Pass card costs on large tickets, by the rules

Typical tickets for cabinet and countertop shops run $3,000 to $30,000. Where it's allowed, a compliant surcharge offsets card costs on the larger ones. A surcharge adds a disclosed fee to credit card payments only. Visa caps it at 3% or your cost of acceptance, whichever is lower, and some states ban or cap it.
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Payment solutions for cabinet & countertop shops

How each solution supports cabinet & countertop shops

See what each option adds to the way your business takes and tracks payments.

Square Invoices

For cabinet & countertop shops: Send itemized invoices for project deposits, progress invoices and final balances and track deposits, due dates and outstanding balances. Bill deposit, template and install as milestones on one invoice. Square Invoices sends estimates and invoices by email, SMS or a shareable link and tracks what's paid, unpaid or overdue. Roots configures the templates, payment schedules and reminders around how you bill.
  • Build your service catalog, tax settings and branded invoice and estimate templates
  • Set up deposit and milestone schedules that match your contracts and any state limits you operate under
  • Connect Square to QuickBooks Online or Xero so paid invoices reconcile automatically
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Square for Retail

For cabinet & countertop shops: Connect building materials and contractor retail supplies to a retail catalog, stock tracking and customer purchase history. Sell sinks, faucets and remnants at the showroom counter. Square's retail features handle large catalogs, barcode scanning, vendors and customer accounts, synced with online sales.
  • Import your catalog, variants and vendors
  • Set up barcode labels, scanners and receipt printers
  • Configure house accounts for repeat business customers
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Square Contracts

For cabinet & countertop shops: Document the scope, payment schedule and customer approval for project deposits, progress invoices and final balances before work begins. A signed scope protects cabinet and countertop shops when a customer disputes a charge later. Square Contracts builds contracts with e-signature that attach to Square estimates, invoices and appointments, free of charge.
  • Adapt Square's templates to your scope, change-order and warranty language
  • Attach contracts to estimates and bookings automatically
  • Coordinate with your attorney on state-specific terms
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ACH Payments

For cabinet & countertop shops: Offer bank-account payments for project deposits, progress invoices and final balances, with authorization and invoice matching built into the workflow. Let builders and designers pay trade invoices by ACH. ACH moves money straight from the customer's bank account, which usually costs far less than a card on a large invoice.
  • Set up ACH on invoices and payment pages
  • Write authorization language
  • Explain return and settlement timing
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Transfer initiated

$15,450.00 · ref ACH-7731

Credit Card Surcharging

For cabinet & countertop shops: Plan credit-card surcharge disclosures for project deposits, progress invoices and final balances, keeping eligible card payments distinct at checkout. Typical tickets for cabinet and countertop shops run $3,000 to $30,000. Where it's allowed, a compliant surcharge offsets card costs on the larger ones. A surcharge adds a disclosed fee to credit card payments only. Visa caps it at 3% or your cost of acceptance, whichever is lower, and some states ban or cap it.
  • Check your states and card mix before you start
  • Configure terminals, invoices and receipts
  • Provide compliant signage and invoice language

Merchant Account

For cabinet & countertop shops: Arrange a processing account for project deposits, progress invoices and final balances, with checkout methods matched to how customers pay. Typical tickets for cabinet and countertop shops run $3,000 to $30,000, and a merchant account's limits and pricing can be set for that range. A dedicated merchant account gives you custom pricing and processing limits set during underwriting. Roots uses it when Square isn't the right fit.
  • Statement review and a pricing quote
  • Underwriting and application support
  • A named support contact after go-live
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Credit Card Surcharging questions

Questions contractor owners ask about getting paid in the field.
A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan the workflow for cabinet & countertop shops and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a contractor payments specialistAll cabinet & countertop shops solutions