Passing the card fee to the customer sounds simple until you meet the caps, the debit exclusion and the state bans. We read the fee documentation for 16 field service tools and ranked the 10 with a built-in pass-through, including what each one leaves up to you.
The best CRM with card fee pass-through for contractors in 2026 is QuoteIQ. It adds a convenience fee to invoices, keeps it attached through recurring invoices and QuickBooks sync, and starts at $29.99 a month. Housecall Pro has the most compliance-engineered option: credit-only, state-aware surcharging capped at 3%, though third-party reports say it is still rolling out. ServiceM8, JobNimbus, FieldPulse, Workiz, Kickserv, Tradify, Buildertrend and Contractor+ complete the ten. Jobber and ServiceTitan still rely on manual line items. Before you turn any of it on, check your state: a March 2026 industry summary lists Connecticut, Maine, Massachusetts and Puerto Rico as surcharge bans.
| Rank | Platform | Starting Price | Best For | Standout Feature |
|---|---|---|---|---|
| #1 | QuoteIQ | From $29.99/mo | Contractors who want the fee inside a full quote-to-paid workflow | Convenience fee that stays attached through recurring invoices and QuickBooks sync |
| #2 | Housecall Pro | From $59/mo (billed annually) | Teams that want the software to enforce credit-only and state limits | Credit-only surcharging capped at 3%, with lower state caps applied automatically |
| #3 | ServiceM8 | Free plan; paid from $29/mo | Owners who only want to surcharge larger invoices | Threshold rule: never, or over $500, $1,000, $2,000, $5,000 or always |
| #4 | JobNimbus | Quote only | Roofing and exterior sales-to-production teams | Surcharge setting with Visa 3% and 4% network caps documented |
| #5 | FieldPulse | Quote only | Shops that prefer dual pricing to a visible surcharge | Card price and cash or ACH price shown on every estimate and invoice |
| #6 | Workiz | Quote only | Dispatch-heavy teams that want a simple on/off switch | Service fee toggle inside Workiz Pay |
| #7 | Kickserv | From $60/mo (billing basis not stated) | Teams that want to choose a percentage or a flat fee | Choice of percentage (up to 4%) or flat fee, with optional tax on the fee |
| #8 | Tradify | From $47/user/mo | Small trades teams that want per-invoice control | Default per document theme plus an invoice-level override |
| #9 | Buildertrend | Quote only | Builders and remodelers on Buildertrend Payments | Account-wide or per-job “client pays credit card fees” setting |
| #10 | Contractor+ | Free plan; Pro from $29/mo (billed annually) | Solo contractors who mainly need invoices | Per-invoice toggle to pass the processing fee to the client |
Prices checked October 10, 2026 on each vendor’s own pages. “Quote only” means the vendor publishes no plan price. Vendors change prices and fee terms often, so confirm before you buy.
We’re QuoteIQ. We made this list. We also put our own platform at #1, so here is exactly how we ranked and where each tool falls short, ours included. We started with 16 field service tools and read each vendor’s own fee documentation: help-center articles, pricing pages and payment-terms pages, not marketing summaries. Where a page could not be read, or two pages disagreed, we say so in the entry. We did not run hands-on tests, so every product claim here is documentation-based. Five criteria set the order:
Card fees are a real cost of doing business, and Justin Rogers’s definition of profit is the lens for this list:
“Profit is what remains after every cost is covered including a market-rate salary for the owner’s time.”
— Justin Rogers, Co-Founder of QuoteIQ
Housecall Pro’s surcharging is the most carefully engineered feature we found, and if enforced compliance is your only criterion it could reasonably top this list. We put QuoteIQ first because it pairs a convenience fee on invoices with the rest of the quote-to-paid workflow, from a published entry price of $29.99 a month, and because the fee stays attached when invoices are duplicated, repeated on a schedule or synced to QuickBooks. The trade-off is documentation: QuoteIQ’s published material says less about caps, debit and state handling than Housecall Pro’s does, and the QuoteIQ entry says so.
Prices are published on each vendor’s own site and move often. Fee terms move even faster, so use this page to build a shortlist, then confirm the fee settings in a demo or trial before you rely on them.
