Roofing contractors are overpaying by $4,200/year on processing. The high-ticket markup is real.
A 0.5% markup on a $20,000 residential reroof is $100 in pure margin to your processor. On 4 jobs a month, that's $4,800 a year. The math compounds when you add financing-platform fees, deposit-and-final processing, and insurance-claim payments. We pull every line and show you which markups are recoverable.
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What we find auditing roofing.
- $4,200
Median annual overcharge across audited roofing contractors
- 20 to 50%
Typical overpayment range, roofing
- $5K to $30K
Typical job ticket range where every basis point of markup compounds
- 4 minutes
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How it shows up in roofing
Four overcharge patterns we find on nearly every roofing-contractor statement. High-ticket transactions, financing platforms, deposit-and-final processing, and insurance-paid jobs each compound the markup in distinct ways. The audit pulls every line.
- 01
Why does processing a $20,000 roof cost so much?
High-ticket transactions are where percentage markups are most punishing. A 0.5% markup on a $20,000 job is $100 in pure margin to your processor on a single transaction. Most roofing contractors are paying 0.4 to 1.2 percentage points above interchange on residential card-not-present jobs. The audit pulls your actual large-transaction history and flags every markup that compounds.
- 02
Are GreenSky or Service Finance fees double-charging me?
Financing platforms charge merchant fees (typically 2 to 12% of the financed amount depending on term) on top of any card processing fees on the customer's deposit or partial payments. Many roofers do not realize the financing fee and the processing fee on the same job are independently negotiable. The audit isolates financing-platform fees from base processing and shows where double-charging happens.
- 03
Why am I paying processing fees twice on the same job?
Roofing jobs typically run as deposit + final, sometimes with a progress payment in between. Each charge is processed independently and incurs its own per-transaction fee plus markup. On a $20,000 job split into a $5,000 deposit and $15,000 final, you pay processing on $20,000 of card volume across 2 transactions. The audit checks whether your processor is charging optimal per-transaction fees on the deposit-final pattern or padding the markup.
- 04
How much am I losing on insurance-claim payments?
Insurance proceeds (post-storm work, hail damage, ACV-vs-RCV checks) often arrive as ACH, check, or virtual card. Virtual cards from insurance carriers carry processing fees as high as 3.5% with no alternative offered. Many roofers do not know they can decline virtual-card payment and require ACH or check at the same dollar amount. The audit flags virtual-card insurance payments and shows the savings from declining.
Audit findings across roofing contractors.
Three illustrative composite audits drawn from the structural patterns we surface in this vertical. Specific savings figures reflect the median range of recoverable processing overcharges.
- Tampa FLResidential roofing contractor$85,000/month
Per-transaction markup of 0.55% over interchange on $72K residential card volume: $396/mo. GreenSky financing-platform overlap: $185/mo equivalent.
$7,800Saved annually - Dallas TXStorm-damage roofing specialist$120,000/month
Insurance virtual-card payments at 3.4% on $48K of monthly carrier disbursements; ACH alternative would have been $0.30 per transaction. Markup spread: $620/mo.
$11,400Saved annually - Charlotte NCCommercial roofing firm$45,000/month
B2B card-not-present markup of 0.85% over interchange: $230/mo. Surcharging eligibility unused on $28K of B2B credit volume: $145/mo equivalent.
$4,560Saved annually
Illustrative composite. Drawn from structural patterns Payzium audits surface. Not a real customer case.
Built to help you read your own statement.
Find your number.
Upload your most recent processing statement. We read every line, benchmark you against roofing contractors we have audited, and send a written report by email. If we cannot lower your costs, we pay you $500.
Three steps. Roughly four minutes total.
- Step 1
Upload your statement
PDF, PNG, or JPG. Most merchants take less than 2 minutes.
- Step 2
Tell us about your business
60 seconds. Business name, role, monthly volume range, contact info.
- Step 3
Get your written report
24-48 hours. Delivered by email. Yours regardless of whether you switch.
Free. No phone calls. No fine print.