The Math Nobody Tells You
What's really happening to your money between the job and your bank account.
The Small-Job Fee Multiplier
Handymen average 5--10 jobs per day, most between $75--$250. At a flat rate of 2.6%+ per transaction, a $150 job costs $4.00 in fees. Do that 200 days a year and you could be handing over $3,200--$8,000. That's a truck payment.*
Hidden Fees That Don't Show Up Until Month One
The visible rate is just the start. Monthly minimums, PCI compliance fees, batch fees, and other surcharges often aren't disclosed until your first statement. Your effective rate can be 4--5%, not the 2.6% you signed up for.
Opaque Pricing Hides the True Cost
Flat-rate processors bundle interchange fees, markups, and hidden surcharges into a single rate. Without transparency, you have no way of knowing how much you're actually overpaying on every transaction.
Cash-Only Is Costing You Customers
Going cash-only means losing 30--40% of customers who don't carry cash. But accepting cards at a padded flat rate is almost as bad. There's a middle ground — interchange-plus pricing — and most handymen don't know it exists.
What You're Paying vs. What You Should Be
Real numbers on common handyman job sizes.
*Estimates based on interchange-plus vs. flat-rate pricing. Actual savings vary by card type, volume, and business profile.
See Exactly What You Pay on Every Job
Transparent pricing means no surprises on your monthly statement — just fair rates on every transaction.
Example: The Fence Repair Savings
Customer pays $200 for a fence repair. With a flat-rate processor, you pay $5.30+ in fees. With ChargeAct interchange-plus pricing, you pay the actual card network cost plus a small markup — potentially saving 30--50% on that transaction.*
Do 5--10 jobs a day and those savings add up to thousands per year — money that stays in your pocket.
Rate Transparency
See the actual interchange cost on every transaction — no bundled rates hiding the markup.
Mobile Documentation
Capture signed work orders and photos from your phone at job completion.
Human Support
A real rep who understands contractor businesses — not an automated ticket system.
How ChargeAct Fixes It for Handymen
Everything a solo contractor needs. Nothing you don't.
Mobile Payments
Accept cards anywhere. Works on cell data. No WiFi required.
Fraud Protection
Flag suspicious transactions before they become a problem.
Credit Card Processing
Interchange-plus pricing — pay the actual cost, not a padded flat rate.
Digital Invoicing
Send invoices from the field. Every payment creates a complete record.
Retail Payments
Counter payments for your shop with modern POS hardware.
Digital Payments
Accept digital wallets and tap-to-pay with lower rates.
Set Up Between Jobs
Takes less time than driving to your next job.
Apply Online
5-minute form. No paperwork.
Same-Day Approval
Most handymen approved within hours.
Get Your Reader
Ships free. App is instant.
Charge Your Next Job
Accept cards on your next call.
Works With Your Tools
Sync payments with the software you already use.
Questions Handymen Actually Ask
Stop Overpaying on Every Job
Apply in minutes. No long contracts. A dedicated manager will set you up and help you start saving.
*Savings estimates are illustrative and based on interchange-plus vs. flat-rate pricing models. Actual savings depend on card types, transaction volume, and business profile.