Get paid faster.
Without chasing a single invoice.
83 days. That’s the trades industry average to collect payment after finishing a job. Slow payments cost the U.S. trades industry an estimated $280 billion per year and leave 43% of contractors without enough working capital to cover unexpected expenses. With digital invoicing, one-click payment links, and automated reminders, most residential jobs pay in under 7 days. For high-ticket jobs, offer financing directly from your invoice so customers can say yes without budget being the reason they don’t.
You finished the job. Now comes the hard part.
Getting the work done is your expertise. Getting paid? The trades industry averages 83 days to collect after a completed job. That gap funds your competitors, not your business.
Professional invoicing in three taps.
Create, send, and track invoices from the same dashboard where you manage everything else.
Send branded invoices
Create invoices in your dashboard with your logo, line items, and terms. Send before you leave the job site while the scope is fresh: an on-site invoice reduces disputes because the customer can review and approve what they're paying for in the moment rather than weeks later when job details blur and memory shifts. For multi-day or multi-week jobs like HVAC installs or remodels, invoice by milestone so cash flows throughout the project instead of 83 days after you finish. Send via email or SMS in seconds.
Collect deposits & payments
Require a 25 to 50% deposit at booking before work begins, or collect full payment on-site before you leave. Leaving without payment increases the probability of a delayed collection by 40% within the first 24 hours. Customers pay with a single tap via credit card, debit card, ACH transfer, Apple Pay, or Google Pay. For high-ticket jobs over $1,000, offer Buy Now, Pay Later financing directly from the invoice: the financing provider pays your business the full amount upfront, and the homeowner pays in installments. Giving customers three or more payment options is one of the highest-leverage changes a service business can make: 81% of contractors who do report measurably faster collection.
Track everything
See what’s been paid, what’s outstanding, and who needs a nudge. Track average time-to-payment, outstanding balances, and month-over-month collection trends from a single dashboard. Automated payment reminders do the chasing for you.
Payments built for the field.
Every feature designed for how home service businesses actually work.
Stripe-powered payments
Accept credit cards, debit cards, and ACH transfers. Industry-standard processing, competitive rates.
Branded invoices
Professional invoices with your logo, itemized services, and custom payment terms.
Deposit collection
Require a deposit at booking to protect your schedule and reduce no-shows.
Automated payment reminders
Overdue invoices trigger automatic reminders via SMS and email. You never have to ask awkwardly.
Mobile payment links
Text a payment link from the job site. Customers pay from their phone before you’ve packed up the truck.
Revenue tracking
See total revenue, outstanding invoices, and average time-to-payment in your dashboard.
Customer financing
Offer Buy Now, Pay Later financing on jobs from $500 to $25,000 directly from your invoice. Homeowners apply and approve in minutes at the job site. The financing provider pays your business the full job amount upfront minus a processing fee, so you collect immediately while the customer pays over time. Contractors with a financing option close 35% more high-ticket jobs and average 15 to 20% higher ticket sizes than those without one.
Tap to Pay in the field
Use your iPhone or Android as a card reader. Customers tap their card, Apple Pay, or Google Pay on your phone and the payment processes instantly. No dedicated hardware required.
Included in your plan.
See which plans include Payments & Invoicing.
Invoicing & payments are included in Growth and Scale plans. Standard Stripe processing fees apply.
Common questions.
What payment methods can customers use?
Credit cards, debit cards, and ACH bank transfers via Stripe. ACH is significantly cheaper: 0.8% per transaction capped at $5, compared to 2.9% + 30 cents for card processing. For jobs over $500, giving customers an ACH option saves you real money at scale.
Can I require deposits at booking?
Yes. You can set a required deposit amount or percentage for any service. Customers pay online when they book. A 25 to 50% deposit at booking eliminates most no-shows, filters out window-shoppers, funds your material costs before the job starts, and gives you a documented payment record if a dispute arises.
Are there extra fees beyond Stripe’s rates?
No. Standard Stripe processing fees apply: 2.9% + 30 cents per transaction for cards, 0.8% capped at $5 for ACH bank transfers. 73 Labs does not add any additional fees on top of Stripe’s rates.
Can I send invoices from my phone?
Yes. Create and send invoices from the mobile dashboard, or text a payment link to the customer directly from the job site. Customers pay from their phone before you’ve packed up the truck.
How much faster do contractors get paid with online invoicing?
Significantly faster. The trades industry averages 83 days to collect payment on a completed job. Contractors who send digital invoices with embedded one-click payment links and automated reminders collect most residential jobs in under 7 days. The combination of instant delivery, a frictionless payment link, and an automated follow-up on day 3 is the fastest collection cycle available without a collections agency.
How do automated payment reminders work?
When an invoice goes unpaid past your payment terms, the system sends an automated reminder via SMS and email with a direct payment link. You control the timing and wording. The reminder goes out automatically. You never have to track unpaid invoices manually or make an awkward call asking for money you’re already owed.
What payment terms should I use for residential jobs?
For most residential home service jobs, due upon completion or net 3 to net 7 is the right call. Longer terms like net 30 belong on commercial accounts, not homeowners. When an invoice says Net 30, it goes in a pile. When it says Net 14 or due upon completion with a one-click payment link, it gets attention and gets paid. Send the invoice on-site before you leave: the customer can review the scope while it's fresh, and there's no gap for details to blur or for them to mentally move on. The longer the gap between completion and invoice, the more payment drags. For invoices over $670, offer ACH as a payment option. At 0.8% capped at $5, it saves you significantly versus card processing: on a $5,000 HVAC invoice, ACH costs $5 versus $145 via credit card.
