Service Business Merchant Account

Reliable Service Business Payment Processing

Our team helps service businesses accept payments anywhere - on site, by invoice or online. You will work with a dedicated account manager who helps you choose the service payment solutions that fit your trade and how your customers like to pay.

We integrate service business credit card processing with the invoicing, scheduling and accounting software you already use - no technical skills required. Once you apply, you will complete a short application covering your business and processing volume, and our service payment processing team finishes setting up your merchant account.

From contractors and home services to salons, agencies and professional firms, we provide affordable, reliable credit card processing with mobile readers, invoicing and recurring billing to keep your cash flow steady.

What our Service Business merchant services deliver

Everything you need to accept payments and grow with confidence.

  • Simplified processing
  • Safe, secure transactions
  • Professional account management
  • Instant access to your funds
  • Diverse payment options
  • Easy-to-use payment solutions
Why Choose Karma Card Payments

Built for the way service businesses operate

There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your service business. Here are the key benefits our payment solutions offer.

Service Business Payment Gateway

Our service business payment tools are designed to get you paid wherever the work happens. We give you mobile card readers, send-and-pay invoices, online payment links and saved-card billing - so customers can pay on site, by text or online.

Chargeback Protection

Chargebacks and disputes can affect any service business. We help you reduce them with clear invoices, signed receipts and card-on-file authorizations, protecting your revenue and keeping your merchant account in good standing.

Fraud Prevention Tools

Fraud prevention is built into every transaction we process. Our solutions use address verification, CVV checks and tokenization to flag suspicious payments - protecting your service business from costly fraud and chargebacks.

Industries We Support

Types of service businesses we support

Service businesses come in every form. We provide reliable, flexible payment processing for pros and providers of every size.

Contractors & Trades
Home Services
Salons & Spas
Cleaning Services
HVAC & Plumbing
Landscaping
Auto Repair
Agencies & Consultants
Professional Services
Repair & Installation
Event Services
Plus many more

Get started today

Share your contact details and a member of our service payment processing team will schedule a call to build the right merchant account for your service business.

FAQ

Service Business payment processing - frequently asked questions

Answers to the questions service businesses ask us most about mobile payments, invoicing, fees and getting approved.

How can my service business accept payments?

We provide flexible service payment solutions for however you work:

On site: Mobile card readers that accept tap, chip, swipe and digital wallets from your phone or tablet.

By invoice: Send-and-pay invoices and payment links by email or text.

Recurring: Card-on-file and recurring billing for contracts, retainers and memberships.

What are the credit card processing fees for service businesses?

Service business processing fees typically range from 1.5% to 3%. Rates depend on whether payments are taken in person, by invoice or online.

We offer transparent pricing with no surprise fees and tools that help you get paid faster and keep more of every job.

What do I need to apply for a service business merchant account?

To speed up approval of your service business merchant account, gather the following before you apply:

  • Government-issued photo ID
  • Signed merchant application
  • Voided check or bank letter
  • Three months of recent bank statements
  • Three months of prior processing statements (if available)
  • Details about your service business and the products or services you sell

Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.

Do you offer mobile readers and invoicing?

Yes. We provide mobile card readers, digital invoicing and online payment links so you can collect payment on site, by text or online. Your dedicated account manager helps you set up the right mix of tools for your service business.

How long does service business merchant account approval take?

Most service business merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Submitting accurate statements and business details up front is the fastest way to get your account live.