Flux gives roofing 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 roofing 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 roofing contractors are not locked into a contract or paying for a slow month.
How roofing contractors get paid
For roofing 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 roofing contractors
Roofing billing tracks the insurance calendar as much as the weather. On claim jobs, the first check funds the material deposit, collected by ACH or card before the shingle drop, and the depreciation release plus any supplement pays the balance after completion. Retail jobs run simpler: deposit at signing, balance at final walkthrough. Because tickets routinely reach five figures, most roofers put balances on ACH and reserve card payments for deposits and smaller repair work.
Storm season compresses a year of volume into a few months, and Flux carries the spike without minimums or monthly fees in the quiet stretch that follows. Repair-only work, tarping, and inspections close by card on site the day of service. Volume discounts through custom interchange-plus pricing become relevant for established storm-market roofers, and instant payouts through Visa Direct keep crew payday funded during weeks when everything goes out before the insurance money comes in.
What roofing contractors should watch
The slowest dollar in roofing is the one routed through a mortgage company. Lender-endorsed insurance checks can trail the finished roof by weeks, so structure the contract so the material deposit and first payment do not depend on that endorsement. Watch cancellation rules too: some states give homeowners a window to back out of storm-damage contracts if the claim is denied, and your deposit and refund language needs to survive that scenario without a chargeback.
Chargebacks in roofing are rare but enormous when they land, usually a dissatisfied final walkthrough on a card-paid balance. Photograph the deck, the underlayment, and the finished field, and attach the signed completion certificate to the final invoice. For absentee owners and rental properties, take the balance through the hosted invoice rather than a card number over the phone: the hosted payment form keeps card data with Flux, not in your office.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume roofing 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 roofing contractors accept payments with Flux?
Roofing 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 roofing 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 roofing 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 do roofers collect when the insurance check goes to the homeowner?
The homeowner is still the payer: invoice them on your contract terms and let the claim reimburse them. Structure the contract so the material deposit is due before the shingle drop regardless of claim timing, and take large balances by ACH once the depreciation releases.
Should a roofer accept a card on a five-figure final balance?
You can, and the consumer pass-through option can apply where local surcharging rules allow, but most roofers put big balances on ACH and keep cards for deposits and repair work. ACH settles in one to three business days and avoids putting a completed roof inside a card dispute window.
Does Flux cost anything during the roofing off-season?
No. There are no monthly fees on qualifying card volume, minimums, or contracts, so an account that goes quiet in winter costs nothing until the next storm season. Volume discounts through custom interchange-plus can be discussed once your volume supports them.
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