Service businesses are overpaying by $2,400/year on processing. We find every dollar.
Landscapers, handymen, electricians, plumbers, HVAC, roofers, and other trades sit at the intersection of mobile card readers, invoice-based payments, and high-ticket jobs. Each is a margin lever the processor counts on you not testing. We pull every line and tell you exactly which ones are pure markup.
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- Free, no commitment
- Independent audit firm
- Report in 24-48 hours
What we find auditing services.
- $2,400
Median annual overcharge across audited service businesses
- 15 to 40%
Typical overpayment range, service verticals
- 2.6% to 3.5%
Flat-rate band most service businesses default to (rarely the right choice above $15K/mo)
- 4 minutes
To upload your statement, decide later
How it shows up in service businesses
Four overcharge patterns we find on nearly every service-business statement. Trades sit at the intersection of mobile card readers, invoiced jobs, and missing ACH. Each is a margin lever the processor hopes you do not test.
- 01
Why is my Square or Clover reader costing me so much?
Flat-rate mobile readers (Square at 2.6% + 10c, Clover similar) are simple to set up and almost always overpriced above $15K/mo. Service businesses are commonly steered into flat-rate readers because they are easy, not because they are cheap. The audit shows the spread between your flat rate and what an interchange-plus rate would have charged on the same transactions.
- 02
Why am I paying card processing fees on jobs that should be ACH?
Service businesses often invoice 4-figure or 5-figure jobs and accept card payment by default because the processor never offered ACH. ACH for a $5,000 job costs $0.25 to $1.00 flat. Card processing on the same $5,000 costs $125 to $175. Many processors do not surface ACH because they earn less. The audit flags every transaction where ACH would have saved money.
- 03
Could I be passing the credit-card fee to my customers?
Surcharging is legal in most US states for B2B service businesses with proper disclosure. Most processors do not enable it because the merchant absorbing the fee is more profitable for them. The audit checks your card mix (B2B vs B2C, debit vs credit) and tells you whether surcharging would meaningfully reduce your net cost.
- 04
Why are QuickBooks invoice payments costing me 2.9%?
QuickBooks Payments and similar invoice-platform fees default to flat-rate pricing (2.9% + 25c for keyed-in transactions). Most service businesses paying through QuickBooks are paying 100 to 200 basis points above what a stand-alone interchange-plus processor would charge. The audit isolates platform-payment fees from base processing fees and shows where the markup compounds.
Audit findings across service businesses.
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.
- Atlanta GAIndependent landscaper$24,000/month
Square flat-rate at 2.7% effective; interchange-plus alternative would have been 1.95% all-in. Markup spread $180/mo, plus $145/mo equivalent on missing ACH option.
$3,840Saved annually - Indianapolis INHVAC service company$48,000/month
Mobile reader markup of 0.45% over interchange: $189/mo. Missing ACH option on $6K commercial maintenance contracts: $255/mo.
$5,400Saved annually - Phoenix AZElectrical contractor$32,000/month
QuickBooks Payments flat-rate spread vs interchange-plus alternative: $192/mo. Recoverable PCI non-compliance fee on file 14 months: $49/mo.
$2,890Saved 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 service businesses 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.