“Card fee pass-through” is an umbrella term. The software calls it five different things, and the label matters less than what the fee does at checkout.
| Method | What the customer sees | Tools in this list |
|---|---|---|
| Surcharge | A separate, itemized line on credit card payments only | Housecall Pro, ServiceM8, JobNimbus, Tradify (label varies by payment route) |
| Convenience, service or processing fee | A fee added when the customer pays online by card; which card types it covers varies by tool | QuoteIQ, Workiz, Kickserv, Buildertrend, Contractor+ |
| Dual pricing (cash discount) | Two prices on the estimate or invoice: a card price and a lower cash or ACH price | FieldPulse |
| Price markup | The fee is folded into the document total, with no separate line | Joist (not ranked) |
| Manual line item | Staff type a fee onto each invoice by hand | Jobber, ServiceTitan (not ranked) |
Names do not decide legality. Payments-industry commentators quoted by Digital Transactions say a cash-discount program is still surcharging if a fee is added at any point. Several tools in the second row do not say how they treat debit. Whether your fee counts as a surcharge, a convenience fee or something else is a question for your processor and your lawyer, not the software vendor.
The sections below cover the limits that apply whatever the label, then the ten tools in order.
General information, not legal advice. These rules change and some are being litigated. Confirm what applies to you with your state attorney general’s office or a lawyer before you add a fee.
Visa’s U.S. surcharging guidance says a surcharge must not exceed your cost of acceptance for the credit card, and if that cost is above 3% of the sale, the surcharge cannot go above 3%. Merchants must notify their acquirer 30 days before they start, disclose the surcharge at the point of entry and at the point of sale, and itemize it separately on the receipt. Vendors cite a higher ceiling for other networks: JobNimbus’s help center, for example, gives 3% for Visa and 4% for Mastercard, American Express and Discover. In practice the industry mostly follows Visa’s 3% limit, according to a March 2026 Digital Transactions report.
Visa’s guidance is explicit: debit and prepaid cards cannot be surcharged. That matters more than it sounds. The Federal Reserve’s July 2026 release on 2024 payments says debit cards still made up the majority of card payments, so a credit-only fee leaves much of your card volume untouched. Housecall Pro, JobNimbus and ServiceM8 all exclude debit, and Jobber’s product team gave the debit exclusion as one reason it does not automate a fee.
Disclosure is where software helps least. Housecall Pro shows the surcharge only after the customer chooses to pay by card and enters card details, requires a non-surcharged option to stay available, and leaves phone and in-person disclosure to you. ServiceM8’s documentation describes the invoice line afterward and does not say whether the client sees it before paying. Kickserv’s article is blunt: “It is your responsibility to make this known to your customer.”
Connecticut bars any fee that increases the transaction total based on payment method, citing Conn. Gen. Stat. § 42-133ff as amended by Public Act 24-142, according to the state’s Department of Consumer Protection. Digital Transactions’ March 2026 summary lists Connecticut, Maine, Massachusetts and Puerto Rico as bans, New York as requiring dual pricing, Oklahoma with a 2% cap and Colorado with its own limit. Housecall Pro blocks surcharging in Connecticut, Maine, Massachusetts, New York and Canada. Older compilations, such as NCSL’s page last updated in 2016, list more states, and some of those laws were challenged in court, so treat any list as a starting point. If you work across state lines, Housecall Pro’s FAQ notes that a surcharge may apply to some transactions and not others depending on where the work is done or the payment is taken.
Judge Brian Cogan granted preliminary approval to the revised merchant settlement on June 9, 2026. It is not final. As reported by Payments Dive and others, the proposal would let merchants surcharge Visa and Mastercard credit at the brand or product level up to 3%, cap standard consumer credit interchange at 1.25% for eight years and trim average interchange by about 10 basis points for five years. None of it is in effect. As of a September 19, 2026 report, 978 businesses and associations had filed objections and no final approval date had been reported. Today’s rules apply until the court says otherwise.
Illustrative figures only; these are not any vendor’s rates. 2.9% + $0.30 is a commonly published card rate. 3.49% is the all-in cost if a 2.99% rate for cards entered on a digitally sent invoice (the rate in Housecall Pro’s payment-processing article) and a 0.50% surcharging fee (the fee in its surcharging FAQ) both apply to the same payment. That stacking is our arithmetic, so confirm how your own fees combine.
| Invoice | 3% fee charged | Card cost at 2.9% + $0.30 | Fee minus cost | Card cost at 3.49% all-in | Fee minus cost |
|---|---|---|---|---|---|
| $500 | $15.00 | $14.80 | +$0.20 | $17.45 | −$2.45 |
| $2,000 | $60.00 | $58.30 | +$1.70 | $69.80 | −$9.80 |
| $8,000 | $240.00 | $232.30 | +$7.70 | $279.20 | −$39.20 |
The takeaway: a pass-through is a partial offset, not a profit center. Treat it as one tool alongside pricing, ACH and card-on-file habits.
