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Best Construction Merchant Account Providers

  • Phillip Parker
  • Credit Card Processing
  • February 2, 2022
FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Our Top Pick of 2022

helcim logo

Helcim Payments

See Our Helcim Merchant Services Review
  • No Monthly or Annual Fees
  • Super Low Processing Rates
  • POS, Mobile, and Online Payments
View Pricing
Sales & Support:
(888) 506-7812
★ ★ ★ ★ ★

Solid Debit and Credit Payment Processing for Construction Companies

Residential, commercial, and government-contracted construction businesses have one primary concern when it comes to payment processing: minimizing costs. Between keeping builds on schedule, managing inventory and labor, and landing new contracts, a construction company owner doesn’t have time to haggle over surprise transaction fees and overpriced equipment. The good news for construction companies is that some providers offer inventory and business management solutions in addition to affordable credit card processing. The bad news is that there are hundreds of providers out there, so it’s hard to know where to start.

To help you sift through the seemingly endless supply of payment processors, we’ve compiled the following list of the best merchant account providers for construction companies. The processors below are able to provide Level 3 credit card processing and inventory management for enterprise-scale construction companies as well as affordable mobile payment options for smaller contractors. They have also consistently received positive ratings from merchants and third-party reviewers, meaning that you won’t need to worry about hidden fees or burdensome contract terms. In order to get the lowest rates and best service, it is recommended that you contact multiple providers on this list to compare pricing and features.

Top Picks for Merchant Services for Construction Companies

host merchant services logo

Host Merchant Services

See Our Host Merchant Services Review
  • Fast approval for most industries
  • No contract or cancellation fees
  • Highly rated customer support
View Pricing
Sales & Support:
(888) 727-4538
★ ★ ★ ★ ★

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types, including construction. The company’s products and services include point-of-sale solutions (with a specific package for contractors), online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, and merchant cash advance. Host Merchant Services also specializes in e-commerce solutions and provides a free website and email address to new merchants who desire these services.

Host Merchant Services has received exclusively positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

host merchant services logo

Contact Host Merchant Services

Website: hostmerchantservices.com
Phone: (888) 727-4538
View Pricing
PaymentCloud Company Logo

PaymentCloud

See Our Full PaymentCloud Review
  • Fast approval for numerous "high-risk" industries
  • Broad product and service offering
  • Highly praised customer support
View Pricing
Sales & Support:
(888) 506-7859
★ ★ ★ ★ ★

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These features allow merchants to accept payments on-site using mobile payment devices and generate detailed invoices for their services that can be paid through a virtual terminal. For those reasons, PaymentCloud is a good option for construction companies as it allows them to process payments for services online, through the phone, or remotely from a job site.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

PaymentCloud Company Logo

Contact PaymentCloud

Website: paymentcloud.com
Phone: (888) 506-7859
View Pricing
national processing credit card processing logo

National Processing

See Our Full National Processing Review
  • Top-rated choice for businesses that want Clover POS
  • Fast approval and next day deposits
  • Quick equipment deliver and 24/7 support
View Pricing
Sales & Support:
(385) 777-1235
★ ★ ★ ★ ★

National Processing offers several small business processing options and can assist construction companies with identifying the right POS system or virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.

National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most construction businesses.

For more information, see the National Processing website or call (385) 777-1235.

national processing credit card processing logo

Contact National Processing

Website: nationalprocessing.com
Phone: (385) 777-1235
View Pricing

Additional Options

cdg commerce logo

CDG Commerce

See Our Full CDG Commerce Review
  • Specialized services for most industries
  • Simple and transparent rates
  • 350+ technology integrations, including Quickbooks
View Pricing
Sales & Support:
(888) 393-1079
★ ★ ★ ★ ★

Located in Chesapeake, Virginia, CDG Commerce is another great option for construction companies of all sizes and types. CDG has been privately owned since 1998 and offers a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, security breach protection, and vulnerability scanning. CDG Commerce is ideal for construction businesses that would like a simple, low-cost, fully integrated method for accepting payments online or in person.

CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

For more information, see the CDG Commerce website or call (888) 393-1079.

cdg commerce logo

Contact CDG Commerce

Website: cdgcommerce.com
Phone: (888) 393-1079
View Pricing
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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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How To Sync Payments With QuickBooks

The following merchant services providers offer either direct or indirect integration. Providers with direct integration offer solutions like payment gateways, plugins, or APIs that seamlessly transfer your transaction details and payment history from your merchant account to QuickBooks. Providers with indirect integration…

Read more >>>

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Before You Switch,
Audit Your Costs

Before you switch processors, audit your current processing costs to ensure that you save the most you can possibly save in fees.

Learn How >>>

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