The short answer
Field businesses do best with tap to pay on phone for deposits and final payments on site, pay-by-link for follow-ups, and ACH or EFT for larger progress payments where a percentage fee would be punitive.
Deposits reduce everything else
A deposit taken at quote acceptance filters out non-serious customers, funds materials, and makes the final collection conversation straightforward.
Level II and III on commercial work
Contractors invoicing businesses and government should be configured for extended data. On large commercial card payments it is worth a full point of interchange.
Key takeaways
- Collect on site with tap to pay on phone
- Route large progress payments to bank rails
- Configure Level II/III for commercial customers
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