FSM Payment Processing Fee Calculator
See what Jobber and Housecall Pro actually take in card processing fees per job, per month and per year — using each vendor's own published rates.
How this is calculated
Every job is split across the three payment rails in the proportions you enter, then each slice is charged at that platform's published rate for that rail.
railJobs = jobsPerMonth × (railShare% / 100)
railVolume = avgTicket × railJobs
railFee = (rate% / 100) × railVolume + fixedFee × railJobs
monthlyFee = Σ railFee
perJobFee = monthlyFee / jobsPerMonth
effective% = monthlyFee / (avgTicket × jobsPerMonth) × 100
Rates come from src/lib/business/pricing-data.ts, which stores one
primary-source URL and a verification date against every figure. Jobber publishes
all three rails with their fixed components. Housecall Pro publishes a card rate
"as low as" a floor and does not publish the fixed per-transaction fee that goes
with it, so its totals are shown as a lower bound — the percentage term
only, never a fixed fee borrowed from another vendor. ServiceTitan and Workiz
publish no processing terms at all and are shown as quote-only rather than
estimated.
The "your current processor" comparison uses only the rate you type in. No third-party processor rate is preloaded, because none could be verified against a live published rate card at build time.
What Jobber and Housecall Pro actually take out of a job
Jobber publishes 2.9% plus 30 cents on keyed and online card payments, 2.7% plus 30 cents on Tap to Pay, and 1% with no fixed fee on bank payments. Housecall Pro publishes a card rate “as low as 2.59%” and 1% on bank payments, but no fixed per-transaction fee for either. On a $450 invoice, Jobber’s keyed-card fee is $13.35 and its bank-payment fee is $4.50. ServiceTitan and Workiz publish no processing rate at all.
What each platform actually puts in writing
Every figure below was read from the platform’s own pricing page, and each carries the date it was actually read rather than one stamp for the whole table. Jobber’s three rates and Housecall Pro’s card rate were read on 22 August 2026; Housecall Pro’s 1% bank-payment rate was last verified on 29 June 2026 and has not been re-read since. ServiceTitan’s and Workiz’s pricing pages were both checked on 22 August 2026 and still published no rate. Nothing here is sourced from a comparison blog, and nothing is filled in by inference — including the verification dates, which is why one of them is older than the rest.
| Platform | Keyed / online card | Tap to Pay | ACH / bank | Fixed per transaction |
|---|---|---|---|---|
| Jobber | 2.9% | 2.7% | 1% | 30¢ on card and Tap to Pay; none on ACH |
| Housecall Pro | as low as 2.59% | no separate rate published | 1% | not published |
| ServiceTitan | not published | not published | not published | not published |
| Workiz | not published | not published | not published | not published |
That table is the whole reason this calculator exists. Two of these four platforms will tell you what a card payment costs before you talk to anyone; the other two will not tell you anything until you have spoken to a salesperson. A comparison that prints a confident number in all four rows is inventing two of them.
”As low as 2.59%” is a floor, not a rate
Housecall Pro’s published card rate is the bottom of a range. It is the number an account might qualify for, not the number every account is charged, and the platform does not publish what moves an account up from it. There is also no fixed per-transaction component anywhere on the page: where Jobber publishes 30 cents alongside its card and Tap to Pay rates, Housecall Pro’s equivalent line is simply absent.
That has a concrete consequence for the math on this page. When Housecall Pro appears in the results table, its figures are marked “from” and footnoted, because they contain the percentage term only. The calculator does not borrow Jobber’s 30 cents to fill the gap — a plausible-looking number in an unpublished field is worse than an honest blank, and would quietly understate or overstate the bill depending on your average ticket. On a book of small tickets, an unpublished fixed fee is the difference between a competitive rate and an expensive one: 30 cents on a $60 tune-up is half a percentage point on its own.
Keyed, tapped, and banked are three different prices
Most operators think of “card fees” as one number. On Jobber they are three. A keyed or card-on-file payment costs 2.9% plus 30 cents; the same amount tapped on a phone in the customer’s driveway costs 2.7% plus 30 cents; the same amount pulled from a bank account costs 1% and no fixed fee.
Run that across a real month. Forty jobs at a $450 average is $18,000 collected. At a 70/20/10 split across keyed, tapped and bank payments, Jobber’s processing comes to $491.40 a month, or $5,896.80 a year. Collect all $18,000 by bank transfer instead and the same month costs $180 — a difference of $311.40 a month, or $3,736.80 a year, for the same work and the same invoices. That is the largest single lever this table exposes, and it costs nothing to pull other than asking. The trade-off is settlement speed and customer friction, not fees; faster-payout charges are a separate product and are excluded from this calculator, which prices the processing rate only.
The two platforms that will not tell you
ServiceTitan publishes no processing terms at all. Every plan on its pricing page shows “Request Pricing” and routes to a demo form, and the only pricing claim the page makes about the product is the shape of the model: “Our per-technician pricing is designed to fit your business and goals, at any size.” Workiz publishes no rate for its payments product either. Per-transaction figures for either platform that circulate on comparison sites cannot be traced to a primary source, so this calculator shows both as quote-only and leaves the cells empty rather than filling them with something that looks authoritative.
If you are being quoted by either, the number to ask for is not the headline percentage. Ask for the percentage, the fixed per-transaction fee, the rate for card-present versus keyed transactions, the bank-payment rate, and whether any of them change after an introductory period. Those five answers are what this calculator needs, and they are what a rate sheet is for.
Where the processing rate fits in the rest of the bill
Processing is one layer of a field-service software bill, not the whole thing. The FSM software true-cost calculator stacks it on top of the base subscription, per-seat charges and add-ons to produce an all-in monthly figure; per-vendor breakdowns live on the Jobber pricing calculator and the Housecall Pro pricing calculator, and the best field-service software roundup covers what each platform does for the money. Where processing differs from the rest is that it scales with revenue rather than headcount: doubling your book doubles the fee, while the subscription stays flat.
That is also why the fee interacts with how fast you get paid. Every rail on the table above is a rail you have to get the customer onto in the first place, which is the subject of the guide to getting paid faster; invoices that age past terms cost you more than any rate spread, and the invoice late fee calculator prices that side of the ledger. A percentage point of processing spread is worth chasing only after the collection problem is solved.
Using your own rate instead
If you already have a merchant account, enter its percentage and fixed fee in the optional field and the calculator will price your current setup alongside the platforms. That field ships empty on purpose: no third-party processor rate is preloaded here, because no such published rate card could be verified against a live primary source when this page was built. Your own statement is the primary source that matters anyway — the rate a platform advertises and the rate your account is actually charged are frequently not the same number.
Frequently asked questions
How much does Housecall Pro charge for card payments?
What are Jobber's payment processing fees?
Do ServiceTitan and Workiz publish their processing rates?
Sources
- Jobber Pricing. Jobber. Retrieved .
- Housecall Pro Pricing. Housecall Pro. Retrieved .
- Workiz Pricing Plans. Workiz. Retrieved .
- ServiceTitan Pricing. ServiceTitan. Retrieved .