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How to Accept Credit Card Payments as a Contractor

Customers pay faster when they can pay by card. You don’t need a merchant account or a card machine to start.

Updated October 27, 2026 · Written for small contractors and trade crews

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What it costs

Card processors charge a fee per payment, usually a percentage plus a few cents. Compare the rate, whether the app adds its own fee on top, and how fast the money reaches your bank.

How Selk does it

You connect your own Stripe account once. Invoices get a Pay Now link and estimates a deposit link. The money goes to your bank; Stripe charges its normal processing fee and Selk adds nothing. Paid online means the invoice is marked paid automatically.

Questions

Do I need a merchant account?

Not with payment services like Stripe — you sign up with your business details and bank account.

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