Free POS for contractors. Same-day approvals, zero reserves, same-day funding. Built for GCs, plumbers, HVAC, roofers, and remodelers. Tap-to-pay on iPhone.
Contractors lose money to payments twice: once in fees on big-ticket jobs, and again in the days spent waiting for checks to clear or invoices to be paid. Onyx Processing fixes both. Accept cards on-site with tap-to-pay on iPhone or a free smart terminal, send invoices and payment links from the field, and get same-day funding so a completed job becomes usable cash before you've packed up the truck.
Big tickets are the norm in the trades — a
| Onyx Processing | Square / Typical Processor | |
|---|---|---|
0k+ transactions | Pre-approved at underwriting | Trigger review and holds |
| Reserves | Zero | Often 5–10% on large tickets |
| Hardware | Free smart terminal + tap-to-pay | $50– 00/mo rental or purchase |
| Funding | Same-day | 1–3 business days |
| Deposits & progress billing | Native invoicing support | Manual workarounds |
Yes. With Onyx, contractors take cards on-site using tap-to-pay on iPhone (no hardware needed) or a free smart terminal. For customers who prefer not to pay in person, you can text or email a payment link that works for deposits, progress payments, or the final invoice.
Not with Onyx. We underwrite your typical ticket size up front — if you regularly close
Onyx provides free smart terminal hardware to qualifying contractors — no purchase, no monthly rental. You get a device that takes tap, chip, and swipe plus Apple Pay and Google Pay, and it's covered under our hardware support program. Pair it with tap-to-pay on iPhone for crews in the field.
Yes, through compliant surcharging or dual pricing where state rules allow. Onyx terminals handle the compliance details automatically — debit card detection, required disclosures, and receipt formatting — so many contractors bring their effective processing cost near zero.
Same-day funding is available, so payments you take in the morning can be in your bank account the same business day. That matters in the trades, where materials for the next job often need to be bought before the last invoice would traditionally clear.
Yes. Onyx invoicing supports deposit requests, milestone/progress billing, and final invoices — each payable by card or lower-cost ACH. You can also save a card on file with customer authorization for scheduled draws on longer projects.