Field services is a split-brain payment vertical. The work happens at the customer’s property; the billing often happens back at the office. Every day between “job done” and “invoice paid” is free financing extended to the customer. The fix is structural: make payment possible at the moment of completion, wherever that is.
The mix runs the full range. Card-present when the technician is standing in the kitchen. Card-not-present when the office charges a card on file for a maintenance agreement. ACH when the ticket is a five-figure system replacement and card fees would eat the margin.
How do payments work at the job site?
QorConnect handles card-present processing, from countertop terminals to edge devices through Qor@theEdge. A technician can take a dip, tap, or swipe at completion. For the customer who prefers their own phone, a hosted checkout link does the same job without hardware. Either way, the transaction hits the same QorCommerce merchant account and shows up in the same QorCommerce reporting as everything else.
What about recurring maintenance plans?
Maintenance agreements are recurring billing with a card on file. Tokenization is the mechanism: the card is vaulted at signup and charged on schedule. When a card expires or gets reissued, the failure surfaces in reporting instead of disappearing into a spreadsheet. ACH tokens work the same way for customers who prefer bank debit.
Why does owning the stack matter here?
Seasonal businesses trip risk models. An HVAC company that does 4x summer volume looks like a fraud spike to a processor’s generic algorithm. QorPay is the processor: Automated Underwriting and the risk team see the seasonality for what it is, and holds get resolved by the people who placed them.