Why Cleaning Companies Need a Dedicated Merchant Account
Most cleaning businesses start by accepting regular payment instruments such as cash or bank transfers. Some of these businesses also accept payments through popular P2P applications such as Venmo or Zelle. The primary reason behind choosing these payment methods is because all of these appear to be very simple but as the cleaning and housekeeping business grows, this approach can actually become the biggest liability of business owners. Here, in this simple table, we explore the truth about each of the payment methods and the hidden problems.
| Payment Method | The Hidden Problem |
|---|---|
| Cash | Easy to lose, impossible to track, attracts theft, and makes it difficult to prove business income when applying for loans or financing. |
| Checks | Can bounce, take several days to clear, incur bank fees, and require time-consuming trips to the bank. |
| Zelle | Often mixes with personal transactions, creates accounting headaches, is difficult to audit, and many businesses refuse to use it for commercial payments. |
With a dedicated merchant account for your cleaning and housekeeping business that you will get through QuadraPay Partners, you will be able to eliminate every single one of these problems that we have discussed. Each transaction will be recorded, finalized, and deposited into your business bank account automatically as per the agreement with the payment service provider.
How to Automate Check Payments to Your Bank Account for Cleaning Clients
This is one of the most searched questions among cleaning business owners, and it is for a good reason. Automated check payments via ACH or eCheck is the single most powerful cash flow tool for any cleaning or housekeeping company that has recurring clients. Let us explain to you exactly how this flow works.
- In the first step, the client fills out a simple online form, or the client may also provide verbal authorization to the cleaning company over the phone with their bank account number and routing number. This usually takes less than two minutes.
- In the next step, you set the schedule for weekly cleaners, bi-weekly maid services, or monthly janitorial contracts; you will set the billing date once, and the system will handle every future charge automatically.
- The third step is automatic debit plus bank deposit. On the billing date, the ACH network electronically debits your client’s account, and then it will deposit the funds directly into your business bank account. This typically happens within one to three business days.
- Step four is the most captivating because you get digital records, and you do not have to implement any administrative work. Every transaction is logged in your real-time dashboard with the precise date, amount, name of the client, and the status of the transaction. Tax time becomes simple, loan applications become straightforward, and chargebacks become extremely manageable.
With QuadraPay’s ACH and eCheck solution, cleaning and housekeeping businesses across the United States can serve their regular customers. It is one of the most cost-effective options for high-value and recurring cleaning contracts, and this solution generally costs 60% to 80% cheaper when you compare it to regular credit card processing fees.
Complete Payment Solutions for Housekeeping Companies
QuadraPay gives your housekeeping company access to almost every payment method that your client expect and you will get all of this through a single merchant account. This includes credit and debit card processing so that you can accept Visa, MasterCard, American Express, and Discover transactions. You can accept payments in person, online, or also over the phone. In most cases, if your account appears to be in the low-risk profile as per the acquirer’s risk parameters, then you will be able to get settlement within one to two business days.
We also offer e-check and ACH direct debit solution, which allows you to automatically collect the recurring payments from your client’s bank account. This is best for subscription cleaning plans and large commercial contracts that your housekeeping company takes on regular basis.
We also give you the ability to accept payments through virtual terminal so that you can process payments over the phone and for this, all you have to do is enter the credit card details on any computer or tablet. This is perfect for those housekeeping companies that accept phone booking or remote invoicing.
In our merchant services inventory, you will also find cleaning service point of sale system. These are portable, compact credit card terminals and smartphone readers for on-site payment collection. Your customers can tap on these terminals to make payments by using their EMV or NFC-enabled cards. These small on-the-go terminals support payment acceptance through all major credit and debit cards.
If you have a website on which your customers visit and make the bookings, then you can utilize our online payment gateway solution. With the API-integrated checkout on your cleaning company website and booking platform, your clients can book, pay, and confirm everything in a single flow.
We also offer you an installment payment platform so that you can offer the clients the ability to pay for deep cleans, post-construction cleaning, or end-of-tenancy services cleaning in structured installments. Basically, you’ll be able to close bigger contracts by utilizing this payment instrument. This gives you extreme flexibility.
We also support recurring billing for those cleaning and housekeeping businesses that operate on a subscription model. You’ll be able to turn every regular client into a subscription. You can set a weekly, bi-weekly, or monthly billing cycle. This will help you to reduce cancellation, improve cash flow, and also assist you to scale confidently.
All of our payment processing solutions come with multi-currency capability, which means you’ll be able to accept payments in over 50 currencies. These are perfect for UK and EU based cleaning companies that serve international clients or Airbnb and vacation rental markets.
