Project work means large tickets spread over months, deposits, retainage and payments taken on site. Structure underwrites contractors for how the work is actually billed.
Construction bills differently from retail. A single job can run for months, split across a deposit, progress payments and retainage held back until completion — and much of it is collected on site rather than at a checkout.
That structure is what unsettles ordinary processors: large tickets, long gaps between payment and completion, and disputes that turn on workmanship rather than delivery. Structure Payments underwrites contractors for how the work is actually billed.
General and specialist contractors alike.
Six characteristics of project work that generic underwriting handles badly.
Large payments spanning months need a structure that supports staged billing rather than treating every charge as a one-off sale.
Disagreements over workmanship or completion convert into chargebacks, and the dispute is about quality rather than whether goods arrived.
Transaction volume swings through the year, and a processor that reads a seasonal spike as anomalous will hold funds at the worst moment.
Deposits, progress payments and retainage all have to be supported and reconciled, not worked around with manual invoicing.
Payments get taken at the job site, which means secure mobile acceptance rather than a terminal back at an office.
Traditional processors simply do not know how construction bills, so they price and monitor the account against the wrong model.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Contractors and construction firms can be approved through a processor that underwrites staged billing, including deposits, progress payments and retainage. Structure Payments approves contractor accounts, typically within about 48 hours.
Yes. Secure mobile acceptance lets you take card payments on site rather than invoicing afterwards, which shortens the gap between completing work and being paid for it.
Because payments are large, staged across months, and separated from completion by a long window. Disputes turn on workmanship rather than delivery, and seasonal volume swings look like anomalies to a generic risk model.
Yes. Deposit collection, milestone and progress payments and retainage are all supported, because they are how construction is actually billed rather than an exception to it.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.