What Is Embedded Payments for Field Service Management Software?
Embedded payments for field service management (FSM) software means card and ACH processing built directly into the platform contractors already use to schedule jobs, dispatch technicians, and send invoices. The software company offers payments under its own brand, without becoming a registered PayFac, and earns revenue share on every transaction its users process.
Your Contractors Are Getting Paid. Your Platform Isn't.
Field service businesses collect payment on-site, by text-to-pay, and through recurring service plans. If those payments run through a third-party processor, your platform carries the integration work and support tickets — while someone else keeps the margin.
Revenue left on the table
Payments are often the largest revenue line an FSM platform isn't capturing.
Clunky handoffs
Sending contractors to a separate processor means another login, another statement, and slower onboarding.
PayFac is a heavy lift
Becoming a registered PayFac means sponsor-bank agreements, underwriting, compliance staff, and liability for losses.
linq Makes Payments a Native Feature of Your FSM Platform
linq is Merchant Focus's PayFac-as-a-Service platform. We handle underwriting, compliance, risk, and settlement. You get a white-labeled payments experience inside your product and a share of the revenue on every transaction your contractors process.
Live in Three Steps
Integrate
Connect linq through our APIs and embeddable components. Your team keeps full control of the UX.
Onboard contractors
HVAC, plumbing, electrical, and landscaping businesses apply inside your app with digital KYB and fast approvals.
Earn on every payment
Card and ACH payments settle to your contractors. Your platform earns revenue share on the volume.
linq for Field Service Platforms at a Glance
| Model | PayFac-as-a-Service |
|---|---|
| Payment types | Credit and debit cards, ACH [CONFIRM: tap-to-pay, Apple Pay, Google Pay] |
| Contractor onboarding | Digital KYB, approval in [X business days] |
| Payout timing | [Next-day / same-day] |
| Integration | REST APIs and embeddable, white-label components |
| Time to launch | [X weeks] |
| Platform economics | Revenue share on every transaction |
| Support | Merchant Focus payments team, with dedicated support available 24/7 |
Payment Features Your Contractors Will Actually Use
Pay on the job site
Card-present and tap-to-pay from the technician's mobile app, right after the work is done.
Invoice and text-to-pay links
Send a payment link by SMS or email the moment a job is closed.
Deposits and progress billing
Collect upfront for parts or large installs, then bill the balance on completion.
Recurring service plans
Automate maintenance-agreement billing on cards or ACH.
ACH for large tickets
Lower-cost bank payments for commercial jobs and big-ticket installs.
Unified reporting
Payments reconcile against jobs and invoices inside your platform, not a separate portal.
Turn Payments Into Your Next Revenue Line
With linq, your platform earns a competitive revenue share on every transaction. No sponsor bank to negotiate. No underwriting team to hire. No loss liability on your balance sheet.
Learn more about linqlinq vs. Becoming a PayFac vs. a Referral Processor
| linq (PayFac-as-a-Service) | Become a registered PayFac | Referral / partner processor | |
|---|---|---|---|
| Time to launch | [X weeks] | 12–18 months | Weeks |
| Underwriting and compliance | Handled by Merchant Focus | Your team builds and staffs it | Handled by the processor |
| Loss liability | Not on your balance sheet | Yours | Processor's |
| Revenue to your platform | Revenue share on every transaction | Full margin, minus program costs | Small referral fee, or none |
| Payments experience | White-label, inside your app | Fully yours | Often the processor's brand and portal |
| Support | Dedicated payments team | You build it | Processor's general support queue |
Built for Every Kind of Field Service Platform
We work with software companies serving:
- HVAC, plumbing, and electrical contractors
- Landscaping, lawn care, and pest control
- Cleaning, janitorial, and restoration
- Pool, garage door, and appliance repair
- Roofing, solar, and general contracting
- Commercial facilities maintenance