Millwork & Architectural Woodwork
Long lead times, custom orders and large deposits - paid for in a way that does not tie up your cash.
Custom millwork runs on deposits against work that has not been built yet, long production cycles, and final balances that land months after the order. The payment structure has to match the production schedule, and the tickets are large enough that interchange is a line item worth managing.
Industry payment challenges
- Fifty-percent deposits large enough to exceed default transaction caps.
- Months between deposit and balance, so saved payment methods have to stay valid.
- Architect and GC customers paying on commercial cards that downgrade.
- Change orders billed separately and reconciled by hand.
- Freight and crating on custom pieces never captured in the transaction data.
Relevant services
Modern card processing built around your business, not a template.
Learn moreLine-by-line statement work that removes real cost — not marketing math.
Learn morePayments wired into the systems that already run your business.
Learn moreA written, line-by-line analysis of what you actually pay for.
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
- • Deposits against signed work orders
- • Progress payments tied to production milestones
- • Commercial cards from GCs and architects
- • ACH for final balances
- • Stored payment methods for multi-stage billing
Reporting needs
- • Open deposits against work in production.
- • Aging by project rather than by invoice date.
- • Qualification rate on the large deposit transactions specifically.
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 →Large deposits cleared without cap failures; Level 3 on GC card payments.
Frequently asked questions
Our deposits get declined for being too large. Why?+
Default per-transaction and daily velocity limits are set conservatively at underwriting. They can be raised, but it requires financials and a conversation before the order, not during it.
Can we store a card for the balance months later?+
Yes, through tokenization. The token survives card reissues in most cases, which matters when production runs six months.
Does Level 3 apply to a deposit?+
Yes, if the deposit carries line-item detail. A deposit posted as a single undescribed amount will not qualify.
Talk to an industry specialist
Tell us about your setup — we'll return honest, industry-specific recommendations.
Ready to see what your setup could look like?
Book a working session focused on millwork & architectural woodwork. Clear recommendations, no obligation.
- • 150+ software platforms reviewed
- • 1,500+ merchant environments evaluated
- • Under 24-hour average response time
- • 7–14 business day onboarding