Melio
Free / freemiumFree bill payment with card-funded options
Best for: Contractors managing supplier and subcontractor payments who want cash timing flexibility
The processing engine behind most contractor software
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.
Businesses wanting transparent rates, recurring billing, or a custom payment flow
Support is documentation-led rather than phone-led, and account reviews can freeze funds without much warning if your volume pattern changes suddenly.
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.
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.
Other tools solving the same problem, for a similar kind of business.
Free bill payment with card-funded options
Best for: Contractors managing supplier and subcontractor payments who want cash timing flexibility
Card and ACH acceptance that reconciles itself in QuickBooks
Best for: Any contractor already running QuickBooks who wants reconciliation to stop being a chore
Simple card acceptance with free hardware to start
Best for: New and small contractors who need to accept payment immediately
Transparent consumer financing embedded in contractor software
Best for: Service contractors who want to raise average ticket without a financing department
Lender marketplace with no dealer fee on many offers
Best for: Contractors who want to offer financing while protecting margin
Material financing to bridge the pay-when-paid gap
Best for: Subcontractors whose growth is limited by material cash flow, not sales
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