Card fees, side by side.
A US customer paying your invoice online with a standard consumer card, standard payout. Prices as of September 2026 — check each provider's page.
| App | Plan you need for card payments | Card paid online | Fee on a $1,000 card payment |
|---|---|---|---|
| QuoteIron | Pro, $15.99/mo or $159.99/yr, plus your own Stripe account (no Stripe monthly fee) | 2.9% + 30¢, Stripe's standard rate. QuoteIron adds 0%. | $29.30 |
| Jobber | Core, $49/mo, or $29/mo billed annually | 2.9% + 30¢ on every plan | $29.30 |
| Housecall Pro | Basic, $79/mo, or $59/mo billed annually | 2.99%; 3.49% on Amex and business cards | $29.90; $34.90 on Amex or a business card |
| Joist | Basics $10/mo (5 documents a month), or Pro $17/mo (unlimited) | 3.49% + $0.49 | $35.39 |
| Invoice2go | Starter $7.99/mo (2 invoices a month), Professional $11.99/mo (5 a month) or Premium $44.99/mo (unlimited) | 3.5% / 3% / 2.9% by plan | $35.00 / $30.00 / $29.00 by plan |
| Square Invoices | Square Free $0/mo, or Square Plus $49/mo per location | 3.3% + 30¢ on Free; 2.9% + 30¢ on Plus | $33.30 on Free; $29.30 on Plus |
| QuickBooks Payments | QuickBooks Free plan, $0/mo | 2.99% | $29.90 |
Plan prices are each company's monthly list price (promotions left out). In-person rates aren't shown. International cards, manually keyed cards and disputes cost extra with every provider; see each provider's page. The $1,000 column is our arithmetic on the published rates, rounded to the cent. Prices as of September 2026 — check each provider's page before you decide.
The same fees on a $5,000 invoice
On a larger job the percentage is what you feel. Our arithmetic on the published rates in the table above, for a US consumer card paid online:
| App | Rate | Fee on $5,000 |
|---|---|---|
| QuoteIron | 2.9% + 30¢ (Stripe); QuoteIron adds 0% | $145.30 |
| Jobber | 2.9% + 30¢ | $145.30 |
| Housecall Pro | 2.99%; 3.49% on Amex and business cards | $149.50; $174.50 |
| QuickBooks Payments | 2.99% | $149.50 |
| Square Invoices | 3.3% + 30¢ on Free; 2.9% + 30¢ on Plus | $165.30; $145.30 |
| Joist | 3.49% + 49¢ | $174.99 |
| Invoice2go | 3.5% / 3% / 2.9% by plan | $175.00 / $150.00 / $145.00 |
Prices as of September 2026; check each provider’s page before you decide.
One $1,000 invoice, paid by card.
Your customer taps the pay link on a QuoteIron invoice and pays with a US card. Here is where the money goes.
- Your customer pays$1,000.00
- Stripe's standard fee (2.9% + 30¢)−$29.30
- QuoteIron's cut$0.00
- Lands in your Stripe balance$970.70
The same invoice elsewhere, from the rates in the table: Jobber's fee is the same $29.30. Housecall Pro's is $29.90 on a standard card and $34.90 on Amex or a business card. Square Free's is $33.30. Joist's is $35.39, which is $6.09 more than Stripe's standard rate.
Then there's the monthly price just to have card payments on: $15.99 for QuoteIron Pro, against $49 for Jobber Core and $79 for Housecall Pro Basic, month-to-month. On a $250 payment the order changes; that's in where others cost less, below.
“QuoteIron adds 0% to Stripe’s standard rate.”
We don't skim off the top.
When a customer pays your QuoteIron invoice by card, the payment runs on your own Stripe account. Stripe charges its standard fee, 2.9% + 30¢ for a US card paid online (stripe.com/pricing), and the rest lands in your Stripe balance.
QuoteIron adds nothing. Our platform fee is 0%. We never hold your customer's money, so we can't freeze it or delay it. The only thing QuoteIron charges you is the Pro subscription, $15.99 a month.
If you've negotiated your own rate with Stripe, that's the rate you pay.
Jobber publishes the same 2.9% + 30¢ card rate (getjobber.com/pricing). The difference is the monthly price of the app around it.
