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Payment fees · Housecall Pro

Housecall Pro card processing fees, in dollars per invoice

Housecall Pro takes 2.59% of a standard card payment swiped, tapped or chipped in person, 2.99% when the customer pays an invoice online, and 3.49% when the card is keyed in, scanned or charged on file, and on any American Express or business card. Bank payments (ACH) cost 1%. On a $500 invoice that is $12.95, $14.95, $17.45 or $5. Instant payout (Instapay) adds 1%. The rates are percentages only, with no fixed fee per transaction listed. From Housecall Pro's help center (article dated July 20, 2026), read October 31, 2026 from the US.

By the AppForeman desk · Published Oct 31, 2026

What each payment costs you

How the customer paysFee$150$500$2,000Payout
Standard card, in person (card reader or Tap to Pay)2.59%$3.89$12.95$51.802 business days
Standard card, paid online by the customer from an invoice2.99%$4.49$14.95$59.802 business days
Standard card keyed in by staff, scanned in the app, or on file3.49%$5.24$17.45$69.802 business days
American Express, and commercial, corporate or business cards (any method)3.49%$5.24$17.45$69.802 business days
ACH bank transfer1%$1.50$5.00$20.001-2 business days (some up to 7)
PayPal or Venmo, from an invoice2.99%$4.49$14.95$59.802 business days
PayPal Pay Later or Klarna (buy now, pay later)4.99%$7.49$24.95$99.802 business days
Consumer financingfrom 3.9%from $5.85from $19.50from $78.00Varies
Mobile check depositFree$0$0$01-4 business days
 Columns $150, $500 and $2,000 = the fee on an invoice of that size. Fees as Housecall Pro's help center lists them; dollar amounts are our arithmetic, rounded to the cent. Fees are taken before the deposit reaches your bank. Instapay (instant payout) adds 1% to card payments and to eligible ACH payments. Your first payout can take up to 7 business days.

Source: Housecall Pro help center: Payment Processing Options, dated July 20, 2026, read Oct 31, 2026 from a US connection. Housecall Pro's pricing page says "Card processing rates as low as 2.59%" (read the same day).

Three things that change the rate

  • How the card reaches Housecall Pro. The same Visa costs 2.59% tapped on a reader, 2.99% paid online from an invoice and 3.49% typed in by your office or charged on file. Recurring work billed to a saved card pays the highest standard rate.
  • The card itself. American Express and commercial, corporate or business cards are 3.49% however they're paid. A business customer paying online with a company card pays 3.49%, not 2.99%.
  • Getting paid today. Instapay adds 1% to card and eligible bank payments. A $500 online card payment paid out instantly costs $19.95 instead of $14.95.

Other payment costs Housecall Pro lists

  • Tap to Pay on Mobile: $5 a month for each phone that takes a Tap to Pay payment in the billing cycle, on top of the 2.59% (help center, Getting Started with Tap to Pay on Mobile, Jan 21, 2026). Three techs using it in a month: $15.
  • ACH: the ACH FAQ (Jan 21, 2026) gives "a standard 1% fee" and adds that "the fee may vary based on your specific plan."
  • Card readers: sold separately in the account (My Money, then Card Reader); the article gives no price.
  • Surcharging: Housecall Pro lets you pass a surcharge of up to 3% on credit cards (not debit) to customers where state rules allow. Its FAQ lists surcharging as not available in Connecticut, Maine, Massachusetts and New York, and a 2% cap in Oklahoma. Housecall Pro charges 0.50% on each surcharged credit card transaction (Credit Card Surcharging FAQ, Sep 25, 2026).

What card fees add to a month

Past about $6,300 a month in online card payments, the fees cost more than the Essentials plan itself. If customers pay online from invoices at 2.99%:

Paid by card in a monthOnline card fees (2.99%)If paid by ACH (1%)Essentials plan, month to month
$5,000$149.50$50$189
$20,000$598$200$189
$50,000$1,495$500$189
 Our arithmetic from the rates above. Essentials (up to 5 users) at its regular month-to-month price; $149 a month billed annually. Plan prices: Housecall Pro pricing.

Questions

What is Housecall Pro's credit card processing fee?

2.59% in person, 2.99% online from an invoice, 3.49% keyed in or on file, and 3.49% for American Express and business cards by any method. No fixed per-transaction fee is listed.

Is the fee the same on every plan?

The processing-options article gives one set of rates with no plan differences. The ACH FAQ says the 1% ACH fee "may vary based on your specific plan".

Can I use my own card processor instead?

Yes, but not inside Housecall Pro. Its help center says you aren't required to use its processor (it partners with Stripe), and that "You cannot use the credit card option in our system if you do not use our payment processor." (Do I have to use Stripe to process credit cards?, Jan 21, 2026.)

How fast is the money paid out?

Card payments in 2 business days, ACH in 1-2 (some up to 7), mobile check deposits in 1-4, or instantly with Instapay for 1% more. The first payout can take up to 7 business days.

Compare the subscription itself: Housecall Pro pricing · Jobber vs Housecall Pro · card fees for every tool in the price index.

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