Cleaning Services POS: Accept Payments Anywhere
A cleaning service point-of-sale system from QuadraPay serves as comprehensive tool, with all details synced in a payment hub tailored for cleaning professionals working in the field. With the point of sale system, you will be able to accept credit cards, debit cards, contactless, NFC, and mobile wallets such as Apple Pay and Google Pay.
You’ll be able to process payments at the client’s home, at the office, or even at commercial sites. With the comprehensive solution, you can send instant digital receipts via email and SMS to your customers. The system automatically stores the client’s details after every order. The merchant panel report provides a comprehensive sales insight, with all details synced in real-time.
These smart handheld devices operate on Wi-Fi and GSM SIM. Our point-of-sale terminals come in different form factors, such as compact, on-the-go terminals; standalone terminals; and countertop terminals. With all these devices, you will get security at every level. The devices we provide, working with top payment service providers, follow PCI DSS rules and support EMV chip processing, 3D secure authentication, and strong customer authentication for transactions in the EU and UK. Your clients can trust that their payment data is always protected.
Credit Card Processing for Cleaning Services, Janitorial & Pest Control
QuadraPay provides specialized credit card processing for home service businesses across all cleaning-related merchant categories.
- Home cleaning and maid services MCC 7349
- Janitorial and commercial cleaning MCC 7349
- Pest control, disinfection and fumigation MCC 7342.
Along with that, we also serve businesses offering property maintenance and facility management, window cleaning, carpet cleaning, and even car detailing. Many of the low-risk processors sometimes treat cleaning and home service businesses as high-risk, and this is due to the service-based nature, the potential for chargebacks, and the requirement of subscription billing. QuadraPay works with specialized acquiring partners in the U.S., U.K., European Union, and Australia that support these industries.
How QuadraPay Helps You Scale. From Solo Cleaner to Multi-Team Operation
A generic payment solution provider will open the account for you. However, when you work with QuadraPay, we build a payment infrastructure for you that grows with your business. Our solutions are perfect for cleaning companies of all sizes. This service includes solo cleaners or startups.
- You will be able to get a mobile credit card reader, virtual terminal and eCheck processing. In most of the cases, there will not be any monthly fees until you start transacting. Some merchants may also qualify to accept credit card payments the same week when they make the application.
- We also support businesses that have growing teams, with staff members ranging from 2 to 10. You will be able to get dashboard access, automate the invoicing, and also manage subscription billing. You will be able to know exactly which jobs have been paid and which have not yet been paid.
- You can access all this information in real time from your mobile, laptop, or tablet. We also offer payment solutions for commercial janitorial operation companies. By utilizing this solution, you can accept payments from all types of customers. When you win government contracts, hotel chain contracts, or corporate accounts, then our solution can support you with B2B invoicing, ACH transactions, and multi-currency settlement.
- If your company is excited to expand in different countries, then QuadraPay’s acquirer network can be extremely beneficial for you because our processing partners are based in the US, UK, Europe, and Australia. This means you’re running your business; you can process in almost every major market with the support of local acquiring channels. This also means that you will be paying lower fees, getting faster settlements, and experiencing fewer declines.
Transparent Billing & Flexible Payment Options for Cleaning Services
Every client of yours wants transparency. Your business needs cash flow certainty, and the solution that we offer provides you with access to both.
For your residential clients, you get to issue invoices that will list every clean, date, and amount. You’ll be able to send a secure payment link to your customers via email or SMS. Your clients can make the invoice payments in one click. The file stores card information for automatic post-clean charging. You’ll be able to set up regular weekly or bi-weekly debits for agreed-upon housekeeping services.
For commercial clients, you’ll be able to use ACH direct debit for large contract values. When you partner with QuadraPay, you can trust that there will be no hidden fees or surprise charges. QuadraPay is completely transparent on processing rates, and we offer a free savings analysis to you that will show you exactly how much you are currently overpaying with your existing payment service provider and how much you can save when you switch to our solution.
Merchant Account for Janitorial Services MCC 7349
Janitorial services cover commercial cleaning for offices, schools, hospitals, industrial facilities, hotels, and government buildings. QuadraPay’s processing partners in the United States, the UK, and the European Union, as well as Australia, provide merchant accounts to these businesses under the MCC 7349, with support for recurring contract billing, large B2B invoice processing, ACH payments for U.S. clients, SEPA direct debit for European clients, a virtual terminal for phone-based order management, and real-time reporting and comprehensive chargeback management tools.
