Overview
Housecall Pro Payments is a built-in payment system that lets you collect money directly from your customers without leaving the platform. Everything lives in the same place you already run your business: your jobs, your invoices, and your reports.
When a customer pays through an invoice you send, the payment is recorded automatically, your job is marked paid, and the money moves to your bank. No chasing, no manual entry.
Did you know? Pros who use payments with Housecall Pro get paid 2X faster.*
How do I activate payments with Housecall Pro?
Activating Payments takes just a few minutes. Go to My Money > Set up payments to connect your business bank account and verify a few details about your business. Once that’s done, you are ready to start accepting payments.
📖 Help Center Article:
Check out How Do I Set My Bank Account for Payouts to learn more about how to set up payments.
What payment methods are available after activating payments?
When you activate Housecall Pro Payments, the following payment methods are turned on automatically:
Credit and debit cards and digital wallets: Your customers can pay by card through any invoice you send or in person using a card reader or Tap to Pay on Mobile. Cards are the most widely used payment method and work for virtually every customer.
ACH (bank payments): Customers can pay directly from their bank through the payment link on their invoice. Your customer pays the same way they would with any online bill, and the money goes straight to your bank.
Klarna (Buy Now, Pay Later): Klarna lets your customers split their payment into interest-free installments or through financing, making it easier for them to say yes to bigger jobs. You get paid in full once the job is confirmed complete.
Note: Starting in March 2026, Klarna is automatically enabled for all new Pros activating Housecall Pro Payments.
If you activated payments with Housecall Pro before March 2026, Klarna is not automatically turned on for your account. You can enable it separately by going to Settings > Invoices and toggling Klarna on. Check out our Klarna FAQ for more details.
What additional payment methods can I activate?
Beyond the payment methods automatically enabled upon payment setup, you can add additional payment options to give your customers even more flexibility.
Consumer financing: Let your customers pay over time by offering financing options on estimates and invoices, while you get paid in full once the job is complete. To apply to offer financing, go to My Money > Consumer Financing.
Tap to Pay on Mobile: Turn any iPhone or Android phone into a contactless payment terminal with no card reader hardware required. Your techs can collect payment on-site by simply holding the customer's card or phone to theirs. Tap to Pay is available on My Apps > Tap to Pay on Mobile.
Card reader: Swipe, tap, or chip a customer's card in the field. It’s fast, professional, and works great for any job where you are collecting payment at the door. Card readers are available for purchase in My Money > Card Reader.
Mobile check deposit: Use the Housecall Pro app to photograph and deposit paper checks from the field to skip the trip to the bank. To activate, go to My Money > Activate Mobile Check Deposit.
PayPal and Venmo (coming soon): PayPal and Venmo will soon be available as payment options for customers. Stay tuned for updates.
How do I manage which payment methods my customers see?
You’re in control of which payment methods appear on any given invoice, either across all invoices or on individual invoices as needed.
For all invoices: Go to Settings > Invoices > Payment Methods to toggle your payment methods. Whatever you turn on or off here applies to every future invoice you send, unless you override it on a specific invoice.
Per-invoice: On any individual invoice, you can override your invoice settings and toggle specific payment methods on or off for just that customer.
Note: Per-invoice settings are available for card, ACH, and saving a customer’s card on file. Klarna will soon be available to toggle on a per-invoice basis.
This flexibility means you can tailor the payment experience to each job and each customer without changing your overall setup.
Processing Fees and Payout Times
Your processing fee and payout times depend on how the payment is collected. Fees are deducted before the deposit hits your bank, so what lands in your account is the net amount after the fee.
Payment Method | Processing Fee | Standard Payout Speed |
Card reader or Tap to Pay (swiped, tapped, or chipped) | 2.59% per transaction
Tap to Pay is an additional $5 per active device per month. | 2 business days
Your first payout may take up to 5 business days. |
Card is entered online by the customer via an invoice emailed to them. | 2.99% per transaction | 2 business days
Your first payout may take up to 5 business days. |
Card manually entered by staff, scanned in the app, or saved as a card on file | 3.49% per transaction | 2 business days
Your first payout may take up to 5 business days. |
ACH / bank transfer | 1% per transaction | 1-2 business days
Some ACH payments are subject to review, which may prolong their processing time to up to 7 business days. |
Instapay (available for card and ACH payments) | +1% on top of card or ACH processing fee | Within 30 minutes, even on weekends and holidays. |
Klarna (Buy Now, Pay Later) | 4.99% per transaction | 2 business days after the customer pays through Klarna. |
Consumer Financing | Starting at 3.9% | Varies |
Mobile Check Deposit | Free | 1-4 business days |
*Avg. experience of Pros processing at least half of their payments with Housecall Pro over the past year.
Having trouble finding what you need?
For further assistance, please reach out to our Chat Support team
via the Blue Chat Bubble in your Housecall Pro account, or
contact our Phone Support team at (858) 842-5746.
Need help with understanding your business numbers?
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