Trades, auto, salons, medical
Big tickets deserve a price built for them
On a $4,000 repair, every tenth of a point is $4. Whether you take payment at the counter, in the driveway or by invoice, a program priced for large tickets keeps what you pay above cost small, and shows it line by line.
Example
For an HVAC company taking $80k a month in cards paying 3% today:
An estimate for a typical card mix, not a promise. Your quote shows the exact figure.
Sound familiar?
What's eating your margin
Large tickets, large fees
Repairs, installs and procedures mean every percentage point is real money.
Payments in the field
Techs need to take payment on site, not mail an invoice and wait 30 days.
Chasing invoices
Paper invoices and checks slow your cash flow and eat office time.
What you get
Built for service businesses
Priced for big tickets
Each card at its real cost, with pricing built around large tickets. Big jobs stop carrying a big hidden margin.
Take payment on site
Clover Flex or Go lets techs collect payment and text a receipt in the driveway.
Invoice pay links
Send a secure pay link by email and get paid before the truck is back at the shop.
Commercial customers
Property managers and businesses paying by corporate card? Level 3 data lowers their cost to you.
Appointments
Booking and reminder apps for salons, spas and practices on Clover.
Secure by design
Tokenized, encrypted card data keeps sensitive numbers off your systems.
Recommended setup
The hardware service businesses use most
What switching looks like
What switching to cost-plus looks like
“Most of our sales are small debit tickets, and they were billed like premium credit cards. The new program priced those lowest and showed us every line. Same Clover, same staff, about $600 a month less.”
Illustrative scenarios based on typical merchant results, not customer reviews. Individual savings depend on volume and current rates.
How it works
From statement to switched in three steps
You spend about 30 minutes. We read the statement, set up the equipment and handle the paperwork.
Apply and upload statements
Apply online and upload recent statements from whoever processes your cards today. Within 24 hours we show you, line by line, what's interchange, what's markup and what's junk.
See your cost-plus quote
Your wholesale cost stays the same. Every other line shows today's price next to ours, in dollars a month, with the card mix behind it. If we can't beat what you pay now, we'll tell you.
Go live and watch it
We set up your card terminals, often the ones you already own. Then every deposit and fee is in your portal, line by line.
FAQ
Service businesses payment questions
Is cost-plus good for large tickets?
Especially. A flat rate takes the same percentage from a $4,000 job as from a $40 one. With interchange at cost and a program priced for your ticket size, large jobs stop overpaying.
What do my techs need in the field?
Most use a Clover Flex (all-in-one handheld with printer) or Clover Go paired with a phone. Both take tap, chip and swipe.
Can medical and dental practices use cost-plus?
Yes. Cost-plus works for any business. Healthcare sees many HSA/FSA and debit cards, which cost-plus bills at their low wholesale cost.
Your quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.