For roofing contractors

Roofer Merchant Processing — Including High-Risk Accounts

Approvals when other processors say no. Roofing-specific underwriting for storm-chase, insurance, and high-ticket replacement work.

What you get
  • Mobile card readers for the field
  • Tap-to-pay on iPhone & Android
  • Send invoices with pay-by-link
  • ACH and credit card acceptance
  • Recurring billing for service plans
  • Next-day or same-day funding
  • Surcharging & cash discount programs
  • Integrations with Jobber, Housecall Pro, QuickBooks

Built for the way roofing contractors actually get paid

From estimate to final payment, our processing platform is shaped around field service work — large tickets, deposits, mobile payments, and recurring service agreements.

High-risk approvals

Roofing trades approved that Stripe and Square typically shut down.

Large-ticket discount

Volume pricing on $10K–$40K replacement jobs.

Insurance check handling

Process supplements and deductibles cleanly with deposits & ACH.

Customer financing

Close more bids by offering 12–24 month payment plans.

Storm-season scaling

No volume caps when work explodes after a hailstorm.

Chargeback defense

Dedicated support to fight 'I never authorized' claims.

Switching is easy

Three steps to lower roofer processing rates

1. Send your statement

Email a recent processing statement. We do a free side-by-side comparison.

2. Sign your new account

Approval in 24 hours for most contractors. No long-term contract.

3. Start saving

Go live on new rates with hardware shipped or your existing terminal reprogrammed.

Roofer merchant processing FAQ

Why did Square or Stripe shut down my roofing account?

Aggregators like Square and Stripe flag roofing as high-risk because of large tickets and chargeback frequency. A true merchant account underwritten for roofing solves this.

Can I take a deposit on a roof replacement before work starts?

Yes — collect 25–50% by card or ACH. We help structure the deposit language so it holds up if a chargeback is ever filed.

How do I cut fees on a $25,000 replacement?

Push large-ticket payments to ACH bank transfer. Cards stay available for deposits and smaller balances.

What documentation helps win roofing chargebacks?

Signed contract, before/after photos, time-stamped delivery, and a copy of the cardholder's authorization. We provide a dispute response template.

Related contractor processing solutions

Ready to get paid faster?

Get Roofer Payment Processing Pricing

See how much roofing contractors are saving on processing fees with our trade-specific pricing.

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