Lower costs on commercial card payments

Property managers paying with commercial cards can qualify for lower rates with line-item data. When business customers pay with commercial cards, passing detailed invoice data can qualify for lower interchange. Visa's Commercial Enhanced Data Program changed the rules in 2025–2026.
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Payment solutions for painting contractors

How each solution supports painting contractors

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

Square Invoices

For painting contractors: Send itemized invoices for project deposits, progress invoices and final balances and track deposits, due dates and outstanding balances. Collect a materials deposit when the estimate is accepted and the balance at walkthrough. 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 Contracts

For painting contractors: Document the scope, payment schedule and customer approval for project deposits, progress invoices and final balances before work begins. A signed scope protects painting contractors 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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Square Point of Sale

For painting contractors: Bring project deposits, progress invoices and final balances into a point-of-sale workflow, with reporting organized around job codes, change orders and milestone invoices. Take the final payment on a phone at the walkthrough. Square Point of Sale is Square's POS app for taking payments in person, online or in the field. Roots sets up your items, services, taxes, permissions and devices so checkout is quick.
  • Choose the Square plan and hardware that fit your counter, trucks or bays
  • Import your catalog and customer list and set team permissions
  • Configure taxes, discounts, receipts and (if you use them) tips
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Square Payroll

For painting contractors: Organize payroll for builders, project managers and office teams, using staff and time records to prepare pay runs. Pay W-2 staff and 1099 help in the same system that tracks their hours. Square Payroll runs full-service payroll with automated tax filings, or contractor-only payments, connected to Square timecards.
  • Set up employees, 1099 subcontractors and pay schedules
  • Connect timecards from Square team management
  • Walk through labor-cost reports by job type
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Square Banking

For painting contractors: Plan account and cash-flow workflows around income from project deposits, progress invoices and final balances and day-to-day operating expenses. Use Square Checking funds right away to buy paint for the next job. Square Checking makes Square sales available right after each payment, with a debit card for parts and materials.
  • Help set up Square Checking and savings folders
  • Explain transfer options and timing
  • Coordinate banking with payroll and bookkeeping
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ACH Payments

For painting contractors: Offer bank-account payments for project deposits, progress invoices and final balances, with authorization and invoice matching built into the workflow. Typical tickets for painting contractors run $1,500 to $20,000. On the larger ones, ACH costs far less than a card. 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

Payouts

For painting contractors: Distribute amounts owed to subcontractors and project crews, with payment references matched to job codes, change orders and milestone invoices. Pay independent contractor painting crews by bank transfer at the end of each week. Roots Payouts sends bank payments to subcontractors, crews and vendors. Provided through our licensed banking and money-transmission partners. Roots Payments is not a bank or money transmitter.
  • Set up payee onboarding
  • Connect payouts to job completion or approvals
  • Reconciliation reporting
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Level 2/3 Processing

For painting contractors: Include purchase-order references and itemized invoice data for business-card purchases of project deposits, progress invoices and final balances. Property managers paying with commercial cards can qualify for lower rates with line-item data. When business customers pay with commercial cards, passing detailed invoice data can qualify for lower interchange. Visa's Commercial Enhanced Data Program changed the rules in 2025–2026.
  • Review your commercial card mix to see whether enhanced data pays
  • Configure line-item data from invoices
  • Monitor Visa data-quality results

Merchant Account

For painting contractors: Arrange a processing account for project deposits, progress invoices and final balances, with checkout methods matched to how customers pay. Typical tickets for painting contractors run $1,500 to $20,000, 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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Level 2/3 Processing questions

Questions contractor owners ask about getting paid in the field.
Business card payments can include additional invoice and line-item information. Roots reviews your transaction data and processing setup to plan the required fields.
No. We review the actual card mix and processing results with your processing partner, then compare the effect on your statement.
Bring your business-card mix, invoice fields and transaction line-item data. Roots uses these details to plan the workflow for painting contractors 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 painting contractors solutions