QuoteIQ is the platform we built, so weigh our ranking accordingly and use these notes to check us. Its fee is called a convenience fee, and it lives on the invoice. Duplicate an invoice and the fee comes along. Put an invoice on a recurring subscription and the fee is supported there too, alongside discounts, taxes and deposits. On Pro and above, the fee syncs to QuickBooks Online with the rest of the invoice, so your books match what the customer actually paid. See QuoteIQ online payments and the QuickBooks integration for the underlying setup.
Around the fee sits the rest of the payment workflow. Customers pay on an embedded checkout with cards, ACH bank transfer, Apple Pay or Google Pay. Deposits and partial payments work on estimates and invoices, tips can be added to invoices, QuickPay creates a payment link or QR code with no invoice first, and Net 15, 30, 60 and 90 terms are built in. Cash and checks can be recorded by hand. There is no monthly payments fee and no setup fee; per-transaction processing and platform fees apply. QuoteIQ does not publish fixed percentages, and current rates show inside the app; see QuoteIQ pricing for plan prices.
That matters for fees because the cheapest way to cut card costs is often to steer large invoices to ACH, which QuoteIQ describes as carrying lower processing fees than cards.
Best for: Contractors who want the fee, the invoice, the schedule and the books in one app at a published price.
Pros
Cons
Mike Vidan on a common pricing mistake: “Pricing based on what feels fair instead of what the work actually costs to deliver.”
— Mike Vidan, Co-Founder of QuoteIQ
Verdict: Choose QuoteIQ if you want the fee as one piece of a complete quote-to-paid workflow at a published price. Before you turn it on, ask support or a demo rep three things: how the percentage is set, whether debit is excluded, and what happens in a state that restricts surcharging. The answers decide how you configure it.
Housecall Pro announced credit card surcharging on September 2, 2026 in a press release with Yeeld, a surcharging-infrastructure company that says its engine applies state, card-network and processor rules automatically. Housecall Pro’s own surcharging FAQ never names Yeeld, and a September 14 CardRates report says the feature is rolling out to a limited group of users, so availability on your account is the first question to ask. Before this feature, its help center told users to add a manual processing-fee line item.
Best for: Teams that want the software, not the office manager, to enforce credit-only and state limits.
Pros
Cons
Verdict: The strongest compliance engineering on the list, if you work in a supported state, your account has the feature and the 0.50% fee still leaves the math working. Ask about the plan, the rollout status and your net recovery on your own card mix.
ServiceM8 added automatic card surcharging in its October 2023 release. You pick a rule for when the surcharge applies: never, or on invoices over $500, $1,000, $2,000 or $5,000, or always. ServiceM8 then adds a surcharge line to the job’s materials and services, updates the invoice total and syncs the line to your accounting software. The threshold lets you recover fees on big invoices and absorb them on small tickets.
Best for: Owners with a mix of small and large jobs who want to surcharge only the large ones.
Pros
Cons
Verdict: A good fit for owners who want a rules-based surcharge and a low entry price. Confirm whether your account gets ServiceM8 Pay or the legacy Stripe add-on, because the cap and the fee math differ.
JobNimbus treats pass-through as a surcharge. Its help article says fees passed to customers have been considered a surcharge since December 4, 2024, and it spells out the card-network ceilings: 3% for Visa and 4% for Mastercard, American Express and Discover, with debit excluded. In Settings > Payments you choose between absorbing the fee and passing it to the customer.
Best for: Roofing and exterior contractors who already run sales and production in JobNimbus.
Pros
Cons
Verdict: Candid documentation of the limits. With a 3.2% processing rate against a 3% Visa ceiling, the surcharge is an offset, not full recovery.
FieldPulse calls its feature Card Fee Recovery and describes it as dual pricing, a cash discount rather than a card surcharge. Each estimate and invoice shows a Total Card Price and a Total ACH or Cash Price, and the customer chooses. The card price raises every line item by the fee rate (typically 3%), then tax is applied to the adjusted subtotal.
Best for: Shops that prefer dual pricing to a visible surcharge line.
Pros
Cons
Verdict: The best pick if you would rather show two prices than a surcharge line. Get the compliance answer from your processor, not from the vendor’s marketing, and ask for the payments rate card in writing.
