SmartMoving vs. Supermove vs. MoveitPro: Payment Features Compared
See how SmartMoving, Supermove and MoveitPro handle moving company software payments: deposits, crew app charges, card on file and your own processor.
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On this page 7 sections
Key takeaways
- Moving payments happen in stages (deposit, move-day balance, storage), so your CRM must handle each one well.
- Card-present payments through the crew app usually cost less and hold up better in disputes than keyed entry after the job.
- Find out whether each platform requires its built-in processing or lets you connect your own merchant account through a supported gateway.
- Base your choice on your fleet size, move mix and storage revenue, and confirm current payment terms directly with each vendor.
Choosing between SmartMoving, Supermove and MoveitPro usually starts with estimates, dispatch and crew scheduling. Payments come up later. But moving company software payments affect every job you book, from the deposit on the website to the final balance at the destination door. This guide covers what to evaluate in each platform's payment setup: online deposits, crew app payments, card on file for balances and storage, and whether you can bring your own processor to control fees.
How to use this comparison: Software vendors change payment partners, pricing and features often, and we have not independently verified each platform's current payment terms. Treat this guide as a structured checklist. Then confirm every answer in a live demo and in writing before you sign.
Why Moving Company Software Payments Matter
A moving job is rarely a single transaction. A typical job collects money at several points:
- Booking deposit when the customer reserves a date, often online or over the phone.
- Move-day balance after the crew finishes, based on hours, weight, materials or add-ons like packing and shuttle service.
- Adjustments for extra stairs, long carries, bulky items or changes to the inventory.
- Recurring storage for customers whose belongings sit in your warehouse between pickup and delivery.
- Refunds or partial credits for cancellations or settled damage claims.
If your CRM handles each step cleanly, payments match jobs automatically, your office staff doesn't re-key card numbers, and you have a clear record when a customer disputes a charge. If it doesn't, you end up with spreadsheets, a separate terminal and gaps in your documentation.
Ticket sizes also vary widely. A local hourly apartment move is a modest charge. A long-distance household move with packing and storage is a large one. Card issuers and processors look more closely at large tickets, which makes the payment setup more important. Our guide to moving company credit card processing fees and MCC 4214 explains how big-ticket moves are priced.
Online Booking Deposits in Each Platform
Each platform should be able to take deposits in some form, but confirm how in the demo. Details like card saving, deposit rules and refunds vary from one setup to the next. In each demo, ask about:
| Deposit Feature | What Good Looks Like | Question to Ask in the Demo |
|---|---|---|
| Card capture at booking | Customer enters a card in a secure, branded form | Does the online booking flow charge the deposit, save the card, or both? |
| Deposit rules by job type | Different amounts for local, long-distance and storage jobs | Can I set deposit amounts or percentages per move type? |
| Fraud screening | Support for 3-D Secure or similar checks on online card entry | Is 3-D Secure available on deposit payments? |
| Refunds | One-click refund linked to the original job | Can office staff refund a deposit from the job record? |
| Phone bookings | Staff can take a card securely without writing it down | Is there a built-in virtual terminal for phone deposits? |
Deposits for interstate household goods moves can be subject to federal rules. Before you set amounts, read our breakdown of how much movers can collect as a deposit under FMCSA rules, and confirm the details with a transportation attorney or compliance advisor.
For online deposits, extra authentication can shift fraud liability on eligible transactions. MannyPay's 3D Secure authentication is one option if your booking flow runs through a gateway you control. For a broader look at the booking experience, see online booking for movers with instant quotes and card on file.
Crew App Payments on Move Day
Move day is where payment setups tend to break down. Your crew lead might be in a driveway, a freight elevator or on a rural road with weak signal, finishing a bill of lading while the customer waits. The crew app has to make collecting the balance simple.
What to Test in Each Crew App
- Card-present acceptance: Can the crew tap or dip a card with a connected reader, or can they only type the card number on a phone? Card-present transactions generally cost less and give you stronger evidence if the charge is disputed.
- Offline behavior: What happens when the signal drops? Does the app queue the payment, block it or tell the crew to call the office?
- Signature and documents together: Does the customer's signature on the final bill get attached to the same record as the payment?
- Crew permissions: Can you stop crew members from editing rates or applying discounts without office approval?
- Tips: Can customers add a tip on the device, and does the tip report correctly for payroll?
- Receipts: Are itemized receipts emailed or texted automatically?
Keyed Payments After the Job
Some movers let the crew leave and have the office key in the balance later. This works, but keyed transactions often cost more. They also lose the cardholder-present evidence that helps in disputes over damage or delays. If your CRM's crew app can't take card-present payments, a separate reader may be worth the extra step. Our roundup of the best credit card readers for movers covers hardware options, and MannyPay offers mobile card terminals for crews in the field.
