FieldServiceSoftware.net

Glossary

Bring-Your-Own-Payments (BYOP)

BYOP in field service software: using your own Stripe or Square account instead of the vendor's payment rail. Can save £2,000-4,000/year.

Related: payment processing fee add on creep total cost of ownership

Definition

Bring-your-own-payments (BYOP) means connecting your own third-party payment processor, typically Stripe, Square, or Adyen, to your field service software instead of using the vendor’s built-in payment rail.

Why it matters

The vendor’s payment rail (HCP Payments, Jobber Payments, Workiz Pay) typically charges 2.49–3.49% per card transaction. A typical third-party processor:

  • Stripe (UK): 1.5% + 20p in-person; 1.5% + 25p online
  • Square (UK): 1.75% in-person; 2.5% online
  • Adyen: negotiated rates, typically 1.0–1.8% at volume

The difference is 0.5–1.5 percentage points per transaction. On £200K of annual card-paid revenue, that is £1,000–£3,000 per year in savings, often greater than the annual software subscription cost.

Which tools support BYOP

ToolBYOP supportNotes
WorkizFull supportStripe/Square, no UX friction. Best BYOP experience in the SMB tier.
KickservFull supportStripe integration documented and easy to configure.
Housecall ProPartialTechnically possible but UX steers you toward HCP Payments.
JobberNoAll card payments must route through Jobber Payments.
ServiceTitanNoVendor-only payment rail on standard contracts.

Practical considerations

  1. Setup: BYOP typically requires connecting your Stripe/Square account in the FSM settings, then setting it as the default on new invoices. Takes 20–45 minutes.
  2. Reporting: Some FSM tools report payment data differently when using BYOP, verify your accounting sync works before rolling out to all techs.
  3. Chargebacks: You manage chargebacks through Stripe/Square’s dashboard, not the FSM platform. This is usually simpler, not harder.

Further reading