Workiz calls its version a service fee, and it sits inside Workiz Pay. Turn it on at Workiz Pay > My account > Service fee, tick the box confirming you have checked your state’s rules, and save. The fee is a percentage of the total, calculated after taxes and discounts, and added when the client pays by card. It appears in the invoice summary when the client opens the estimate or invoice link in the client portal.
Best for: Dispatch-heavy teams that want an on/off switch rather than rules to manage.
Pros
Cons
Verdict: Simple, but thin on detail. Ask what percentage it applies and how it treats debit before you rely on it.
Kickserv’s help article is titled Online Payment Fees, and it never uses the words surcharge or convenience fee. The setting adds a fee to Stripe-processed transactions to “offset some business costs.” You choose a percentage (up to 4%) or a flat fee (minimum $1), then apply it to all invoices or enable it invoice by invoice.
Best for: Teams that want to choose a percentage or a flat fee and see a published price.
Pros
Cons
Verdict: A fair pick with published prices and the most flexible fee settings on the list. Set the percentage yourself with the network and state limits in mind, because the software will let you go higher than they do.
Tradify, a job management app for trades, documents a card payment surcharge setting. A default toggle is set per Document Theme under Settings > Document Themes > Invoices, and each invoice has its own “Pass surcharge on to customer” switch. The toggle’s label depends on the payment route: “Default to pass Stripe payment fees on to customers as a processing fee” on the Stripe route that U.S. users get, and “Default to pass Credit Card fees on to customer as surcharge” on the U.K. and Australia card route. Customers see the fee on top of the invoice total.
Best for: Small trades teams that want to decide invoice by invoice.
Pros
Cons
Verdict: A tidy option for small trades teams that want to decide invoice by invoice. Confirm U.S. availability and debit handling before you commit.
Buildertrend lets you choose who pays the card fee. Under Company Settings > Online Payments > Get Paid, “Client pays credit card fees on new jobs” applies to every new job, with an Update all option for existing ones. A per-job version lives under Job Details > Clients > Inbound payment settings. When it is on, the 2.99% card fee is added on top of the client’s total and you receive the full invoice amount.
Best for: Builders and remodelers who already run jobs and payments in Buildertrend.
Pros
Cons
Verdict: A practical fit for builders and remodelers who already run jobs and payments in Buildertrend. Ask how the setting treats debit and what cap the software enforces.
Contractor+ gives each invoice a “Pass Processing Fee to Client?” toggle. You can set it per invoice or as the default for future invoices. The vendor says it is on by default but advises double-checking each invoice, and invoices already sent are not updated.
Best for: Solo contractors who mainly need to send invoices and want a free or low-cost start.
Pros
Cons
Verdict: A low-cost starting point for a solo contractor who mostly sends invoices. Treat the legal notes as a prompt to check your own state, not as guidance.
Six tools were in our starting set and did not make the ten. Each one is a reasonable product. Jobber and ServiceTitan rely on manual line items, three more document nothing we could verify, and Joist’s documentation contradicts itself.
Cards are how most Americans pay, and the trades are a large, crowded field, so the fee question reaches a lot of invoices.
Pick QuoteIQ. Essentials is $29.99 a month for one user, and the convenience fee comes along when you duplicate an invoice or put it on a recurring schedule. Ask about the percentage, debit and your state before you switch it on, and use the 14-day free trial on any plan to test the setup.
Do not turn on a card surcharge. Digital Transactions’ March 2026 summary lists all four as bans, and Housecall Pro blocks surcharging in Connecticut, Maine, Massachusetts and New York. Price the cost of cards into your rates, push large invoices to ACH and collect deposits up front. The same summary describes New York as requiring dual pricing, so if you work there, ask a lawyer what your invoices must show.
Look at Housecall Pro first, because its documentation describes credit-only handling, a 3% ceiling and lower state caps applied automatically. Ask whether your account has the feature and which plan includes it. ServiceM8 also documents a credit-only rule.
ServiceM8’s threshold rule lets you surcharge only invoices over $500, $1,000, $2,000 or $5,000. For the biggest invoices, ACH is the other lever: JobNimbus caps its ACH fee at $50 and Contractor+ at $10, and QuoteIQ describes ACH as carrying lower processing fees than cards.
QuoteIQ syncs the convenience fee to QuickBooks Online on Pro ($199.99 a month) and above. Kickserv syncs its fee to QuickBooks Online as an invoice line item, and ServiceM8 syncs the surcharge line to your accounting software. Kickserv cannot sync the fee to QuickBooks Desktop or Xero.
