Jobber Payments: Credit Card and ACH Processing Fees
Jobber Payments is built into every Jobber plan. Clients pay via a text link sent right after you complete a job. Here are the rates, how they compare, and when it makes sense to use a different processor.
Credit Card
2.9% + $0.30
Visa, Mastercard, Amex, Discover
Example: $500 job = $14.80 in fees
ACH (Bank Transfer)
1% ($0.50 min)
Direct from client bank account
Example: $500 job = $5.00 in fees
Monthly Fee Comparison by Volume
Estimated monthly processing fees assuming 100% credit card payments. ACH would be significantly cheaper.
| Monthly Volume | Jobber | Square (in-person) | Square (online) | Stripe | PayPal | Checks |
|---|---|---|---|---|---|---|
| $5,000 | $175 | $135 | $175 | $175 | $225 | $0 |
| $10,000 | $320 | $265 | $320 | $320 | $420 | $0 |
| $20,000 | $610 | $525 | $610 | $610 | $810 | $0 |
| $35,000 | $1,045 | $915 | $1,045 | $1,045 | $1,395 | $0 |
| $50,000 | $1,480 | $1,305 | $1,480 | $1,480 | $1,980 | $0 |
How Jobber Payments Works
Complete the job
Mark the job as complete in Jobber. The system generates an invoice automatically based on your quote or the line items you added.
Send the invoice
Jobber sends the client a text message (or email) with a link to view and pay the invoice. This happens within seconds of job completion.
Client pays via link
The client taps the link on their phone, views the invoice, and pays with a credit card or bank account. The average time from invoice to payment is under 2 hours.
Funds deposited
Payment is deposited to your bank account within 2-5 business days. The payment is automatically marked as received in Jobber and synced to QuickBooks if connected.
When to Use Jobber Payments vs a Separate Processor
Use Jobber Payments When
- ✓You want clients to pay immediately after job completion via text link
- ✓You need automatic payment reconciliation with invoices
- ✓You value simplicity over saving a few tenths of a percent
- ✓You process less than $20K/month in cards
Consider a Separate Processor When
- !You do mostly in-person tap/chip payments (Square is cheaper)
- !You process $50K+/month and qualify for negotiated rates
- !You need instant deposits (Square offers this for 1.75% extra)
- !Most clients prefer to pay cash or check
When to Push ACH Over Credit Cards
ACH costs 1% vs 2.9% + $0.30 for credit cards. On a $1,000 invoice, that is $10 vs $29.30. For high-value jobs, the savings add up fast.
| Invoice Amount | Credit Card Fee | ACH Fee | You Save |
|---|---|---|---|
| $200 | $6.10 | $2.00 | $4.10 |
| $500 | $14.80 | $5.00 | $9.80 |
| $1,000 | $29.30 | $10.00 | $19.30 |
| $2,500 | $72.80 | $25.00 | $47.80 |
| $5,000 | $145.30 | $50.00 | $95.30 |
Tip: For commercial clients and recurring contracts over $500, proactively offer ACH as the default payment method. Most commercial clients prefer it anyway since it comes directly from their business account.