GC, remodel & specialty trades
Contracting runs on cash flow — deposits up front, progress payments mid-job, final on completion. Most processors flinch at the high-ticket transactions, hold your money for 30 days, and force you to absorb 3% on a $40,000 kitchen remodel. Xray underwrites to the realities of construction.
Why generic processing fails Contractors.
High-ticket holds
You charge a $32,000 deposit, the processor holds the funds for 14 days "for review." Cash flow dies.
Eating 3% on $80K change orders
Plumber found a slab leak; project went up $12K. You absorb $360 in card fees on margin you don't have.
Homeowner has to come to the office
Project running, you need a $6K progress payment. They're at work. You wait.
Commercial deposits with no ACH
Office build-out, $120K deposit. You wanted ACH. The processor said "we don't do that."
What Xray actually configures for Contractors.
High-ticket underwriting to your real volume
We underwrite to your actual ticket size — $50K, $100K, $250K. No artificial limit; no surprise hold.
Surcharge program on construction projects
Add 3% to credit card payments. Disclosed at contract signing. Net rate: 0%. Cash and check unaffected.
Pay-by-link for progress payments
Send a unique URL via SMS or email for each draw. Homeowner pays from their phone; you get a notification.
ACH at 0.50% for commercial
Office build-outs, multi-family — commercial customers pay by ACH for a flat 0.50% (capped at $5).
The terminals we ship for Contractors.
Every device pre-configured for your account, menu, and tip prompts before it ships.
Clover Flex
Take a deposit at the consultation, swipe-and-print right at the kitchen table.
Dejavoo iPOSgo!
Tap-to-pay on the foreman's phone — no hardware needed in the truck.
PAX A920 PRO
For shops with multiple crews — handheld with built-in printer.
Clover Go
Pocket BT reader — pairs with phone, perfect for small specialty trades.
Programs we run
Configured on your account before activation.
- High-ticket underwriting (no artificial limits)
- Surcharge — pass card fees on construction payments
- ACH at 0.50% — for commercial deposits and progress
- Pay-by-link for remote progress payments
- Recurring billing for service contracts
- Card-on-file vaults for repeat customers
Software & integrations
Bidirectional, real-time wherever supported.
- Buildertrend
- Procore
- CoConstruct
- JobTread
- Houzz Pro
- QuickBooks Online for monthly close
Features tuned for Contractors.
What it looks like on a Tuesday.
Kitchen remodel project: GC signs the homeowner Monday at the kitchen table, takes a $14,000 deposit on Clover Flex (homeowner taps their credit card; surcharge adds 3% disclosed in advance). Three weeks in, framing's done — GC sends a Pay-by-Link for the $18,000 progress draw; homeowner pays from her phone the next morning. Mid-project change order ($6,200 for upgraded cabinets) — same Pay-by-Link flow, same surcharge model. Final $8,000 on completion. Total project: $46,200 collected with $0 in card fees absorbed by the GC.
Why generic processors fall short.
Most processors flag any transaction over $5,000 for review, hold funds, and put your cash flow in someone else's hands. They don't understand construction draw schedules, can't do ACH at retail rates, and force you to absorb 3% on jobs where you bid at 15% margin.
The actual math.
A remodel GC doing $3M/year, 100 jobs averaging $30K, with 70% paid by card pays roughly $87K in card fees. With surcharge on credit (60%) and ACH on commercial (30%), effective fees drop to under $5K. That's $80K+ of margin recovered annually.
Contractors questions, straight answers.
Will you underwrite a $50K transaction?
Yes — and a $100K or $250K. We underwrite to your actual ticket profile, not an arbitrary cap.
Will the funds hold?
Not if we underwrite you correctly upfront. We profile your real ticket sizes during application; large transactions don't trigger surprise holds.
Can I pass the card fee to the homeowner?
Yes — surcharge on credit cards is legal in 47 states, with proper disclosure. We set up the disclosure language and the math automatically.
How does ACH work for commercial?
Same payment portal — customer enters their bank account, you charge 0.50% (capped at $5). Next-day settlement.