Buildertrend has an account-wide or per-job “client pays credit card fees” setting, which suits builders who manage large jobs on one platform. JobNimbus documents the network ceilings plainly and fits roofing and exterior sales teams. Both publish no plan prices, so request a quote.
QuoteIQ ($29.99), ServiceM8 (free, or $29), Contractor+ (free, or $29 billed annually), Tradify ($47 per user), Housecall Pro ($59 billed annually) and Kickserv ($60, billing basis not stated) all publish an entry price. JobNimbus, FieldPulse, Workiz and Buildertrend do not.
Here is the same method in five steps, for anyone who wants to repeat it or check our work.
“A client recently told me…..”I like how easy it is to pay your invoices”
QuoteIQ is extremely simple for customers to leave a tip too.”
“The advantage of being able to create digital invoicing and collect debit or credit cards all in one has been a tremendous help for my small business.”
“Managing customers, sending invoices, and tracking payments is so much easier now.”
None of the five-star reviews in our database is about passing card fees on, so these are the closest we have. They talk about invoices, paying online and tracking payments, and they are not endorsements of the fee feature.
Mike co-founded QuoteIQ in 2022 after running multi-trade service businesses. His YouTube channel (580K+ subscribers) covers field service operations, pricing and contractor business strategy.
Read Mike’s insights →Justin co-founded QuoteIQ alongside Mike. As the operator behind the ForeverSelfEmployed YouTube channel (743K+ subscribers), he has built and scaled service businesses across multiple verticals.
Read Justin’s insights →QuoteIQ is our top pick. It adds a convenience fee to invoices, keeps the fee through duplicated and recurring invoices and QuickBooks sync, and starts at $29.99 a month. Housecall Pro has the most compliance-engineered feature, with credit-only handling and a 3% ceiling, but a September 2026 report says it is rolling out to a limited group. ServiceM8 is the best rules-based option. We read vendor documentation and did not run hands-on tests, and QuoteIQ’s own documentation says less about caps, debit and state handling than Housecall Pro’s, so ask about those before you turn the fee on.
Published entry prices in this list run from free to $60 a month. ServiceM8 and Contractor+ have free plans, QuoteIQ starts at $29.99, Tradify at $47 per user, Housecall Pro at $59 billed annually and Kickserv at $60 (billing basis not stated). Top tiers cost far more: QuoteIQ Max is $699.99. JobNimbus, FieldPulse, Workiz and Buildertrend publish no plan prices. Processing fees come on top of the subscription in every tool, and Housecall Pro lists an extra 0.50% on surcharged credit card transactions. Prices were checked on October 10, 2026.
ServiceM8 and Contractor+ both list free plans, but we could not confirm that the fee feature is included on the free tier, so check before you count on it. QuoteIQ has no free plan. It offers a 14-day free trial on every plan, which is enough time to set up an invoice, test the fee and see how the customer sees it.
QuoteIQ Essentials is $29.99 a month for one user and puts the convenience fee on invoices alongside estimates, scheduling and payments. Contractor+ is the lower-cost choice if you mainly send invoices. It lists a free plan and a per-invoice toggle, though we could not confirm the toggle is on the free tier. ServiceM8 fits a solo owner who only wants to surcharge larger invoices.
QuoteIQ Beginner ($99.99 a month, 2 users) or Pro ($199.99, 4 users) covers most teams of this size, and Pro adds QuickBooks sync of the fee. ServiceM8’s paid plans start at $29 with unlimited users but cap jobs per month, so a busy crew can outgrow the entry tier. Tradify charges per user, so cost grows with each hire. Add up the full monthly cost for your headcount, not just the entry price.
QuoteIQ Max includes 20 users at $699.99 a month, and extra users are $25 a month. JobNimbus has an Enterprise tier for 20 or more users, priced on request, and its documentation is candid about network limits. ServiceTitan is the usual name at this size, but its help center says there is no option to automatically charge for credit card fees, so staff add a manual item to each invoice.
QuoteIQ has iPhone and Android apps and a 4.7-star average rating across 4,103 reviews. We did not test the mobile apps of the other tools, so check each vendor’s app-store listing. For fees, the sharper question is whether the pass-through applies to in-person and phone payments. FieldPulse applies Card Fee Recovery automatically on phone and in-person payments with no off switch, and Housecall Pro leaves phone and in-person disclosure to you.
