HVAC, Plumbing & Electrical Supply
Multi-branch trade supply houses with contractor accounts and counter sales.
Trade supply distributors sell across branches to contractors on account, with counter pickup, will-call and delivery all billed differently. Payments have to work the same way at every branch and still roll up to one set of numbers.
Industry payment challenges
- Multiple branches on inconsistent payment setups.
- Contractor accounts on commercial cards, downgrading at the counter.
- Will-call, delivery and counter sale billed through different paths.
- No consolidated view of cost to collect across branches.
- Branch staff handling card data informally.
Relevant services
Modern card processing built around your business, not a template.
Learn moreOne payments architecture across every location, without silos.
Learn morePayments wired into the systems that already run your business.
Learn morePayments data that ties out to accounting on the first pass.
Learn moreCommon software integrations
Payment acceptance connected to the ERP where finance actually lives.
Learn morePayments that post themselves into your books.
Learn moreWhen a certified integration does not exist, we build one that behaves like it does.
Learn moreRecommended payment methods
- • Counter card-present
- • Commercial cards on contractor accounts
- • ACH for trade accounts
- • Card-not-present for phone and will-call
- • Delivery-on-account billing
Reporting needs
- • Per-branch effective rate and qualification.
- • Consolidated multi-branch settlement reporting.
- • Contractor account payment behaviour by branch.
Security considerations
- Card data tokenized in the gateway, never stored in the ERP or on a quote.
- Hosted payment fields so PCI scope stays with the gateway, not your AR desk.
- Role-based access so counter staff cannot see full card numbers or run refunds.
Implementation Process
- 1
Statement review
You send three months of statements and a sample invoice. We return a line-item breakdown of what is downgrading and what it costs per year.
- 2
Connector and field mapping
We map your invoice fields to the Level 3 data the card brands require, through your ERP connector rather than a virtual terminal.
- 3
Test and cut over
Test transactions confirm qualification before anything moves. Cutover happens between billing cycles.
- 4
Verify the first full month
We compare actual qualification rates against the projection and report the difference. If it did not land, we say so.
Related case studies
All case studies →One structure across branches with consolidated reporting.
Frequently asked questions
We have branches on different processors. Is that a problem?+
It is the most common source of unexplained cost differences between locations doing identical work. Consolidating is usually the first recommendation.
Can branches keep their own reporting?+
Yes. Per-branch reporting rolls up to a group view rather than replacing it.
Talk to an industry specialist
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Ready to see what your setup could look like?
Book a working session focused on hvac, plumbing & electrical supply. Clear recommendations, no obligation.
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- • 1,500+ merchant environments evaluated
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- • 7–14 business day onboarding