Contractors and trades
Invoicing and card payments for contractors
You bill homeowners and commercial clients for labor and materials, often by the job, and you want a clear invoice today without becoming a payment processor.
ClientBilling may earn a commission if you apply to CDG Commerce through our links. It does not change your pricing. Details
What the invoice tool covers
- Line items for labor, materials, and tax on one invoice
- Payment instructions and an optional pay link on every document
- Partial payments when a deposit lands before the final draw
- Reminders when a job invoice sits unpaid
Unpaid invoices always work. Card fields never appear on ClientBilling. See how invoicing works.
Interchange Plus rates CDG publishes
You pay the card networks' interchange at cost, plus CDG's fixed markup. The markup is published, so the bill is auditable. Band: $10,000 to $200,000 a month. Monthly fee: None published.
0.35% + $0.15
Online, above interchange
0.30% + $0.10
Retail, above interchange
0.25% + $0.10
Nonprofit, above interchange
Source: CDG Commerce interchange plus pricing, checked Sep 17, 2026.
- Note
- Quantum or Authorize.Net gateway included, no per-transaction gateway fee.
- Note
- Countertop terminal placement $79 a year, no purchase required.
- Note
- Interchange and card-network fees are separate and set by the networks.
When this path fits
Pros
- Card volume often sits in the mid range where interchange plus is published
- Keyed and online invoices are common for deposits and progress payments
- You want published markups instead of guessing a flat rate
Cons
- You are under a few thousand dollars a month in cards and a flat rate may still be simpler
- You need job costing, payroll, or estimating software
- You are outside the U.S.
More on the channel page: CDG online payments.