Often yes, with limits, but it depends on your state, the card type and how you disclose the fee. Visa’s U.S. guidance caps a surcharge at your cost of acceptance and never above 3%, bars it on debit and prepaid cards, and requires disclosure and an itemized receipt line. Digital Transactions lists Connecticut, Maine, Massachusetts and Puerto Rico as bans. This is general information, not legal advice. Check with your state attorney general’s office or a lawyer, and tell your processor in advance.
In this list, vendors use the words loosely. A surcharge is a separate, itemized line on credit card payments only. A convenience, service or processing fee is added when the customer pays online by card, and which card types it covers varies by tool. Dual pricing shows a card price and a lower cash price. The label does not decide legality, and payments-industry commentators say a cash-discount program that adds a fee is still surcharging. Ask your processor and a lawyer how your fee is classified.
Not under Visa’s U.S. guidance, which says debit and prepaid cards cannot be surcharged. Housecall Pro, JobNimbus and ServiceM8 exclude debit in their documentation. Several other tools, including Workiz and Kickserv, do not say how they treat it, and QuoteIQ’s published material is silent too, so ask each vendor directly. It matters because the Federal Reserve’s July 2026 release says debit cards still made up the majority of card payments.
QuoteIQ takes cards, ACH, Apple Pay and Google Pay on an embedded checkout, with deposits, partial payments, tips, QuickPay links and Net 15, 30, 60 and 90 terms, plus the convenience fee. Housecall Pro’s surcharging covers invoices, estimates, card on file, service plans and online-booking deposits. JobNimbus pairs payments with a roofing sales pipeline. Match the tool to the payment flows you actually use.
Digital Transactions’ March 2026 summary lists Connecticut, Maine, Massachusetts and Puerto Rico as bans, New York as requiring dual pricing, Oklahoma with a 2% cap and Colorado with its own limit. Housecall Pro blocks surcharging in Connecticut, Maine, Massachusetts, New York and Canada. Older lists, like NCSL’s page last updated in 2016, name more states, and some of those laws were challenged in court. Laws change, so verify with your state attorney general before you rely on any list.
A Jobber Product Team member wrote in the Jobber community that Jobber does not have an automated way to add a surcharge or convenience fee to invoices. The Product Team member suggested building the cost into your prices, and other community replies describe a manual line item on each invoice. The post is labelled about a year old, so check Jobber’s current documentation. If you add a manual line, size it to your real cost, leave debit out and check your state’s rules first.
QuoteIQ is our top alternative, with a convenience fee on invoices and an entry price of $29.99 a month against Housecall Pro’s $59 billed annually. ServiceM8 offers a rules-based surcharge by invoice size, and JobNimbus fits roofing teams. Housecall Pro’s state controls are still the most detailed we found. Our QuoteIQ vs Housecall Pro comparison page covers plan-by-plan differences.
No. ServiceTitan’s help center says, “Currently, there is no option to automatically charge for credit card fees,” and documents a manual Discounts & Fees item that staff add to each invoice. Setup runs through your Customer Success Manager. That makes it a manual process, which is why we left ServiceTitan off the ranked list. If you want the software to add the fee itself, the ten tools above document a built-in option, though availability and detail vary.
It could, but nothing has changed yet. Judge Brian Cogan granted preliminary approval on June 9, 2026. The proposal would let merchants surcharge Visa and Mastercard credit at the brand or product level up to 3% and cap standard consumer credit interchange at 1.25% for eight years. As of a September 19, 2026 report, 978 businesses and associations had filed objections and no final approval date had been reported. Today’s rules apply until the court rules.
Trusted by 40,000+ contractors · 4.7★ average rating · 4,103 reviews across App Store, Google Play and Google
For most contractors in 2026, QuoteIQ is the best CRM with card fee pass-through because it puts a convenience fee on the invoice inside a complete quote-to-paid workflow, from $29.99 a month, and keeps that fee through duplicated invoices, recurring billing and QuickBooks sync. Its fee documentation also says little about caps, debit and states, so ask those three questions before you turn it on.
If enforced compliance outranks everything else, Housecall Pro’s credit-only, state-aware surcharging is the most carefully built, once it is on your account. ServiceM8 suits owners who want a threshold rule, FieldPulse suits dual pricing, and JobNimbus suits roofing teams that value plain-spoken limits. Jobber and ServiceTitan still leave the fee to you.
Whatever you pick, a card fee is a partial offset and not a profit center. Check your state, keep debit out, disclose the fee before payment and treat this page as a shortlist, not legal advice. Then test the setup yourself in a trial or demo.
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