Offering card payments through Fergus Pay helps you get paid faster, up to 2x faster, in fact. In Australia and New Zealand, paying by card is the standard. Over three-quarters of all payments are made this way. It’s fast, easy, and what your customers expect.

Remove the roadblocks to getting paid fast

Worried about the card fee? Don’t be. With a few tweaks to how you quote and invoice, you can absorb the cost without cutting into your margins and remove the friction that slows down payments. No awkward fee chats. No delays. Just fast, reliable cash flow.

Most customers prefer to pay by card (especially credit card) because it’s quick, secure, and often comes with perks. The easier you make it for them, the faster you get paid.

What is the processing fee?

Processing fees are a small percentage charged on card transactions, this applies no matter which provider you use. It’s standard across all card payments, you may just not notice it in your day-to-day life because most businesses choose to absorb the fee to offer a smoother experience for their customers.

It’s often less than what it costs you in admin time chasing late payments or reconciling bank transfers.

But what about bank transfers?

You might be thinking, “bank transfers don’t have fees, so why not just offer that?”

Here’s the thing: bank transfer puts the admin back on your customer. They have to copy your bank details, enter references, double-check the amount, and switch apps to complete the payment. One small distraction, and it gets pushed back or forgotten.

And on your side? You’ve got to check your bank account, match it to the job, and manually mark it as paid.

Fergus Pay takes that admin off everyone’s plate. Your customer just clicks the “Pay Invoice” button or scans the QR code with no copy-pasting, no typos, no delays. You get paid faster, and they walk away knowing it’s sorted.

How to Cover the Fee (Without you or your customer feeling It)

1. Add it to materials, labour, or create an admin fee

You can create a line item to cover the fee and combine the line item into your materials or labour rates, or add a simple line item like “Admin & Payment Handling Fee”.

Both are easy ways to cover the cost without calling it a card fee. Adding a line item also makes reconciliation easier, you can clearly see how much you’re covering, so your books always match.

2. Absorb the fee into your margins

Slightly adjust your hourly rate or material costs to bake the fee in. Customers aren’t seeing the original price, so most won’t think it’s too high, especially if your quote is clear and professional.

🚀 What other tradies are doing

“We really like the Scan to Pay option that Fergus has, because we can take payments on the spot straight away. This means it enters into the system and marks the invoice as paid. For us getting paid faster is the bonus because cash flow is king.” – Jayson Xceed Electrical

🛠 Next Steps

• Check your current quoting habits. Are you offering Fergus Pay by default?
• Try quoting with the fee absorbed for your next job
• Watch what happens to your payment speed

For more tips, head to the Fergus Pay Hub or chat with the team.

No chasing. No delays. Just faster payments. Nice.