Accept Payments on Any Job Site in NC
Mobile payment processing that works in crawlspaces, on rooftops, and everywhere in between. No WiFi. No hassle. Next-day funding.
Free · No contracts · No pressure
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The Contractor Problem
You're Losing Money Every Day
Contractors work on margins. A typical contractor processing $30,000 per month in card payments pays $810 to $900 per month to their current processor — that's $9,720 to $10,800 per year. Most of that money just disappears.
You can't avoid card payments anymore. Customers expect to pay by card, especially for larger invoices. But every card transaction costs you percentage points you can't afford to lose.
Meanwhile, chasing checks and cash slows down your cash flow, and invoices that should have been paid last week are still sitting in your inbox.
Real Numbers
Monthly Card Volume
$30,000
Standard Processor Fee (2.7%)
$810/mo
$9,720/year
Total Pay Solutions (3.3% avg)
$100/mo
$1,200/year
Annual Savings
$8,520/year
Accept Payments Anywhere — No WiFi Required
Our Clover Flex and Clover Go devices use 4G LTE cellular connectivity. That means you can accept cards on a rooftop in Raleigh, in a basement in Charlotte, or at a remote job site in the mountains. No WiFi. No limitations.
Clover Flex
7-inch Android tablet. Full POS system on-site. Process payments, send digital invoices, print receipts, and manage your day entirely from your phone or tablet.
Clover Go
Handheld card reader that plugs into your smartphone. Lightweight, pocket-sized, perfect for accepting tap/swipe payments on the job.
4G LTE Everywhere
Both devices use cellular data. No WiFi required. Coverage works across NC, SC, and VA. You're never without processing capability.
Cash Discount — Your Customers Prefer It Anyway
Here's a fact about contractors: your customers often want to pay cash or check. Cash discount programs work exceptionally well in the trades because it aligns with customer preference.
Here's how it works: You list your price. Customers who pay by card pay a small service fee (typically 3.99%). Customers who pay by check or cash pay your listed price. Simple. Transparent. And most of your customers won't mind because they already want to pay by check or cash.
The result: Lower effective processing costs, faster cash in hand, and happier customers who feel they're getting a fair deal.
Learn more about our cash discount program and how it works for contractor businesses.
Contractor Types We Serve
HVAC
Heating, ventilation, air conditioning. High-ticket jobs, seasonal variations, multiple technicians.
Plumbing
Service calls, repairs, renovations. Invoicing on-site, invoice financing for big projects.
Electrical
Wiring, upgrades, emergency repairs. Mobile processing for distributed job sites.
Landscaping
Lawn care, hardscape, seasonal work. Recurring billing for maintenance contracts.
General Contractor
Multi-phase projects, large invoices, multiple vendor payments, customer financing.
Cleaning Services
Residential and commercial. Route-based operations, digital invoicing, recurring billing.
Why Contractors Choose Total Payment Solutions
Accept Cards Anywhere
4G LTE connectivity means you never lose a sale because you can't process payment on-site. Job site, office, truck — you're ready to accept cards everywhere.
Next-Day Funding
Complete a big job on Friday? Your funds are in your bank account Monday morning. Fast cash flow means you can pay suppliers and employees faster.
Digital Invoicing
Send professional invoices directly from Clover via email or text. Track which invoices are paid, which are pending. No more chasing checks.
Multi-User Access
Add multiple employee profiles to your Clover account. Each technician gets their own login while all transactions report to your central dashboard.
Lowest Rates for Contractors
Our $100/month guarantee means you'll pay significantly less than standard processors, especially on high-ticket jobs where percentage fees kill your margin.
24/7 Local Support
When you have a question or problem, you reach a real person in NC, not an automated phone tree. Same-day support, no gatekeeping.
What Contractor Owners Say
"We switched to Total Payment Solutions because we were bleeding money to our old processor. On our $35,000 monthly volume, we're now saving over $700 a month. That's real money for a contractor business. Plus, accepting cards on job sites has actually increased our payment collection rate."
"The mobile capability is a game-changer. My techs can now process payments on the job instead of sending invoices that sit for two weeks. Our cash flow improved immediately, and we went from collecting 80% of invoices in 30 days to over 95%. The support team is fantastic too — no middleman, just real help."
Frequently Asked Questions
Can I accept payments at the job site without WiFi?
Yes. Our Clover Flex and Clover Go devices use 4G LTE cellular connectivity, so you can accept cards anywhere in NC — on a rooftop, in a crawlspace, or at a remote job site. No WiFi required. If you're in an area with weak cellular signal (rare), the device caches the transaction and processes it once signal returns.
How does cash discount work for large contractor invoices?
The same 3.99% service fee applies regardless of ticket size. On a $10,000 job, the service fee is $399 — shown clearly on the customer's receipt. Customers who pay by check or cash pay your listed price. Most contractor customers have no issue with this because many prefer paying by check anyway. It's transparent and fair.
Can I send digital invoices from my phone?
Yes. With Clover, you can send professional digital invoices via email or text directly from your phone or tablet, collect payments online, and track which invoices are paid vs. outstanding. No more chasing checks or wondering if an invoice got lost in someone's inbox. You can follow up on overdue invoices with a single tap.
How quickly do I receive funds after a job?
Funds deposit to your bank account as fast as the next business day. For a large job completed on Friday, you'll have the funds Monday morning. This fast cash flow is huge for contractors — you can pay your suppliers and crew faster, which strengthens relationships and improves your purchasing power.
Can I run multiple technicians on the same account?
Yes. You can add multiple employee profiles to your Clover account, giving each technician their own login while all transactions report to your central dashboard. This means you maintain full visibility into your business while empowering your team to process payments independently.
Ready to Stop Losing Money to Processing Fees?
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