01
Large Tickets, Large Fees
Remodels and builds run into five or six figures. Card fees on those amounts hurt, so ACH needs to be easy.
Contractor payment processing
Get Paid at Every Stage of the Job.
For general contractors, remodelers and trades. Take deposits, bill progress payments by ACH or card and collect on the job site from your phone.
- Deposits and progress billing
- ACH for large invoices
- Job-site mobile payments
- 100+ industries servedLow-risk, high-risk, online and in-store
- Next-day fundingAvailable on qualifying accounts
- One dedicated specialistFrom application through launch
- Fraud and chargeback toolsBuilt into every account
Why It's Different
Construction & Contracting Payments Come with Their Own Rules.
Generic setups leave money on the table. Here is what a payment setup built for your business has to handle.
02
Progress Payments Run Late
Clients and GCs pay draws late when invoices go by mail. Slow draws mean you float materials and labor.
03
Deposits Need Clear Terms
Deposits for materials and scheduling must be backed by a signed contract to avoid disputes if plans change.
04
Work Happens in the Field
Crews and owners are on site, not in an office. They need to collect payment from a phone or tablet.
Who We Serve
Built for Every Kind of Construction & Contracting Business.
From first-year operators to multi-location brands, we match each business to processing that fits how it actually runs.
Check My Eligibility- General contractors
- Home remodelers
- Commercial builders
- Electricians
- HVAC contractors
- Roofing contractors
- Landscaping and hardscaping
- Concrete and paving
What You Get
Everything You Need to Accept, Protect and Run Payments.
One merchant account, configured for construction & contracting, with the tools below ready from day one.
Accept
ACH for Big Invoices
Let clients pay deposits and draws by bank transfer to keep costs down on large tickets.
Job-Site Payments
Take a card or send a pay link from your phone when the job is done.
Protect
Contract-Backed Deposits
Tie each deposit to a signed estimate or contract to support your terms if a dispute comes up.
Secure Stored Payments
Keep client cards and bank details as tokens for scheduled draws, without storing numbers.
Operate
Progress and Milestone Billing
Send invoices at each stage with a pay button and track which draws are paid.
Card Cost Programs
Surcharging or cash discount where permitted by card-brand rules and state law, to offset card fees.
Stop Floating Jobs while You Wait to Get Paid
Tell us how you bill and we will set up deposits, draws and job-site payments that fit.
How it Works
From First Call to First Payment.
- 1
Tell Us How You Sell
Tell us your trade, typical job size and how you bill deposits and progress payments now.
- 2
We Structure the Account
We set up ACH, mobile payments and milestone invoicing that fit your job flow.
- 3
Approval and Setup
Approval decisions move faster with a complete application. Then we test links on a sample job.
- 4
Ongoing Support
Your specialist helps with larger contracts, new crews and fee reviews as you grow.
Merchant Feedback
What Businesses Value about MannyPay.
Google reviews ★★★★★
★★★★★
“MannyPay made our setup simple from day one — transparent pricing, fast approval, and a team that actually picks up the phone.”
FAQs
Construction & Contracting Payment Processing FAQs.
Can we take deposits before starting a job?
Yes. Send a deposit link with your bid or contract and collect by card or ACH. Tie the deposit to signed terms so it is clear what it covers.
How do progress payments work?
Send an invoice at each milestone with a secure pay button. Clients pay by card or ACH, and you can see which draws are paid and which are open.
Can we take large payments without high card fees?
ACH bank transfers usually cost much less than cards on large amounts. You can also use surcharging or cash discount where permitted by card-brand rules and state law.
Can we collect payment on the job site?
Yes. Use a mobile reader or send a pay link from your phone. Payments post to your account and the client gets a receipt right away.
Are there limits on large tickets?
Each account has processing limits set during underwriting based on your job sizes and history. Tell us your largest typical job so we can set the account up for it.
Do you work with subcontractors and trades?
Yes. Electricians, HVAC, roofing, landscaping and other trades use the same tools for deposits, invoices and on-site payments.
Free Quote
Let’s Find the Right Construction & Contracting Setup.
Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway, and pricing — with a response within one business day. No obligation, no pressure.