Contractors and construction businesses often see a significant portion of their hard-earned revenue vanish into credit card processing fees, compounded by the frustration of slow deposit timelines. Builder Pay Pro has launched a new payment platform specifically designed to solve these issues, offering a system that eliminates processing fees through dual pricing and accelerates cash flow with same-day deposits. We spoke with a Company Representative from Builder Pay Pro to discuss how this new tool is changing the financial landscape for tradespeople across the United States.
Q: You’ve recently launched Builder Pay Pro to address specific financial pain points for contractors. What was the primary motivation behind creating a platform focused on eliminating credit card fees?
Builder Pay Pro Representative:
Purchasing habits among homeowners have changed over the years; the days of paper checks, cash, and mailed payments are fading. Clients now prefer to pay online, with the option to pay via ACH or credit card. The problem for contractors is the 3.5% credit card processing fees are not typically accounted for in the bid process, so losing that 3.5% directly hits our bottom line, and in an industry that struggles with margins, this can really add up over time. We built Builder Pay Pro to allow clients to pay however they prefer, with no charge to process ACH payments. However, if they want their reward points on their credit card, the contractor should not pay for that.
Q: A key feature of your platform is “dual pricing.” Can you explain how this mechanism works to protect contractor revenue while still offering flexibility to customers?
Builder Pay Pro Representative:
A key feature of our platform is dual pricing, which is specifically designed to protect contractor revenue while still giving homeowners real flexibility at checkout. The contractor starts by setting one “job price” — the full, profitable amount they need to collect to maintain their margins. From there, the platform presents two payment paths to the customer: a standard price when they pay by credit card, with the processing fee already included in the total, and a discounted price when they choose lower-cost options such as ACH or bank transfer. In both cases, the contractor’s net revenue is effectively the same; they’re not quietly losing 3% of every job to card fees. For customers, the experience feels like an empowered choice rather than a penalty or surprise surcharge: “Pay by bank and save” versus “Pay by card for convenience.” Dual pricing aligns incentives on both sides — it preserves contractor margins by design while meeting modern customers’ expectations for convenience and transparency.
Q: Cash flow is critical in construction. The press release mentions “same-day or next-day deposit capabilities.” How does Builder Pay Pro achieve this, and what impact have you seen on payment collection times?
Builder Pay Pro Representative:
In construction, the real cash-flow win isn’t exotic banking rails; it’s shortening how long it takes customers to pay you. Rather than promising same-day deposits, Builder Pay Pro is designed to reduce Days Sales Outstanding. Contractors can send electronic invoices in a click via email or text, include mobile-friendly payment links, and set up automated reminders and past-due nudges so bills don’t fall through the cracks. Homeowners can pay on the spot using their preferred method, and saved payment details, automatic payments, and recurring plans make it easy to keep multi-draw or recurring projects up to date. The result is that, instead of waiting 20–30 days for a check to arrive and clear, most payment requests are completed within a day or two, and funds follow on normal card or ACH timelines. Practically speaking, that means cash reaches the contractor’s account weeks earlier than under traditional processes, which has a much greater impact on working capital than shaving a few hours off the bank settlement window.
Q: Beyond processing payments, you offer tools for invoicing and integration. How does Builder Pay Pro streamline the administrative side of a contractor’s business, particularly regarding software like QuickBooks?
Builder Pay Pro Representative:
Beyond processing payments, Builder Pay Pro is designed to streamline the administrative work that usually lives in half a dozen places. Contractors can create clear, professional invoices, send them via email or text, and automate reminders for upcoming and past-due invoices, reducing time spent chasing payments and reducing forgotten receivables. On the back end, Builder Pay Pro connects to QuickBooks Online in just a few minutes. It maintains an accurate two-way sync, keeping invoices and payments aligned across both systems without double data entry or manual reconciliation. When a contractor updates an invoice, sets up installments, or records a payment in Builder Pay Pro, that activity flows into QuickBooks automatically—and the same is true in reverse—so the books stay current. At the same time, the field team focuses on jobs, not bookkeeping. In short, you keep everything you like about QuickBooks, but with automated invoicing, reminders, and payment workflows layered on top, giving you cleaner books with zero disruption to your existing accounting process.
Q: You serve a wide range of sectors, from roofing to electrical. Why is it important for contractors to have a payment solution designed specifically for the construction industry rather than using generic payment processors?
Builder Pay Pro Representative:
At Builder Pay Pro, we know the challenges contractors face because we too are in the industry. Most of the other platforms are designed to be one size fits all for all industries and construction is unique in so many ways that we believe we need a platform that fits our specific needs. The way we invoice with progress payments and the ability for BPP to directly integrate with Quickbooks Online lowers the amount of data entry and extra work with other programs. Furthermore, the tools that we are working on now will allow for even more integrations with common remodeling CRM’s and solve other problems that we have – all within BPP.
To learn more about the platform, visit https://builderpaypro.com/.