Card on File for Final Balances and Storage
With a card on file, you can charge the final balance once weight tickets come in on a long-distance move, bill monthly storage, or settle overtime on an hourly local job, all without chasing the customer.
What a Sound Card-on-File Setup Includes
- Written authorization: The customer agrees to future charges, and the agreement states what you can charge and when. Card network rules generally expect you to get and keep a record of the cardholder's consent to store and charge a card. Confirm the current requirements with your processor.
- Tokenization: The CRM stores a secure token, never the raw card number. No one should ever type card numbers into a job note or comment field.
- Recurring billing for storage: Monthly charges run automatically, with clear notices and an easy way to update an expired card.
- Holds and authorizations: For hourly moves, ask whether the platform supports authorizing an estimated amount and capturing the final total. See our guide to card holds, minimums and final charges on hourly local moves.
Card-on-file charges are a frequent target of "I didn't authorize this" disputes. Keep the signed estimate, inventory, bill of lading and authorization form on the same record. The guide on winning damage and delay chargebacks shows how to put that evidence together.
Moving CRM Credit Card Integration: Built-In Processing vs. Bringing Your Own Processor
This question has the biggest long-term effect on cost. Moving software generally handles payments in one of two ways:
| Model | How It Works | Typical Trade-Offs |
|---|---|---|
| Built-in (embedded) processing | The software vendor provides payments through its own program or a processing partner | Simple setup and tight integration; pricing may be fixed and harder to negotiate; switching processors may mean losing features |
| Bring your own processor | You keep your own merchant account and connect it through a gateway the CRM supports | More control over rates and pricing programs; setup takes more work; feature depth depends on the integration |
Across the software market, some platforms offer both models and others require their built-in option. Some allow an outside processor but limit features, such as crew app payments or recurring storage billing, unless you use the built-in option. Don't assume which model applies to any of the three platforms here. Ask the vendor.
SmartMoving Payments: Questions to Ask
- Is payment processing built in, optional or required?
- If I use an outside processor, which gateways are supported, and do I keep online booking deposits, crew app payments and stored cards?
- Is pricing flat-rate, or can high-volume or high-ticket movers negotiate?
Supermove Payment Processing: Questions to Ask
- Which processor or partner handles payments today, and who is my contract with?
- Does the crew app support card-present readers, and which models?
- Are there platform fees on payments in addition to processing costs?
MoveitPro Payments: Questions to Ask
- Can I connect my existing merchant account, and through which gateway?
- How are storage accounts billed and reconciled?
- Can payment data sync to my accounting software without manual entry?
Why Your Own Processor Can Matter
With your own merchant account, you can shop rates, choose hardware and use pricing programs that your CRM's built-in option may not offer. If your CRM connects to a gateway such as Authorize.net or NMI, a provider like MannyPay may be able to set up a merchant account behind it. Compare MannyPay's payment gateway options and software integrations with the gateways your CRM supports.
Illustrative example only: Suppose a mover processes $100,000 a month and its effective rate falls by half a percentage point. It would pay about $500 less per month. Your actual numbers depend on your card mix, ticket size and pricing.
Programs like cash discount pricing or dual pricing only work if your CRM can display and calculate prices correctly on estimates, invoices and the crew app. Surcharging has its own card network rules and state restrictions. Read whether moving companies can charge a credit card fee before turning on surcharging where permitted, and confirm current rules with your processor and a qualified advisor.
Choosing the Right Platform for Your Fleet Size
There is no single best choice. Match the payment setup to how your company actually runs.
| Fleet Profile | Payment Priorities | What to Weigh |
|---|---|---|
| One or two trucks, mostly local | Fast setup, simple crew payments, low monthly overhead | Built-in processing may be convenient; compare total cost against your volume |
| Several crews, local and long-distance | Online deposits, card-present payments in the field, card on file for balances | Crew app reader support and the option to use your own processor |
| Multi-location with storage | Recurring storage billing, reconciliation across locations, chargeback evidence | Reporting, accounting sync and whether rates can be negotiated at your volume |
Before deciding, pull three months of processing statements. Note your effective rate, your average ticket and how many transactions are keyed versus card-present. Bring those numbers to each demo.
Next Steps
- Run the deposit, crew app and card-on-file questions above in every demo.
- Get each vendor's payment terms in writing, including any fees for using an outside processor.
- Compare built-in pricing against a merchant account quote for your own volume.
MannyPay works with moving companies on merchant accounts, terminals and gateway connections. To compare your options, request a free processing quote, and a MannyPay specialist will respond within one business day.
This article is for general educational purposes and is not legal, tax or financial advice. Card network rules and state laws change; confirm current requirements for your business.
