Lower-cost payments for large invoices

Take insurer and homeowner payments by ACH on large invoices to keep fees down. ACH moves money straight from the customer's bank account, which usually costs far less than a card on a large invoice.
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Transfer initiated

$15,450.00 · ref ACH-7731

Payment solutions for roofing contractors

How each solution supports roofing contractors

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

Square Invoices

For roofing contractors: Send itemized invoices for project deposits, progress invoices and final balances and track deposits, due dates and outstanding balances. Split a claim job into deposit, ACV and depreciation-release 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 Contracts

For roofing contractors: Document the scope, payment schedule and customer approval for project deposits, progress invoices and final balances before work begins. Get the scope, insurance-contingency terms and cancellation notice signed on the tablet at the kitchen table. 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 Payment Links

For roofing contractors: Share a checkout link for project deposits, progress invoices and final balances through messages, email or your website. Use one reusable link for the flat charges roofing contractors collect again and again. Square Payment Links creates a checkout page you can share by text, email, social or QR code, and one link can be reused for a standard charge.
  • Create reusable links for standard fees and deposits
  • Generate QR codes for trucks, leave-behinds and invoices
  • Make sure paid links land in the right customer profile and report
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Square Payroll

For roofing 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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ACH Payments

For roofing contractors: Offer bank-account payments for project deposits, progress invoices and final balances, with authorization and invoice matching built into the workflow. Take insurer and homeowner payments by ACH on large invoices to keep fees down. 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
✓

Transfer initiated

$15,450.00 · ref ACH-7731

Consumer Financing

For roofing contractors: Present financing options for project deposits, progress invoices and final balances alongside the purchase or service estimate. Roots connects your business with buy-now-pay-later options for customer purchases.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Chargeback Management

For roofing contractors: Organize evidence for disputed project deposits, progress invoices and final balances, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Merchant Account

For roofing contractors: Arrange a processing account for project deposits, progress invoices and final balances, with checkout methods matched to how customers pay. Warn underwriting about storm-season spikes in advance so volume jumps don't trigger holds. 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

For roofing contractors: Plan credit-card surcharge disclosures for project deposits, progress invoices and final balances, keeping eligible card payments distinct at checkout. Typical tickets for roofing contractors run $8,000 to $40,000. 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
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ACH Payments questions

Questions contractor owners ask about getting paid in the field.
ACH lets customers pay from a bank account. Roots helps set up authorization, payment collection and reconciliation through a processing partner.
Yes. We can plan one-time and recurring bank-account payments, including authorization records, failed-payment handling and customer receipts.
Bring your billing schedule, bank-payment authorizations and reconciliation process. Roots uses these details to plan the workflow for roofing 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 roofing contractors solutions