General Contractors
Manage multiple jobs, sub invoices, and client billing from a single dashboard. Keep every project's paperwork organized without a file cabinet.
Contractor invoicing software built for the field
The invoice app built for contractors.
Send professional estimates from any job site, collect card payments online, and pass the processing fee to the customer — so every job pays exactly what it's worth. Contractor billing software that works the way you do.
Pass card fees
Keep 100% of what you charge
Estimate → Invoice
One-click conversion
Get paid online
Stripe-powered pay links
The hidden cost of card payments
You're losing thousands a year on processing fees — and most contractor invoicing software accepts it.
Standard card processing costs roughly 2.9% plus $0.30 per transaction. On a $2,000 roofing job paid by card, that's $58 gone before you see a cent. Most contractor billing software either ignores this or forces you to absorb it quietly as a cost of doing business.
KoPay was built around a different premise. KoPay automatically calculates the processing fee and adds it to every invoice as a disclosed line item. Your customer sees it before they pay. You collect your full quoted price — every single time.
This isn't a workaround or an add-on. It's core to what KoPay does. For contractors, tradespeople, and field service businesses, protecting margin on card transactions is the difference between a profitable year and one where you worked hard and ended up with less than you should have.
We're a US-based team built specifically for businesses like yours. We take user feedback seriously and ship new features based on what real contractors tell us they need. If you've ever sent an invoice and watched the payment land for less than you expected, KoPay fixes that.
$5,075
Lost annually on card fees for a contractor billing $150K/year with 70% card payments at standard rates
$25,375
Lost over five years — enough to fund a full equipment upgrade or hire a part-time admin
$0
Processing fees absorbed by you — KoPay's fee pass-through is built into every invoice
Who it's for
Contractor invoicing software built for every trade
Whether you're a general contractor managing multiple subcontractors or a solo electrician running 8 jobs a week, KoPay handles contractor billing, payment collection, and fee pass-through the same way across every trade vertical.
Electrical Contractors
Quote service calls and panel upgrades with accurate estimates. Convert signed estimates to invoices and collect card payment before you leave the site.
Plumbing Companies
Fast invoicing for emergency calls and scheduled jobs. Pass the card fee on high-ticket repairs and keep the margin you deserve on every service call.
HVAC Technicians
Send estimates for installs and service agreements, collect signatures, and invoice the same day the work is done — all from a phone in the field.
Remodelers & Specialty Contractors
Detailed line-item invoices for labor and materials. Deposit invoices before the job, final invoices after. Customers pay online — no chasing checks.
Field Service & Dispatch Teams
Multi-tech operations with role-based access. Office staff manage invoicing; field techs create and send invoices on-site. Everyone on the same platform.
The real math
What fee pass-through actually means for a $250K contractor
Let's make this concrete. A general contractor billing $250,000 a year with 65% of jobs paid by card is processing roughly $162,500 in card payments annually.
At standard Stripe rates (2.9% + $0.30 per transaction, average job value $2,500), that works out to approximately $5,625 in annual processing fees coming directly out of revenue.
With KoPay, that $5,625 is added to customer totals instead of deducted from your payouts. Over three years, that's $16,875 back in your pocket. Over five years, it's close to $28,000 — real money that most contractor invoicing software quietly lets slip away.
The customer pays an extra 3.4% on jobs they're paying by card. For most customers, this is a known and accepted cost of using a card. When it's shown transparently on the invoice before they pay, it rarely creates friction. The alternative — you absorbing the cost silently — just means working harder for less.
$250K
Annual billing (example contractor)
65%
Paid by card = $162,500 in card transactions
$5,625/yr
In processing fees passed to customers instead of absorbed — with KoPay
Features
Everything a contractor invoice app needs
Processing Fee Pass-Through
KoPay automatically calculates the card fee and adds it to every invoice as a visible line item — accurately and automatically on every job.
Estimates with Digital Signatures
Send a line-item estimate by email. Customer reviews and signs digitally. You get notified instantly and can convert it to an invoice with one click.
One-Click Invoice Conversion
Convert an accepted estimate to a final invoice without retyping anything. Contractor billing software that eliminates double entry and saves real time.
Stripe-Powered Pay Links
Every invoice includes a secure online payment link. Customer clicks, pays by card, you get a notification. No calls, no checks, no trips to the bank.
Customer & Job History
Every invoice and estimate tied to a customer record. Reference past jobs, contact details, and notes on every call-back or repeat job without digging through email.
Team Access & Permissions
Add office staff, crew leads, and subcontractors. Role-based access means everyone sees what they need — and nothing they shouldn't.
How KoPay compares
KoPay vs other contractor invoicing software
Most small business invoicing tools were built for office-based businesses, not contractors in the field. Here's how KoPay stacks up against the most common alternatives.
| Feature | KoPay | QuickBooks | Stripe Invoicing | Joist | Jobber |
|---|---|---|---|---|---|
| Processing fee pass-through | Yes | No | No | No | No |
| Estimate → Invoice (1-click) | Yes | Manual | Manual | Yes | Yes |
| Digital estimate signatures | Yes | No | No | Yes | Yes |
| Built for field contractors | Yes | No | No | Yes | Yes |
| Stripe-native payments | Yes | Add-on | Yes | No | No |
| Team permissions | Yes | Yes | Limited | No | Yes |
| Free to start | Yes (beta) | No | No | No | No |
How it works
From quote to cash — three steps
Build your estimate
Add labor, materials, and taxes as line items. KoPay automatically includes the processing fee in the customer's total as a transparent line item. Send for digital signature.
Convert to invoice
Once the job is done, convert the signed estimate to a final invoice in one click. No retyping. The customer gets a payment link in their inbox immediately.
Collect your full amount
Customer pays by card through the Stripe-powered link. You get notified, the invoice updates to Paid, and the full amount — fees included — hits your account.
Also useful for contractors
Related guides
FAQ
Common questions about contractor invoicing software
Can I legally pass credit card fees to my customers?
Yes, in most states for service businesses and B2B transactions. KoPay adds the fee as a disclosed line item so customers see it upfront — this is the standard for compliant surcharge and convenience fee models.
Does contractor invoice software work on mobile?
Yes. KoPay runs in any mobile browser — no app download needed. Create estimates, send invoices, and check payment status from your phone at any job site.
Can I collect a deposit before the job starts?
Yes. Send a deposit invoice for the partial amount upfront, then a final invoice when the work is complete. Both include Stripe payment links so customers pay online.
How does estimate-to-invoice conversion work?
You create a line-item estimate with labor, materials, and taxes. Email it to the customer for digital sign-off. Once accepted, convert it to a final invoice in one click — no retyping any line items.
What does contractor billing software cost?
KoPay is free during our beta. Sign up, add your team, and lock in early access pricing before paid plans launch. We'll give you ample notice before anything changes.
How do I know when a customer pays?
You get an email notification the moment a Stripe payment completes. Your dashboard updates the invoice to Paid in real time — no manual reconciliation needed.
Stop losing margin on every card payment.
Join contractors already using KoPay to pass processing fees, collect payment faster, and run a cleaner billing operation — built in the USA, free during beta.
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