Should I charge a late payment fee on overdue invoices?
Yes. A late fee clause is one of the most effective tools for reducing average collection time in the trades. A 1.5% monthly fee (18% annually) is standard and widely accepted by residential customers when disclosed upfront. It does two things: creates urgency to pay before the due date, and compensates you for the real cost of carrying unpaid receivables. Carrying $100,000 in outstanding invoices for 60 days costs roughly $1,600 in interest on a standard business line of credit, before you count opportunity cost. State your late fee terms on the estimate, in your contract, and in the invoice header so it is never a surprise. Most disputes over late fees happen when the customer didn't see the terms until the invoice arrived. When customers know from the start that overdue balances accrue a monthly fee, they prioritize you over other bills that don't.
Does the invoicing system integrate with QuickBooks or other accounting software?
Yes. The platform connects with QuickBooks Online, Xero, and other accounting tools via API and Zapier integrations, syncing invoice data directly to your books without manual re-entry. When a job closes and an invoice is sent, line items, payment status, and client records update in QuickBooks automatically, no CSV exports, no duplicate entry, no reconciliation surprises at tax time. For service businesses already using Jobber, Housecall Pro, ServiceTitan, or Builder Prime for scheduling and dispatch, those platforms connect to the invoicing and payment layer through the same integrations. We configure the integration during onboarding so everything flows from the first job.
What is DSO and why does it matter for my cash flow?
DSO stands for Days Sales Outstanding: the average number of days between completing a job and receiving payment. The trades industry average DSO is 83 days. That gap means you’re fronting labor, materials, overhead, and payroll for nearly three months on money you’ve already earned. Digital invoicing with online payment, required deposits, and automated reminders is how residential service businesses bring DSO under 7 days and break the feast-or-famine cash flow cycle that stalls profitable businesses.
Should I offer financing to customers?
Yes, especially for high-ticket jobs. 29% of homeowners expect to find financing information on a contractor’s website before they call. For jobs over $3,000, whether it’s a new HVAC system, a roof replacement, or a kitchen remodel, budget is often the reason a homeowner doesn’t book on the spot. Contractors who offer point-of-sale financing close high-ticket jobs 35% more often and average 15 to 20% higher ticket sizes than those who don’t. The most practical option in 2026 is Buy Now, Pay Later: providers like Wisetack cover job amounts from $500 to $25,000, approve homeowners in minutes without a hard credit check, and pay your business the full amount upfront minus a processing fee of roughly 3 to 4%. You don’t wait for the customer’s installments. The homeowner pays over time. You collect the day the job closes. Financing is no longer a premium add-on. It’s a standard competitive expectation in 2026. Homeowners who say they need to think about it are often saying they need a payment path, not more time. A BNPL option closes that gap at the moment they’re most ready to buy.
What is Buy Now, Pay Later (BNPL) and how does it work for contractor jobs?
Buy Now, Pay Later is a financing model where a third-party provider pays your business the full job amount upfront, then collects installment payments from the customer directly. For contractors, this means you get paid the day the job closes, without waiting for the customer to arrange financing through their bank or credit card. Providers like Wisetack offer BNPL for home service jobs from $500 to $25,000. The homeowner applies on their phone at the job site, gets an instant decision without a hard credit check, and selects a monthly payment plan. Your business receives the full amount minus a processing fee of roughly 3 to 4%, which is comparable to a credit card transaction. You don’t carry any financing risk and you don’t wait for installments. For high-ticket trades like HVAC replacement, roofing, and bathroom remodels, BNPL removes the single most common reason homeowners delay: the upfront cost. Offering a monthly payment option at the time of the estimate, before the customer even leaves, closes jobs that would otherwise result in a week of follow-up calls and a lost customer.
What is milestone billing and when should I use it?
Milestone billing means sending invoices at defined project stages rather than waiting until the entire job is complete. For a residential job done in a day or two, invoicing at completion is standard. For larger jobs, a multi-week HVAC install, a bathroom remodel, or a roofing replacement that spans several days, milestone billing keeps cash flowing instead of waiting 30, 60, or 83 days after the project wraps. A typical milestone structure is 25 to 30% at signing, 40 to 50% at midpoint when major materials are in or rough work is done, and the remainder at completion. Businesses using milestone invoicing on larger projects typically reduce their average collection window by 30 to 50 days compared to invoicing at completion.
Can I accept in-person card payments without a dedicated card reader?
Yes. Tap to Pay on iPhone and Android lets you accept contactless card payments using your smartphone. No separate card reader required. The customer taps their card, Apple Pay, or Google Pay on your phone and the payment processes instantly. This is built for field service work: finish the job, pull out your phone, and collect payment before you pack up the truck. Processing rates for tap-to-pay transactions are lower than for online invoice payments: approximately 2.7% plus 5 cents per in-person transaction versus 2.9% plus 30 cents for invoiced card payments. On a $300 service call, that difference is about 26 cents saved per job. For a business running hundreds of jobs per month, it adds up.