Payments for home services
Payment processing for home service businesses
Send a quote the customer accepts online, bill weekly or monthly visits automatically, and take payment on the doorstep with your phone. Anytime Capital Payments is 2.75% + 30¢ per card or wallet payment with no monthly fee and no card reader, and each payment sweeps into your business account the minute it settles.
- Quotes customers accept online
- Recurring invoices for regular visits
- Paid on the doorstep, no card reader
Then 2.75% + 30¢ per card or wallet payment. No monthly, setup or PCI fees. Updated October 2026.
Quick answer
How should a cleaning or lawn care business take payments?
Regular customers suit recurring invoices: one a week or a month, paid by card, Apple Pay, Google Pay or bank account, with reminders if it's late. One-off jobs start with a quote the customer accepts online, which becomes the invoice. On the day, key in the amount on your phone and the customer scans and pays. With Anytime Capital Payments all three run on one account at 2.75% + 30¢, $4.70 on a $160 clean, with no monthly fee.
How it plays out
One home service business, one payment, start to finish
Every step below is something Anytime Capital Payments does today: the link or invoice, the reminder, the payment and the payout, on one account.
- Quote Q-0218 accepted onlineOct 21 · 8:02 PM
- Deep clean done · invoice sent from the drivewayOct 24 · 3:40 PM
- Paid with Google PayOct 24 · 3:52 PM
- Weekly clean invoice set to repeat every MondayOct 27
- Paid out instantly to your business accountOct 24 · 3:52 PM
How it works
How a home service business gets paid with Anytime Capital
- 01
Quotes that turn into invoices
Send a quote with line items and a valid-until date. The customer accepts or declines it online, and accepting turns it into an invoice, so you never retype a job.
A quote the customer accepts online. Anytime Capital product view, demo data. - 02
Bill regular visits automatically
Make the invoice recurring, weekly, monthly, quarterly or yearly, and a fresh copy issues itself with reminders before, on and after the due date. Customers can save a card at checkout, and you can charge it from their record for an add-on, with their permission.
A recurring weekly invoice. Anytime Capital product view, demo data. - 03
Get paid on the doorstep
Open In person on your phone, key in the amount and a note such as the address, and the customer scans the code and pays with Apple Pay, Google Pay or a card on their own phone. No reader to charge, pair or lose.
Paid on the doorstep: key in the amount, the customer scans. Anytime Capital product view, demo data. - 04
Pay your crew and suppliers from the same balance
Payments sweep into your Anytime Capital business account instantly, nights and weekends included. Pay crew and suppliers by RTP, FedNow, ACH or wire, or fund business cards for fuel and supplies, from the same balance.
Balance · Anytime Capital PaymentsInstant payouts onAvailable to pay out
$248,310.42
+$31,904.18 today · 412 payments
Business accountRTPWireACH71+ countriesUSDCPayouts
Payouts leaving an Anytime Capital Payments balance. Illustrative product view.
What it costs
Card fees on a home service business's typical sales
| Sale | Anytime Capital (2.75% + 30¢) | Stripe (2.9% + 30¢) | Square online, Free plan (3.3% + 30¢) | PayPal Checkout (3.49% + 49¢) | Square in person, Free plan (2.6% + 15¢) |
|---|---|---|---|---|---|
| Lawn mow $55 | $1.81 | $1.90 | $2.12 | $2.41 | $1.58 |
| Weekly clean $160 | $4.70 | $4.94 | $5.58 | $6.07 | $4.31 |
| Deep clean $340 | $9.65 | $10.16 | $11.52 | $12.36 | $8.99 |
| Move-out clean $496 | $13.94 | $14.68 | $16.67 | $17.80 | $13.05 |
Published US rates as of October 2026, before monthly plans, international cards, currency conversion, disputes and payout fees. New Anytime Capital businesses pay 2.5% + 30¢ for their first 90 days.
A business billing $25,000 a month at an average of $165 pays $732.95 at 2.75% + 30¢, $770.45 at Stripe's published online rate and $870.45 at Square's Free-plan online rate. On jobs paid through a Square reader in person, Square's 2.6% + 15¢ would come to $672.73, less than ours.
Customers who pay by bank account from a recurring invoice give you a lower-cost way to collect regular visits; our ACH rate is on the pricing page.
Built in
What a home service business gets on day one
- Quotes accepted onlineAccepting turns the quote into an invoice; declining records the customer's reason.
- Recurring invoicesWeekly, monthly, quarterly or yearly visits billed on schedule until the end date you set.
- Reminders that chase for youBefore, on and after the due date, at most one a day, stopping once it's paid.
- Cards on fileCustomers save a card at checkout; charge it from their record with their permission.
- Deposits for big jobsAsk for a fixed or percentage deposit first, then the balance on the same invoice.
- Your brand on every invoiceYour logo and colour on quotes, invoices and receipts, on a domain you own if you want.
Straight talk
Keep your scheduling and dispatch app
Anytime Capital doesn't plan routes, schedule crews or keep job checklists. Keep your field-service software for that, and use Anytime Capital for quotes, invoices, payments and payouts. If your field-service app only takes payments through its own processor, quotes, recurring invoices and doorstep payments can still run here.
Project trades with materials and milestones, such as remodelers, HVAC installers and electricians, are covered on our contractors page.
Keep using another tool for
- Route planning and crew scheduling
- Job checklists and photos
- Customer reminders about visit times
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Payouts
Where the money goes next
- Your Anytime Capital business accountSweep settled sales into your Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.Instant, 24/7
- RTP and FedNow instant transfersPush money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.Seconds, any day
- Domestic wireFedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.Same day
- ACH and same-day ACHLow-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.Same day or next day
- Local rails in 71+ countriesPay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.Minutes to same day
- Stablecoins: USDC and USDTSame-day on-chain transfers to a supplier, contractor or your own wallet, with no correspondent bank in the way.Minutes, including weekends
Questions
Payment processing for home service businesses: FAQ
Tools, comparisons and guides
Payments for other businesses
Important Disclosures
- Rates for Stripe, Square and PayPal are their published US pricing as of October 2026, from the pages named on each company's comparison page. Prices change and negotiated pricing differs; check current pricing before you decide.
- Product views on this page are renders of the Anytime Capital Payments interface with demo data. The businesses, people, addresses and amounts shown are fictional.
- Anytime Capital is independent of the companies named on this page and is not endorsed by, affiliated with or sponsored by them. Third-party names and trademarks belong to their owners.
- This page is for information only and is not financial, tax or legal advice.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.