Where others cost less.
We'd rather you hear it from us.
- Free plans. If you only need to take card payments and don't need quotes, QuickBooks' free plan and Square's free plan cost $0 a month.
- Small tickets. On payments under about $333, a flat 2.99% (Housecall Pro, QuickBooks) costs a few cents less than 2.9% + 30¢: $7.48 against $7.55 on a $250 payment. Invoice2go Professional's 3% does the same under $300.
- Invoice2go Premium. Its 2.9% has no 30¢ fixed fee, so it's 30¢ less on every payment, but the plan is $44.99 a month.
- Instant payouts. Jobber, Housecall Pro and Invoice2go charge 1% for instant payouts. Stripe charges 1.5% (Stripe's docs).
Questions people ask about card fees.
What are Jobber Payments fees?
Jobber lists 2.9% + 30¢ for credit card payments and 2.7% + 30¢ for Tap to Pay on every plan, and instant payouts cost an additional 1%. The cheapest plan, Core, is $49 a month with no commitment, or $29 a month billed annually. QuoteIron passes through the same 2.9% + 30¢ card rate (Stripe's standard rate), adds 0%, and Pro costs $15.99 a month.
What does Housecall Pro charge for credit card processing?
Housecall Pro lists 2.99% for standard cards paid online through an invoice, 2.59% for cards swiped, tapped or chipped in person, and 3.49% for manually keyed or card-on-file payments and for Amex and business cards. Instapay adds 1%, plus $0.75 on transactions under $75. The Basic plan is $79 a month, or $59 a month billed annually.
Is there a contractor invoice app with no processing fee?
No card payment is free: the card networks and the processor always take a fee. What you can avoid is a second cut on top. QuoteIron's platform fee is 0%, so you pay Stripe's standard rate and nothing more. Cash, check, Zelle, Venmo and the other ways to pay you list on a QuoteIron invoice go straight to you and carry no QuoteIron fee.
Does QuoteIron take a percentage of my payments?
No. Card payments run on your own Stripe account as direct charges, and QuoteIron's platform fee is 0%. Stripe's fee is the only processing fee. QuoteIron makes its money from the Pro subscription ($15.99 a month), not from your jobs.
Do instant payouts cost extra?
Yes, with every provider here. Stripe lists 1.5% (minimum 50¢), Jobber an extra 1%, Housecall Pro 1% plus $0.75 under $75, Invoice2go 1% ($1 minimum), Square 1.95% and QuickBooks 1.75%. Joist says "a small fee" without an amount. Stripe's standard payout schedule is free.
How much does a $5,000 invoice cost to collect by card?
At the published rates (September 2026): $145.30 on QuoteIron and Jobber (2.9% + 30¢), $149.50 on Housecall Pro and QuickBooks Payments (2.99%), $165.30 on Square Free, $174.99 on Joist (3.49% + 49¢). Amex and business cards on Housecall Pro are $174.50.
Every number, from the provider's own page.
Prices as of September 2026. Rates change without notice, so check each provider's page for current pricing.
- Stripe: stripe.com/pricing · docs.stripe.com/payouts/instant-payouts
- Jobber: getjobber.com/pricing
- Housecall Pro: housecallpro.com/pricing · payment processing options · Instapay FAQ
- Joist: joist.com/pricing · joist.com/features/payments · transaction fee article
- Invoice2go: invoice.2go.com/pricing · card payment fees article
- Square: squareup.com/us/en/invoices/pricing · deposit options (instant transfers)
- QuickBooks: quickbooks.intuit.com/payments · payment rates
Jobber, Housecall Pro, Joist, Invoice2go, Square, QuickBooks and Stripe are trademarks of their respective owners. QuoteIron is not affiliated with or endorsed by any of them.
More sourced comparisons.
Every one quotes its prices from the vendor's own page and dates the fetch.
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QuoteIron is free for 5 jobs a month, no card. Card payments come with Pro, $15.99 a month flat, and QuoteIron adds 0% on top of Stripe.
On the stores: App Store · Google Play
$15.99/MO FLAT · MONTH-TO-MONTH · CANCEL IN THE APP STORE OR GOOGLE PLAY, NO PHONE CALL · 0% ON TOP OF STRIPE