There are certain documents that are required to apply for a merchant account for your janitorial services business. These include:
- Filled merchant account application form
- Photo ID or passport of the director of the company
- Business bank account statement (preferably for the last three months)
- Personal bank account statement of the directors for the last three months
- Articles of incorporation
- Memorandum of association
- Business license
- Operational permits
- Sample service contracts or invoices that you send to your customers
- Copy of the refund and cancellation policy
- Processing history, if available. If you are a startup business, then the processing history is not mandatory.
Merchant Account for Disinfecting & Pest Control Services MCC 7342.
Pest control, fumigation, extermination, and professional disinfecting services operate under the MCC 7342. Our partners in the EU, UK, US, and Australia offer merchant accounts for this category with useful features like a secure payment gateway that meets PCI DSS standards, the ability to process multiple currencies, options for recurring billing for yearly pest control contracts, advanced systems to prevent fraud and alert you about chargebacks, and a dashboard that shows transactions in real-time.
Before & After: Running Your Cleaning Business Without and With QuadraPay
If you’re currently running your business without QuadraPay, that means you’re running your business in the old way. This means you are requesting credit card details from your clients by phone or in person. Then you are manually logging into the payment system, and you are keying in the information. You’re hoping that the checks don’t bounce or the cash doesn’t go missing. You also chase unpaid Zelle requests. You manually record every transaction in a spreadsheet, and you guess at your income when tax season arrives. You basically lose larger commercial contracts because you can’t invoice them in a professional manner.
But when you switch to the QuadraPay solution and start accepting payments in the new way, then your client card is stored securely on file from day one. The payments are auto-charged the moment the job is marked complete. With eCheck recurring billing, you’ll be able to handle weekly and monthly client billing automatically. Every transaction is logged, timestamped, and exportable with limited details.
The dashboard shows you paid versus outstanding in seconds. Along with that, tax reporting becomes effortless for you because you can see all the transactions in one place. You’ll be able to win big B2B contracts with professional invoicing and ACH as well as bank transfer capability.
Frequently Asked Questions: Payment Processing for Cleaning Businesses
Can I automate check payments to my bank account from my cleaning clients?
Yes, with QuadraPay’s ACH and eCheck solution, you’ll be able to collect recurring bank-to-bank payments from your U.S.-based clients automatically. The client will authorize the transaction once, and the system will bill them as per the approved schedule and then deduct the amount and deposit the money directly into your business bank account within one to three business days.
What is the best payment solution for a housekeeping company?
The best payment solution for a housekeeping company is a combination of ACH for recurring clients and credit card processing for one-off jobs, as well as a virtual terminal for phone bookings. QuadraPay provides all these three solutions under one merchant account for your housekeeping business.
Do cleaning companies get approved for merchant accounts in the UK and European Union?
Yes. While some mainstream processors still consider service-based businesses slightly risky, QuadraPay works directly with specialized acquirers across the UK, U.S., European Union, and Australia that regularly review and approve merchants from various high-risk industries, including a variety of cleaning, janitorial, pest control, and housekeeping companies.
What is a cleaning service point of sale system?
A cleaning service point of sale system is a portable payment terminal or a smartphone-based credit card reader that lets business owners like you accept credit card payments on-site at the client’s location. QuadraPay’s point-of-sale system supports contactless, chip, swipe, and mobile wallet payments with a high level of industry-standard security.
Can I offer installment payments to my housekeeping clients?
Yes. QuadraPay can connect you to installment payment solution providers that allow clients to pay for high-value cleaning contracts as per scheduled installments, while you’ll be receiving structured payouts on an agreed timeline.
What payment methods do commercial cleaning clients prefer?
Commercial cleaning clients and commercial businesses prefer ACH bank transfers, eCheck payments, and credit card invoicing as the preferred modes of payment. With QuadraPay, you receive all the necessary tools to successfully win and retain large B2B contracts.
Is credit card processing expensive for cleaning businesses?
No. At QuadraPay, we offer competitive interchange-plus pricing with no hidden fees and, in most of the cases, no cancellation charges for select merchants. We offer a free savings analysis that shows you what you’ll pay when you switch to our solution and how it compares to your current setup.
Get Your Cleaning Business Merchant Account
Join thousands of merchants that have trusted QuadraPay as their partner when it comes to choosing a payment processing solution across the U.S., U.K., Europe, Australia, and New Zealand. In most of the cases, merchants can qualify for no application fee, very low or no monthly fee until you start processing, and quick approval, where you submit the documents utilizing a secure online link. You also receive dedicated support from our partner processors, and you will have access to a free savings analysis.
Apply today and find out how much you can save with us every year.
