Why Jobkore Doesn't Charge Additional Payment Processing Fees

If you accept online payments through a contractor app, you are paying processing fees. That part is unavoidable. Stripe, the processor behind most modern payment platforms, charges 2.9% plus 30 cents per transaction. On a $5,000 invoice, that is $145.30. On a $10,000 invoice, $290.30.

Those are Stripe's fees, and every platform that uses Stripe pays them. The question is what happens on top of that.

What other tools charge

A lot of contractor apps add their own fee on top of the processor's rate. Some charge 3.49% or higher as the "standard" credit card rate, pocketing the difference between what Stripe charges them and what they charge you. Others tack on a per-transaction surcharge, sometimes $0.49 on every single payment, on top of the processor's cut.

On a $5,000 payment at 3.49% plus $0.49, you would pay $175.39 in total fees. That is $30 more than the base processing cost. Scale that across a year of payments and you are giving away thousands of dollars to your software company for doing nothing more than passing your payment through.

Some tools justify the markup by bundling payments into a higher-priced plan. Others hide it in the fine print. Either way, you are paying more than you need to.

What Jobkore charges

Stripe's standard rate: 2.9% plus 30 cents. That is it.

We do not add a percentage on top. We do not add a per-transaction fee. We do not take a cut of your payments. The processing fee you see is the same rate you would pay if you set up a Stripe account yourself and sent your clients a payment link directly.

Your Jobkore Pro subscription covers the software. Payments are a feature of that software, not a separate revenue stream for us.

Why we made this decision

We built Jobkore to help contractors get paid. Taking a cut of every payment would mean we profit more when you charge more, and that creates the wrong incentive. Your invoicing tool should be on your side, not skimming off your revenue.

Contractors already deal with tight margins. Material costs are up. Labor is expensive. The last thing you need is your software quietly taking a percentage of every dollar that flows through it. We would rather charge a straightforward subscription and let you keep what you earn.

How it works in practice

When you send an invoice through Jobkore, your client gets a secure payment link. They pay with a credit or debit card. Stripe processes the payment at 2.9% plus 30 cents and deposits the rest into your bank account. Jobkore does not touch the money.

You can see the exact fee breakdown on every payment in your dashboard. No surprises, no hidden line items. The math is simple because we keep it simple.

The real cost of "small" markups

Half a percent does not sound like much until you run the numbers. If you process $200,000 in payments over a year, a 0.5% markup costs you $1,000. A per-transaction fee of $0.49 across 150 payments adds another $73.50. That is over a thousand dollars a year in fees that go to your software company, not your payment processor.

That money could cover materials for your next job, a new tool, or just stay in your pocket where it belongs.

We think the right model is simple: you pay for the software, and the software helps you get paid. No middleman fees, no payment markups, no fine print. Just one subscription and clean processing rates.