Jobber Payments Fee Calculator 2026
Calculate exact processing fees for field service contractors (HVAC, plumbing, roofing, landscaping). Compare online cards (2.9% + 30¢), card reader (2.5% + 15¢), and ACH Bank Payments (1% cap $15).
Jobber charges 2.90% + $0.30 for online credit cards (reduced to 2.70% + $0.30 on the Grow plan), 2.50% + $0.15 on the mobile Card Reader, and 1.00% capped strictly at $15.00 flat on ACH Bank Payments. On an $8,500 HVAC installation invoice, credit cards cost $246.80 in fees, while Jobber ACH costs only $15.00, saving the contractor $231.80 on a single job.
Net deposited to contractor business account in 1–2 business days.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
📑 Contractor Double-Entry Reconciliation Journal
Pre-formatted double-entry journal entry for syncing Jobber Payments settlements into QuickBooks Online or Xero.
| Account Code & Name | Type | Debit ($ USD) | Credit ($ USD) |
|---|---|---|---|
| 1010 Operating Bank Account (Deposit) | Asset | $2,427.20 | - |
| 6050 Merchant Processing Fee Expense (Jobber) | Expense | $72.80 | - |
| 4010 Contracting Service Revenue | Revenue | - | $2,500.00 |
Jobber Payments Benchmark Matrix: Card vs Reader vs ACH (2026)
Full cost comparison across Online Credit Card (2.9% + 30¢), Card Reader (2.5% + 15¢), and ACH Bank Payments (1% cap $15).
| Job Ticket | Online Card (2.9%+30¢) | Card Reader (2.5%+15¢) | ACH Direct (1% Cap $15) | ACH Dollar Savings |
|---|---|---|---|---|
| $150 Lawn / Mowing | $4.65 | $3.90 | $1.50 | +$3.15 (68%) |
| $450 Pressure Wash | $13.35 | $11.40 | $4.50 | +$8.85 (66%) |
| $1,200 Electrical Panel | $35.10 | $30.15 | $12.00 | +$23.10 (66%) |
| $2,500 Plumbing Repair | $72.80 | $62.65 | $15.00 | +$57.80 (79%) |
| $5,000 Painting Project | $145.30 | $125.15 | $15.00 | +$130.30 (90%) |
| $8,500 HVAC Replacement | $246.80 | $212.65 | $15.00 | +$231.80 (94%) |
| $15,000 Full Roof Install | $435.30 | $375.15 | $15.00 | +$420.30 (97%) |
1. Field Service Cash Flow: The $15 ACH Cap Strategic Arbitrage
In the trades (HVAC, electrical, plumbing, roofing), invoice ticket sizes routinely range between $3,000 and $15,000. Unlike micro-retail transactions where card fees are negligible, accepting credit cards on high-ticket contracting jobs causes severe profit bleed:
Uncapped Card Overhead
On a $10,000 whole-home repiping or HVAC install, Jobber's 2.9% card fee costs $290.30. For a contractor completing 8 such installations per month, credit card fees drain $2,322.40/month ($27,868.80/year) in pure cash.
The Capped ACH Fortress
Jobber Bank Payments cap out at $15.00 flat. The exact same 8 jobs paid via ACH cost only $120.00/month ($1,440.00/year), preserving $26,428.80 in annual owner net take-home pay.
2. Mathematical Derivation: Jobber Grow Plan Crossover Volume
Jobber offers reduced card processing rates (2.7% + $0.30) on its top-tier Grow plan ($249/mo) vs Connect ($129/mo). To derive the exact monthly card sales volume where upgrading pays for itself:
Contractors billing more than $60,000/month on credit cards generate more in rate reductions than the $120/mo subscription upgrade.
Frequently Asked Questions: Jobber Payments
1. What are Jobber Payments processing fees in 2026? ↓
Jobber Payments charges tiered processing fees based on your subscription tier and payment rail: Online credit card payments are 2.90% + $0.30 (Core & Connect plans) and 2.70% + $0.30 on the Grow plan ($249/mo). In-person Jobber Card Reader transactions are 2.50% + $0.15. Jobber Bank Payments (ACH Direct Debit) cost 1.00% capped strictly at $15.00 maximum per transaction.
