⚡ Take card payments on site

Get paid before you pack up the van

Tap to Pay, payment links, Direct Debit and financing — all built into Gaffer. Take card payments on site the moment the job is signed off, and watch the money land straight against the invoice instead of chasing it for weeks.

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No credit card required · Web & Android (iOS coming soon) · Built for UK trades

Every way your customer wants to pay, in one place

Tap to Pay on your phone

Accept contactless cards, Apple Pay and Google Pay by holding the customer's card or phone to a compatible handset — no extra reader to buy or carry.

Payment links by text or email

Send a tidy, branded pay-now link straight from the invoice. The customer taps, pays, and the job is settled before you reach the next call.

Direct Debit for repeat work

Set up Direct Debit for service plans, retainers and staged jobs so recurring payments collect themselves on the dates you agree.

Customer financing options

Offer "pay over time" on bigger jobs like rewires or boiler swaps so customers say yes to the full quote and you still get paid up front.

Instant invoice reconciliation

The second a payment clears, Gaffer marks the invoice paid, logs it against the job and the customer, and keeps your books tidy automatically.

Two-way Xero & QuickBooks sync

Every on-site payment flows straight into your accounting software with no double entry, so reconciliation is done by the time you're home.

Built for every trade

Whether you take a deposit on the doorstep or settle a five-figure install, on-site payments work the same way across all 58 trades Gaffer supports.

Electricians, plumbers and gas engineers taking final payment after sign-off
Builders and joiners collecting staged or deposit payments on bigger projects
Roofers, landscapers and tree surgeons settling one-off domestic jobs on the day
HVAC and heating firms running Direct Debit service plans
Tap to Pay, payment links, Direct Debit and financing — included, no separate terminal contract
Payments tied to the job, the quote and the customer record, then synced to your accounts

Common questions about on-site payments

Do I need a separate card reader to take payments on site?

No. Gaffer supports Tap to Pay on a compatible phone, so customers can tap their card or phone against your handset. You can also send a payment link by text or email if you prefer not to use a reader.

Can I take card payments offline or with poor signal?

The Gaffer field app is offline-first for jobs, photos and certificates, so you can keep working with no signal. Card authorisation itself needs a connection, so if signal is weak you can send a payment link the customer pays once they're back online.

How much does it cost and is there a free trial?

Payment features are included in your Gaffer subscription with a 14-day free trial and no card required to start. Card processing fees are charged by the payment provider per transaction. See the pricing page for current plans.

Does the payment update my invoice and accounting automatically?

Yes. When a customer pays, the invoice is marked paid and reconciled in Gaffer, and the record pushes through to Xero or QuickBooks so there's no double entry.