BUILT FOR CONTRACTORS

Stop chasing Venmo payments.
Get paid on the job.

Tap-to-pay, invoicing, and installment plans for solo operators and small crews. No card reader, no contracts, no monthly fees. Just lower fees and faster payouts.

Download on the App Store Get it on Google Play

PLATFORM FEE

Capped at $2 per transaction

CARD READER

Your phone is the reader

MONTHLY FEE

Pay only when you get paid

THE MATH

You're already paying too much. Here's how much.

ThrivePay

1% + Stripe

Capped at $2.00

+ No card reader needed
+ No monthly fees
+ Built-in installment plans
+ Set up in 10 minutes

Square

2.6% + 10¢

Per tap, no cap

— Reader required for some plans
— Account holds and freezes
— No native payment plans
— 2.9% + 30¢ for invoices

Venmo / Zelle

1.9% / 0%

Plus headaches

— No chargeback protection
— Looks unprofessional
— No real receipts or books
— Tax season nightmare

REAL EXAMPLE · ROOFING JOB

You keep $93 more on a $5,000 roof.

That's coffee for a month, or a new impact driver. Across 40 jobs a year, it's a vacation.

Job Size	Square Fee	ThrivePay	You Save
$200	$5.30	$2.00	+$3.30
$1,200	$31.30	$2.00	+$29.30
$5,000	$130.10	$2.00	+$128.10
$15,000	$390.10	$2.00	+$388.10

FEATURES

Everything you need. Nothing you don't.

01 / TAP TO PAY

Your phone is the card reader.

Customer taps their card, Apple Pay, or Google Pay on the back of your iPhone or Android. Done. No reader to forget in the truck.

02 / INVOICING

Send invoices, get paid online.

For jobs where you can't be there. Customer gets a payment link by email. Tracked, with reminders, with receipts.

03 / PAYMENT PLANS

Big jobs? Split them up.

Offer 2, 3, or 4 installments on larger jobs without using a third-party financing app. Auto-charged on schedule.

04 / FAST PAYOUTS

Money in your account in days.

Standard weekly payouts are free. Need cash today? Instant payouts available for a flat fee, no waiting on net-30.

HOW IT WORKS

From download to first job. ~10 minutes.

Download & Sign Up

Install the app, create an account with your email. Free, no card on file required.

Connect Your Bank

Verify your business through Stripe. Standard onboarding — same as Square or any other processor.

Take Your First Payment

Open the app, enter the amount, hand the phone to your customer. Tap. Receipt sent. You're done.

QUESTIONS

The stuff you actually want to know.

Do I need to buy a card reader?

No. ThrivePay uses Tap to Pay on iPhone (iPhone XS and later, iOS 16.4+) and Tap to Pay on Android (NFC-enabled phones). Customer taps their card or phone on the back of yours. The reader is your phone.

What does it actually cost?

Stripe's standard processing fee (currently 2.7% + $0.15 for tap-to-pay) plus ThrivePay's 1% platform fee, which caps at $2.00 per transaction. There are no monthly fees, no setup fees, no contracts. You pay only when you take a payment.

How fast do I get my money?

Standard payouts are weekly and free. Instant payouts (same day) are available for a 4% fee on the payout amount.

What about chargebacks and disputes?

All payments run through Stripe, the same infrastructure that processes payments for Shopify, Lyft, and millions of businesses. You get full chargeback protection on tap-to-pay transactions when the customer's card is physically present — something Venmo and Zelle don't offer.

Can I send invoices for jobs I'm not on-site for?

Yes. Create an invoice in the app, send it to the customer's email, and they pay online. Same 1% capped fee. You can also set up installment plans for larger jobs.

Does it work on Android?

Yes. Tap to Pay on Android works on most NFC-capable Android phones. The app is on the Play Store.

Stop chasing Venmo payments. Get paid on the job.