2. How does Jobber ACH Direct Debit capping at $15 save contractors money? ↓
Jobber ACH charges 1.0% up to an absolute ceiling of $15.00. Any invoice over $1,500.00 hits this $15 cap. For example, on a $6,000 HVAC installation or roof replacement, a credit card fee costs $174.30, whereas Jobber ACH costs only $15.00, saving the contractor $159.30 (a 91.4% fee reduction) on a single invoice.
3. What is the exact tipping point between credit cards and Jobber ACH? ↓
Because credit cards are 2.9% + $0.30 and ACH is 1.0% capped at $15, ACH is cheaper for virtually every invoice over $15.79. Once an invoice reaches $1,500, the ACH fee stops growing entirely, making ACH dramatically superior for all residential and commercial contracting jobs.
4. How does Jobber's Grow plan pay for itself in credit card fee savings? ↓
The Grow plan ($249/mo) lowers credit card processing rates from 2.90% to 2.70% (a 0.20% savings). Upgrading from Connect ($129/mo) costs an additional $120/mo. Dividing $120 by 0.002 yields a crossover volume of $60,000.00/month in card volume. If your home service business bills more than $60,000/mo on credit cards, upgrading to Grow pays for itself on fee savings alone.
5. Can contractors pass Jobber credit card processing fees to homeowners? ↓
In most US states, contractors can legally surcharge credit card transactions up to 3.0% (or actual cost of acceptance), provided proper notice is displayed on quotes and estimates. However, surcharging debit cards is strictly illegal under the federal Durbin Amendment. Many contractors instead offer a 'Prompt Payment Cash/Check/ACH Discount' to incentivize bank payments.
6. How fast are Jobber Payments payouts deposited into contractor bank accounts? ↓
Credit card transactions processed through Jobber Payments deposit on a rolling 1 to 2 business day schedule. Jobber ACH bank payments typically clear within 3 to 5 business days due to standard NACHA inter-bank clearing cycles. Instant Payouts are available to eligible debit cards for a 1.00% fee.
7. What is the gross-up formula for a Jobber invoice to clear exact net pay? ↓
To receive an exact net target payout $T on standard card processing (2.9% + $0.30), calculate: Gross Invoice = (Target Net + $0.30) / (1 - 0.029). For a $2,500 project, invoice ($2,500 + $0.30) / 0.971 = $2,574.97.
8. How does Jobber Payments compare to Square Invoicing for contractors? ↓
Square Invoicing charges 3.3% + $0.30, whereas Jobber Payments charges 2.9% + $0.30 (or 2.7% on Grow). On a $5,000 contracting job, Square charges $165.30, while Jobber charges $145.30 (saving $20.00). Furthermore, Jobber ACH is capped at $15, while Square ACH is 1% with no cap on certain legacy plans.
9. Does Jobber support tipping on mobile invoices and card readers? ↓
Yes. Jobber Payments includes native customer tip prompts on digital invoices and on the Jobber Card Reader, which is popular for lawn care, window washing, and residential cleaning services.
10. Does Jobber charge fees on customer refunds? ↓
Like Stripe (which powers Jobber Payments), Jobber does not refund the original transaction processing fees (2.9% + $0.30) when an invoice is refunded to a homeowner.
11. How do Jobber Payments sync with QuickBooks Online? ↓
Jobber features two-way real-time synchronization with QuickBooks Online. When a homeowner pays an invoice online, Jobber automatically marks the invoice as paid in QBO, matches the payment, and records the processing fee as a separate expense line.
12. How should Jobber fees be recorded in contracting double-entry bookkeeping? ↓
Debit Operating Cash (Asset 1010) for net bank settlement, debit Merchant Processing Fee Expense (Expense 6050) for the Jobber cut, and credit Gross Contracting Sales Revenue (Revenue 4010) for the total invoice value.
Verified Methodology & Primary Legal Sources 2026 Audit
All calculation logic, statutory caps, and tax models are cross-referenced with official merchant agreements.