Bring-Your-Own-Payments Explained: How to Save £2,000-4,000/Year on FSM Software

BYOP explained: how to connect Stripe or Square to your field service software instead of using the vendor's payment rail, and exactly how much you save.

When you sign up for Housecall Pro, Jobber, or ServiceTitan, the pricing page shows you a monthly software fee. What it does not show you, anywhere above the fold, is the payment-processing rake: the 2.49–3.49% the vendor takes on every card payment your customers make.

For a 5-tech plumbing shop processing £200,000 of card-paid revenue per year, that rake is £4,980–£6,980 annually. It is 3–5x the annual software subscription. And most shops never realise it until the second or third month’s Stripe-vs-vendor-statement comparison.

This guide explains how to avoid it.

What is bring-your-own-payments (BYOP)?

BYOP means connecting your existing Stripe, Square, or Adyen account to your FSM platform instead of using the vendor’s built-in payment processor.

The mechanic: when a tech sends an invoice from the field, the “Pay now” button charges the customer via your Stripe account instead of the vendor’s rail. The funds land in your Stripe dashboard, minus Stripe’s rate. The FSM platform records the payment against the invoice.

The rate math

Processor	Rate	Cost on £200K/yr
Stripe (UK, in-person)	1.5% + 20p	~£3,000–£3,040
Square (UK, in-person)	1.75%	£3,500
Housecall Pro Payments	2.49–3.49%	£4,980–£6,980
Jobber Payments	2.9% + 30p	~£5,800
Workiz Pay	2.69%	£5,380

Stripe BYOP versus HCP Payments: saves £1,940–£3,940/year. On a 5-tech shop at £200K, the BYOP saving typically covers 1–2x the annual software subscription.

Which tools support BYOP

Workiz: Full BYOP support. Connect Stripe or Square in Settings, set as default on invoices. Documented in their help center. Best BYOP experience in the SMB FSM tier.

Kickserv: Full BYOP support. Stripe integration via Settings, clean setup.

Housecall Pro: Technically yes. You can connect Stripe but the UX paths default to HCP Payments throughout the invoicing flow. Most shops that start with HCP end up on HCP Payments within 30 days because the alternative requires deliberate settings changes that are not surfaced during onboarding.

Jobber: No BYOP. All card payments process through Jobber Payments. This is a documented limitation, not a bug.

ServiceTitan: No BYOP on standard contracts. Enterprise contracts may have options, negotiate explicitly before signing.

How to set up Stripe BYOP on Workiz (step by step)

In Workiz, go to Settings → Payments → Payment Methods.
Click “Connect Stripe account.”
Sign into your Stripe account (or create one, takes 5 minutes).
Set Stripe as the default payment method on new invoices.
Test with a £1 invoice to yourself.
Roll out to techs, the invoice “Pay now” button now charges via Stripe.

Total setup time: 20–45 minutes. No API keys required.

When BYOP is NOT worth it

Your annual card-paid revenue is under £50,000. The saving is under £750/year, real money, but smaller relative to the time cost of managing two payment dashboards.
You are on a trial and are not certain you will stay with the tool. Set BYOP up after you are committed.
Your accounting sync relies on the vendor’s payment data. Test the full reconciliation cycle before going live.

Payment-processing fee, the glossary definition
Bring-your-own-payments (BYOP), quick reference
Workiz review, the best BYOP implementation
Jobber vs Workiz comparison, the BYOP arithmetic side by side
Total cost of ownership, full-cost model