Payment Processing for Contractors

Commercial contractors bill in progress draws with retainage and change orders, and get paid by GCs and owners mostly by ACH and check.
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Payment solutions for commercial contractors & subcontractors

How these solutions fit commercial contractors & subcontractors

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

Square Invoices

For commercial contractors & subcontractors: Send itemized invoices for building materials, equipment rentals and trade orders and track deposits, due dates and outstanding balances. Square Invoices lets commercial contractors and subcontractors send invoices by email, text or link and get paid by card, digital wallet or ACH bank transfer. Estimates convert to e-signed contracts and milestone invoices. Roots sets up your templates, recurring schedules and autopay, and connects invoices to your accounting.
  • Design invoice templates and custom fields (terms, policies, account numbers) for commercial contractors and subcontractors
  • Set up recurring schedules and card-on-file or bank-on-file autopay for general contractors and owners
  • Configure reminders and late-payment workflows
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ACH Payments

For commercial contractors & subcontractors: Offer bank-account payments for building materials, equipment rentals and trade orders, with authorization and invoice matching built into the workflow. ACH lets commercial contractors and subcontractors collect progress billing, retainage and change orders directly from a payer's bank account, usually at a lower cost than cards on larger payments. GCs pay draws by ACH. Roots sets up ACH with authorization language and fraud controls that meet Nacha's rules.
  • Write compliant authorization language for general contractors and owners
  • Set up account verification and return monitoring
  • Help you meet Nacha's 2026 fraud-monitoring requirements
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Transfer initiated

$6,700.00 · ref ACH-7731

Credit Card Surcharging

For commercial contractors & subcontractors: Plan credit-card surcharge disclosures for building materials, equipment rentals and trade orders, keeping eligible card payments distinct at checkout. A surcharge program lets commercial contractors and subcontractors add a disclosed fee to credit card payments to offset processing costs, while debit and bank payments remain free of the customer surcharge. A capped, disclosed surcharge for clients paying draws by credit card. Roots configures card-type detection, disclosures and receipts, and checks your state's rules first.
  • Check your state's surcharge rules and complete card-network registration where required
  • Configure terminals, invoices and online checkout
  • Write the disclosure language for general contractors and owners
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Level 2/3 Processing

For commercial contractors & subcontractors: Include purchase-order references and itemized invoice data for business-card purchases of building materials, equipment rentals and trade orders. When business customers pay commercial contractors and subcontractors with corporate, purchasing or fleet cards, sending enhanced transaction data (tax, PO number, line items) can qualify for lower interchange. Lower interchange on eligible commercial cards. Roots configures enhanced-data capture in your gateway, invoices or ERP so it happens on every eligible transaction.
  • Analyze statements to find commercial-card downgrades
  • Configure the gateway or ERP to populate enhanced data accurately
  • Monitor CEDP qualification and fix data-quality errors
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Custom Payment Integration

For commercial contractors & subcontractors: Connect the payment flow for building materials, equipment rentals and trade orders with your software and the operational records behind job-site references, purchase orders and material invoices. Payments are only half the job. Commercial Contractors also need each payment posted to the right account, invoice or record automatically. Payments post to your construction accounting system. Roots scopes, builds and supports the integration.
  • Map how payments should post in your system
  • Build, test and host the integration
  • Support and maintain it as systems change
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Commercial Contractors & Subcontractors payment questions

Start with the workflows your business needs. Options on this page include Square Invoices for Commercial Contractors, ACH Payments for Commercial Contractors, Surcharging for Commercial Contractors. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review invoices, registration payments, recurring collections and reconciliation, then plan the changes your commercial contractors & subcontractors business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which commercial contractors & subcontractors workflows need to improve so we can scope a practical setup.

Let’s set up payments for your commercial contractors & subcontractor business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
Talk to a building supply dealer payments specialistExplore construction & building supply solutions