Stripe

The processing engine behind most contractor software

Visit Stripe โ†’
Price band Pay per use
Rough cost Roughly 2.9% plus 30 cents per card transaction, with ACH options
Company size Any size
Category Payments

What Stripe is

Stripe is the payment infrastructure most field service platforms use under the hood, and it can also be used directly for payment links, stored cards, recurring subscriptions, and invoicing. Transparent pricing and excellent reliability, with the caveat that it is built for developers first.

Best for

Businesses wanting transparent rates, recurring billing, or a custom payment flow

Watch out

Support is documentation-led rather than phone-led, and account reviews can freeze funds without much warning if your volume pattern changes suddenly.

What it does well

  • Transparent published pricing
  • Excellent recurring billing and stored cards
  • Highly reliable and widely integrated
  • Payment links with no development needed

Integrates with

Most field service platforms ยท QuickBooks ยท Xero

Integration lists change often and "integrates" can mean anything from a real two-way sync to a one-way push through Zapier. Ask the vendor which fields move, in which direction, and how often.

Before you commit

  • Compare total effective rate, not headline rate: interchange, assessment, platform markup, and chargeback handling.
  • Surcharging rules vary by state and card network. Get the compliance answer in writing.
  • For financing, know who pays the dealer fee and how it affects your margin on a promotional plan.
  • Check approval rates across credit tiers โ€” a lender that only approves prime leaves money on the table.
  • Make sure deposits and progress payments are supported, not just pay-in-full invoices.

How to judge it in a trial

Run one real job through it end to end โ€” not the demo data. Quote it, schedule it, do it, invoice it, take the payment. Then ask the only question that matters on day 400: did the people who have to use this every day find it faster than what they do now? Friction you notice in week one compounds forever, and tool-hopping costs more than any feature gap.

Compare

Alternatives to Stripe

Other tools solving the same problem, for a similar kind of business.

Melio

Free / freemium

Free bill payment with card-funded options

Any size

Best for: Contractors managing supplier and subcontractor payments who want cash timing flexibility

QuickBooks Payments

Pay per use

Card and ACH acceptance that reconciles itself in QuickBooks

Any size

Best for: Any contractor already running QuickBooks who wants reconciliation to stop being a chore

Square

Pay per use

Simple card acceptance with free hardware to start

Solo to ~20 staff

Best for: New and small contractors who need to accept payment immediately

Wisetack

Pay per use

Transparent consumer financing embedded in contractor software

Any size

Best for: Service contractors who want to raise average ticket without a financing department

Acorn Finance

Free / freemium

Lender marketplace with no dealer fee on many offers

Any size

Best for: Contractors who want to offer financing while protecting margin

Billd

Pay per use

Material financing to bridge the pay-when-paid gap

Commercial subs, $500K+ revenue

Best for: Subcontractors whose growth is limited by material cash flow, not sales

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