Disclosure: This guide has no affiliate links yet. If we add any later, we’ll label them, and we may earn a commission at no extra cost to you. Read our affiliate disclosure. Rates were checked against each vendor’s own help or pricing pages on October 23, 2026.
How we put this together: We haven’t processed payments through these tools. This guide uses the fees each vendor publishes and works out what they cost on a sample invoice. The math is ours. Where a vendor doesn’t publish a rate, we say so instead of guessing.
Best for…
- Larger invoices from repeat customers (a few hundred dollars and up): a 1% bank (ACH) fee is far below a card fee. All three vendors publish 1% for bank payments.
- Small invoices and one-off customers: cards are easier to collect, but Jobber’s flat 30¢ makes small card payments cost a higher share. Our table below shows the percentage at four invoice sizes.
- Cash-flow sensitive: bank payments are slower. Check the timing table before you push customers to ACH.
The short answer
- On a $400 invoice, Jobber’s online card fee is $11.90 and its ACH fee is $4.00. That is $7.90 less per invoice on ACH (our math from Jobber’s published 2.9% + 30¢ and 1%).
- Housecall Pro publishes “card processing rates as low as 2.59%” and 1% for bank payments. Its ACH FAQ adds that the fee “may vary based on your specific plan.”
- Workiz publishes 1% for bank transfers. The ACH article we read doesn’t give a card rate.
- Bank payments take longer on all three: from 2 days (Housecall Pro’s typical case) to 6-8 business days (Workiz).
1. What each vendor publishes
On a phone, swipe sideways to see more columns.
| Item | Jobber | Housecall Pro | Workiz |
|---|---|---|---|
| Online card | 2.9% + 30¢ | “As low as 2.59%.” No per-transaction fee published on the pricing page. | Not stated in its ACH article |
| Tap to Pay / in person | 2.7% + 30¢ (Tap to Pay in the Jobber app) | Not covered here | Not covered here |
| Bank payment (ACH) | 1%, on all plans, US only | 1% (“processing fee”); may vary by plan, so confirm with support | 1% (“standard rate”), US only |
| Instant payout | Additional 1% fee | Instapay includes ACH, with payouts “within minutes.” The FAQ doesn’t state a fee. | Not covered here |
| Minimum for ACH | Not stated in the article we read | Not stated in the FAQ | $20 for estimate deposits or invoice subtotals |
Sources: Jobber pricing and Jobber bank payments (ACH) help article; Housecall Pro pricing and ACH payments FAQ; Workiz bank transfer (ACH) FAQ. All checked October 23, 2026. Workiz says you pay either the card fee or the bank-transfer fee on a transaction, never both.
2. A $400 invoice, card versus bank
Our math on a single $400 invoice, using only the published rates above. “You keep” is the invoice minus the processing fee, before tax and the plan price.
On a phone, swipe sideways to see more columns.
| How the customer pays | Fee formula | Fee on $400 | You keep |
|---|---|---|---|
| Jobber, online card | 2.9% × $400 + 30¢ | $11.90 | $388.10 |
| Jobber, Tap to Pay | 2.7% × $400 + 30¢ | $11.10 | $388.90 |
| Jobber, bank (ACH) | 1% × $400 | $4.00 | $396.00 |
| Housecall Pro, card at the “as low as” rate | 2.59% × $400 | $10.36 or more | $389.64 or less |
| Housecall Pro, bank (ACH) | 1% × $400 | $4.00 (may vary by plan) | $396.00 |
| Workiz, bank transfer | 1% × $400 | $4.00 | $396.00 |
| Workiz, card | Rate not published in the article we read | Not available | Not available |
- Jobber: ACH saves $7.90 on this invoice compared with an online card. If 20 invoices a month were paid by bank instead of card, that’s $158.00 a month, or $1,896.00 a year (our math, same $400 invoice each time).
- Housecall Pro: at the best-case card rate, ACH saves $6.36 on $400. Your actual card rate may be higher than “as low as.”
- Jobber instant payouts add a 1% fee. Jobber’s page doesn’t say what that 1% is calculated on, so we haven’t put a dollar figure on it.
3. Why small invoices cost more on Jobber cards
Jobber’s card fee has a flat 30¢. Our math on Jobber’s published rates:
On a phone, swipe sideways to see more columns.
| Invoice | Card fee (2.9% + 30¢) | Card fee as % of invoice | ACH fee (1%) |
|---|---|---|---|
| $50 | $1.75 | 3.50% | $0.50 |
| $150 | $4.65 | 3.10% | $1.50 |
| $400 | $11.90 | 2.98% | $4.00 |
| $1,000 | $29.30 | 2.93% | $10.00 |
The flat 30¢ is why a $50 card payment costs about 3.5% while a $1,000 payment costs about 2.9%. A 1% fee stays 1% at every size.
4. What you give up with bank payments
On a phone, swipe sideways to see more columns.
| Item | Jobber | Housecall Pro | Workiz |
|---|---|---|---|
| Time to get paid | Typically 4 business days from when the payment is pending | Often 2 business days; can take up to 6-7 business days | About 6-8 business days after payment, versus 3-4 for cards |
| Refunds | Not available for bank payments older than 90 days | Must start within 90 days of the original payment | Possible within 90 days if the payment was processed |
| Failed payments | Payments can appear successful and later fail inside the 4-day window (usually insufficient funds or disabled debits) | Not covered in the FAQ section we read | Rare case where funds disappear mid-process: $5 fee. If the bank shows no funds up front: no fee |
| Disputes | Not covered here | Not covered here | Final and can’t be appealed; funds go back to the client and you pay a non-refundable $25 fee |
Workiz and Jobber both say ACH is US-only.
5. Questions to ask before you push customers to ACH
- What is my exact card rate on my plan, and does it include a per-transaction fee? (Housecall Pro says the card rate starts at 2.59% and the ACH fee may vary by plan.)
- How many business days until ACH money lands in my account, and can I speed it up? What does that cost?
- What happens, and what do I pay, if an ACH payment fails or the customer disputes it?
- Can I leave ACH on by default on invoices, or do I have to turn it on for each one? (Workiz says you select it every time you send an invoice.)
Bottom line
Card fees are fine for small and one-off jobs, and a flat 30¢ is what makes them sting on little invoices. For $300-plus invoices and repeat customers, a 1% bank fee saves real money (about $8 per $400 invoice on Jobber). The cost is time to payout and a few failure and dispute rules, so test one real ACH payment before you change how you bill.
Before you pay
- Compare your plan price plus fees, not the plan price alone.
- Run one real ACH payment and note the day it lands.
- Confirm the failed-payment and dispute rules for your plan.
Ask support to confirm your rate in writing before you move customers over.
Checked on the vendors’ own pages on October 23, 2026: Jobber ACH help article, Jobber pricing, Housecall Pro ACH FAQ, Housecall Pro pricing, Workiz ACH FAQ. Prices and features change. Spot something out of date? Email mopandmower@gmail.com.
Related guides
- Comparing the two user-based tools? See Housecall Pro vs Jobber for Cleaning and Landscaping Businesses.
- Pricing Jobber for a team? See Jobber Pricing 2026: Plans, Users and Add-On Costs.
- Lawn care on a budget? See Free and Cheap Lawn Care Software for a One-Truck Business.
- Cleaning business? See Jobber vs BookingKoala vs ZenMaid for a 1-5 Person House Cleaning Business.
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