(That means WE are sending YOU a check every quarter)
Numbers are estimates based on typical payments company pricing.
Customize using advanced variables.
Think you’re NOT getting screwed by your payments company?
You probably also expect…
Running an insulation outfit means crawling through attics, battling itchy fiberglass, and squeezing every penny out of razor‑thin bids. The last thing you need is a payment processor vacuuming 3‑4 % off every invoice. WrenchPay was built for trades like yours, so you can take cards without watching your margins melt.
Most installs ring up big tickets—whole‑home spray‑foam jobs can top five figures. Swipe that on a traditional processor and you’re handing over a chunk of change big enough to cover a pallet of R‑38 batts. Worse, the fee math is buried in tiered pricing and surprise “assessment” charges you didn’t budget for.
We give you a compliant cash‑discount program that moves the card cost to the customer—exactly where it belongs. Homeowners already pay “convenience” fees for online bills; they won’t blink at the modest service charge on your invoice. That keeps your quote sharp without slicing your margin.
Our mobile credit card terminal goes anywhere your crew does—crawl spaces, pole barns, middle of nowhere—thanks to Wi‑Fi and 4G connectivity plus offline batch mode when the signal’s trash. Every tap or chip read is locked down with point‑to‑point encryption, EMV, and 24‑7 fraud monitoring that meets PCI DSS and SOC 2 standards, so you sleep easier than fresh‑blown cellulose in a quiet attic.
Instead of shelling out commissions to slick sales guys, we cut our customers in for 25 % of quarterly profits. Think of it as insulation for your bottom line—money that stacks up season after season simply because you process with us.
From any phone or tablet you can:
We know “friendly fraud” hits contractors hard. Our dashboard flags risky transactions in real time and our U.S.‑based reps jump in fast if a dispute pops up—no overseas call centers, no canned scripts, just people who get construction life.
Paperwork is lighter than a roll of unfaced batt: a short online form and a couple of docs. You’ll be processing payments in days, not weeks, with a dedicated rep’s cell number on speed dial if you ever need backup.
Bottom Line: Stop letting card fees punch holes in your profit like a rookie with a staple gun. Switch to WrenchPay and keep more of what you earn on every blown‑in, batt, or spray‑foam job.
WrenchPay is the blue-collar payment processor that wipes out hidden fees, drops your card costs to $0 through a compliant cash-discount model, and even shares 25 % of its profits back with you.
We structure every invoice and payment so that it includes the card-brand and network processing fees into the total cost the customer pays, with an additional option for them to pay in cash (ACH, cash, etc) for a small discount. That way you are keeping 100% of what you charge, without having to eat the processing fee assessed by credit card processing networks.
Yes. The model is fully card-brand compliant and state-law friendly. We provide the required signage and handle all rule updates so you stay on the right side of every network.
Standard funding hits your bank in two business days, with same-day options available. No surprise “risk holds” on large tickets—ever.
We include a fully-secure web portal and mobile app that allows you to manage everything from any device. It’s the only thing you need to be up and processing quickly.
If you’d like an additional physical terminal, we can ship a rugged mobile terminal (Wi-Fi + 4G, printer, offline mode) or plug straight into your countertop reader.
Nope. Service is month-to-month. Stick around because we earn it, not because a lawyer says you have to.