Payments

Zero-fee payment processing
for contractors.

Keep 100% of every invoice. Your customer pays a small convenience fee at checkout — you never lose a dollar to processing fees again.

Start for free →See how it works ↓
$0
Processing fees deducted from you
3.5%
Convenience fee paid by customer
$1–$5
Flat-rate bank transfer option
How it works

Four steps to getting paid

Send an invoice, get paid in full. It's that simple.

1

Send an invoice

Create a professional invoice in seconds. Your customer receives it via text message or email with a secure payment link.

2

Customer pays

They choose their preferred method — credit/debit card, Apple Pay, or bank transfer (ACH). Easy checkout on any device.

3

Fee is shown at checkout

The 3.5% convenience fee is clearly displayed before payment. The customer sees it, approves it, and pays. Fully transparent.

4

You keep 100%

The full invoice amount deposits into your bank account within 2 business days. No deductions, no surprises, no hidden fees.

Payment methods

Every way your customers want to pay

Accept cards, Apple Pay, and bank transfers — all from one invoice link.

💳

Credit & Debit Cards

Visa, Mastercard, Amex, and Discover. Customer pays a 3.5% convenience fee at checkout. You keep 100% of the invoice amount.

3.5% paid by customer

Apple Pay

One-tap payments from iPhone and iPad. Same 3.5% convenience fee structure. Fast, secure, and familiar for your customers.

3.5% paid by customer
🏦

Bank Transfer (ACH)

Direct bank-to-bank payments with flat-rate pricing. Lower cost option for larger invoices. Funds arrive in 3–5 business days.

$1–$5 flat fee
The math

How much you'll save

Traditional processors take 2.9%–3.5% from every payment. With Maple Street, you keep it all.

Monthly RevenueFees You'd Pay ElsewhereAnnual Savings
$3,000/mo$105/mo$1,260
$5,000/mo$175/mo$2,100
$8,000/mo$280/mo$3,360
$12,000/mo$420/mo$5,040
$20,000/mo$700/mo$8,400

Based on industry-average 3.5% processing fee. Actual savings vary by payment mix.

⚖

Surcharge compliance — handled automatically

Passing processing fees to customers (surcharging) is legal in 48 states. Maple Street handles all the compliance details so you don't have to think about it.

✓48 states: Surcharging enabled with required disclosures auto-generated
✗CT, MA, PR: Surcharging prohibited — Maple Street auto-disables for these locations
◐Colorado: Capped at 2% — Maple Street automatically adjusts the rate
Questions

Common questions

Will my customers actually pay the processing fee?
Yes. 97% of consumers already pay convenience fees for utilities, parking, and online purchases. The fee is clearly disclosed at checkout, and most customers prefer paying online over writing a check. You can always absorb the fee on any individual invoice if you prefer.
How fast do I get my money?
Card and Apple Pay payments deposit in 2 business days. Bank transfers (ACH) take 3–5 business days. All funds go directly to your connected bank account via Stripe.
How do bank transfers work?
When a customer chooses bank transfer, they securely connect their bank account through Plaid. A flat fee of $1–5 applies depending on the invoice amount — much cheaper than card processing on larger invoices.
Is it legal to pass processing fees to customers?
Yes. Surcharging is legal in 48 states. Maple Street automatically handles compliance — surcharging is disabled in Connecticut, Massachusetts, and Puerto Rico, and capped at 2% in Colorado. Required disclosures are generated automatically.
What if a customer disputes a charge?
Maple Street uses Stripe for all payment processing, which includes built-in fraud protection and dispute management. If a chargeback occurs, we help you submit evidence and resolve it through Stripe’s dispute process.

Stop losing money
on processing fees.

Set up in 5 minutes. Send your first invoice today.
Your customer pays the fee — you keep every dollar.

Get started free →