PeerPayments Get your setup
Pricing

Payments first.
The software's free.

Everyone else sells you software and hides the payment fees in the fine print. We flipped it: fair payments out front, and the entire platform included at no charge.

Software$0 / month
Included, always
Credit & debit
Interchange
+ 0.40% + 5¢
True cost plus our flat markup. Next-day funding, no fee.
Bank / ACH
$1 flat
No percentage. A $5,000 invoice costs you a dollar, not $50.
Surcharge option
0% to you
Pass the card fee to the customer (3%). Your processing cost goes to zero, and they can pay by bank to skip it.
Next-day funding on cards at no extra cost. One-time $199 white-glove setup. No contract, no cancellation fee.
Software, head to head

What you pay just to log in.

This is the software bill alone, before you process a single payment. Two of these are free, us and Square. On payments, we're cheaper than Square too.

PeerPayments
$0included free
Square
$0free, pricier payments
CompanyCamphotos only
$79$948 / year
DripJobs+ $49 job costing
$97$1,164 / year
QuickBooksQuickBooks Online
$99$1,188 / year
Jobber
$129$1,548 / year
Housecall Pro
$149$1,788 / year
Knowify+ $29 / user
$149$1,788 / year
Typical small-crew plan, billed monthly. Most charge more as you add users or features. PeerPayments is $0, always.
Then there's the payments. That's where we really win — see below.
Run your numbers

See what you'd really pay.

Your all-in monthly cost, payments plus software, against the tools you already know.

$
$
About 40 payments a month.
The rest is paid by card. Bank payments are $1 flat with us.
Pass card fees to the customerYour card cost drops to ~$0. Credit only.
Rates & assumptions — tap to edit

These are the rates and monthly software fees we used to build the totals above. The white boxes are editable: change any platform's software fee to match a specific contractor's real plan, or adjust the interchange estimate to their card mix.

PeerPayments · cards interchange + 0.40% + 5¢, bank $1 flat, $15/mo platform, software free
Typical interchange (card networks' cost, varies by card mix)%
Square · cards 3.3% + 30¢, bank 1% (cap $10), software free
Stripe (standalone) · cards 2.9% + 30¢, bank 0.8% (cap $5), Invoicing 0.4% per paid invoice (cap $2), no monthly software
Jobber · 2.9% + 30¢ cards, 1% bank, software/mo$
Housecall Pro · 2.9% + 30¢ cards, 1% bank, software/mo$
Knowify · ~2.9% + 30¢ cards, 1% bank, software/mo$
QuickBooks · 2.9% + 25¢ cards, 1% bank (no cap), QuickBooks Online/mo$
DripJobs · 2.9% + 30¢ cards (Stripe), 1% bank, software/mo$

These are estimates to give you a feel for the difference. We're happy to look at your real payment setup, walk you through your actual numbers, and show you exactly what your savings could look like. No pressure, no obligation.

Walk me through my numbers
Surcharging passes the credit-card fee to your customer (up to 3%); debit cards can't be surcharged by law and a few states restrict it, so your real card cost is near zero, not exactly zero. Most flat-rate platforms don't offer surcharging; a couple (like DripJobs) do, but even then you're still paying their monthly software while ours is free. Next-day funding applies to cards; bank/ACH payments settle in about 5–7 business days. Comparison uses invoice / card-not-present rates. Provider rates current as of 2026 and shown for comparison, not a guarantee. PeerPayments adds a one-time $199 setup.