home service professionals, including:
- General contractors
- Electricians
- Plumbers
- Roofers
- HVAC specialists
- Landscapers
- Remodelers and renovators
- Painters and drywall pros
- Handymen and specialty trades
Why Vector Payments?
We’re not just another processor – we’re your partner in simplifying payments. Our support team understands your industry and helps you make smarter choices about how you accept payments. From invoicing to on-site transactions, we help contractors and specialists cut costs, improve cash flow, and get back to what they do best: the job at hand.
Want to explore a 0% processing model or upgrade your payment system? Contact us for a no-pressure consultation and let’s build your ideal setup.
Start Your Application NowFrequently Asked Questions
What is a contractors & specialists merchant account?
It’s a merchant account designed for tradespeople, allowing you to accept credit card, debit card, and mobile payments in the field or remotely. These accounts support flexible invoicing, mobile terminals, and fast deposits.
Can I accept payments at a job site?
Yes. With our wireless mobile terminals, you can accept secure payments anywhere your work takes you – from a client’s driveway to a construction site.
What’s the benefit of a 0% processing fee setup?
Our dual pricing and surcharging models let you pass card fees to your customers. That means you collect 100% of your invoice total – helping protect your margins without raising your listed prices.
Do I need a physical location to qualify?
No. We work with mobile, remote, and home-based contractors. As long as you have a valid business and meet basic underwriting requirements, we can help you get approved.
How do I get started with Vector Payments?
Contact us and we’ll walk you through your approval, setup, and the tools that best fit your contracting business.