Flux gives remodeling contractors tap-friendly card payments, ACH for larger jobs and deposits, and hosted fields that work from a phone, so you can collect before you leave the site.
Why remodeling contractors choose Flux
Collect on site
Take a card or send a payment link from the truck the moment the job is done.
ACH for big jobs
Route large project invoices and deposits over ACH to keep the cost down.
No contracts
Seasonal remodeling contractors are not locked into a contract or paying for a slow month.
How remodeling contractors get paid
For remodeling contractors, cards handle on-the-spot and deposit payments, ACH suits larger project invoices, and Flux runs both from one integration you can use on a phone in the field.
A typical Flux setup for remodeling contractors
Remodeling billing is a schedule, not an event. A typical flow starts with a design or planning fee by card, then a contract deposit, then draws tied to phases: demo, rough-in, drywall, finish. Draws are invoiced as milestones and mostly paid by ACH, since kitchen and bath tickets outgrow cards quickly. Change orders bill separately when signed rather than accumulating into the final invoice. The last payment follows the punch list walkthrough and is kept intentionally small.
Projects run for months, so payment cadence is cash flow: a draw that slips a week ripples into supplier terms and sub payments. Invoicing each milestone the day the phase completes, with the customer paying by ACH in one to three business days, keeps the machine fed. Some states cap deposits on home improvement contracts, which is another reason the draw schedule, not a big deposit, should carry the job. QuickBooks sync maps every draw to the job for costing.
What remodeling contractors should watch
Every remodeling payment dispute is a scope dispute that waited too long. The client lives inside the project, sees everything daily, and renegotiates in the hallway, so unwritten agreements multiply unless change orders are signed and billed as they happen. A change order billed at signing is a payment; the same work discovered in the final invoice is an argument. Keep allowance overages visible in real time too, because an allowance surprise at closeout poisons an otherwise clean final draw.
Structure the ending deliberately: a small final draw tied to a written punch list gives the client a hold that feels fair without endangering the margin, while a fat final draw invites a hostage negotiation. If early payments, the design fee or deposit, went on a card, remember the dispute window stretches months, so keep signed approvals and progress photos organized per draw. The consumer pass-through option can apply where surcharging rules allow if a client insists on carding a large draw.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume remodeling contractors and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do remodeling contractors accept payments with Flux?
Remodeling Contractors accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge remodeling contractors?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do remodeling contractors get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
How should payments be split across a remodeling project?
A design fee, a contract deposit sized within any state cap on home improvement deposits, then draws tied to phases like demo, rough-in, and finish, with a small final after the punch list. Draws are invoiced at each milestone and mostly paid by ACH.
How are change orders billed so they do not pile into the final invoice?
At signing, as their own invoice, not accumulated into the final draw. Work billed when approved is a payment; the same work surfacing weeks later in the closeout invoice is an argument, and usually a discount.
Can a client pay a remodeling draw by card?
Yes, though at large draw sizes most contractors default to ACH and reserve cards for the design fee and deposit. Where local surcharging rules allow, the consumer pass-through option can apply when a client insists on carding a big draw.
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