Does BCTM have a monthly bill or subscription?

No. BCTM is $0 per month with no subscription and no per-user seats. Contractors pay only a per-transaction fee when a customer pays them electronically by card or ACH. Creating and sending invoices, sending estimates, and messaging customers are all free.

Can I choose who pays the card processing fee on each invoice?

Yes. On any invoice the contractor can decide whether the customer covers the card processing fee or the contractor absorbs it. Passing the fee to the customer is optional and jurisdiction-aware: BCTM follows US federal card-network rules and state or territory surcharge regulations, so debit and prepaid cards are never surcharged and jurisdictions that restrict surcharging switch automatically to absorb-fee or cash-discount treatment.

How fast do contractors get paid on BCTM?

The same day. BCTM supports instant payouts to the contractor’s bank account when they want them, so contractors skip the check float and the multi-day ACH hold on card revenue.

Is BCTM Platform free to use?

Yes. Creating and sending invoices, estimates, and messages is free. Contractors only pay a per-transaction fee when a customer pays them by card or ACH. There is no monthly bill.

What card processing fees does BCTM charge?

Card payments cost 3.9% + $0.30 per transaction: a 1% BCTM fee plus Stripe processing of 2.9% + $0.30. This is optional on the customer side: the contractor can pass the fee to the customer on any invoice where state and federal surcharge rules allow, or absorb it themselves.

Can I use BCTM offline?

Yes. BCTM is an installable Progressive Web App (PWA) that works offline and syncs your changes when you reconnect.

How do my customers pay an invoice?

You share a secure invoice link. Customers pay online by card through a Stripe-powered checkout. No account required.

What languages does BCTM support?

BCTM is available in 14 languages: English, Spanish, French, German, Portuguese (Brazil), Italian, Dutch, Swedish, Norwegian, Danish, Japanese, Simplified Chinese, Traditional Chinese, and Hindi.

Does BCTM have a point of sale?

Yes. BCTM includes a web-based point of sale at /pos that pairs with a Stripe Terminal card reader for in-person card payments. It uses the same invoice and ledger as online payments.

Can I scan a paper receipt into an invoice?

Yes. Take a photo of the receipt or supplier invoice and BCTM extracts the vendor, date, line items, quantities, and prices with AI. You review the result before saving.

Can I dictate an invoice by voice?

Yes. BCTM supports voice-to-invoice: describe the job out loud and BCTM turns your dictation into invoice line items you can edit before sending.

Does BCTM accept ACH bank payments?

Yes. Customers can pay by ACH bank transfer as a flat-fee alternative to card processing, which saves money on larger invoices.

Can I pass the card processing fee on to my customer?

Yes, on any invoice where state and federal surcharge rules allow. Passing the fee is optional and per-invoice: the contractor decides for each invoice whether the customer covers the processing fee or the contractor absorbs it. BCTM applies the per-state rule automatically at checkout, and switches to absorb-fee or cash-discount treatment in jurisdictions that restrict surcharging.

Can I send estimates and quotes with BCTM?

Yes. BCTM handles both estimates (quotes) and invoices. Send an estimate to your customer, and when they accept it, convert it to an invoice with one tap. The line items, pricing, tax, and customer info carry over automatically.

Can I message customers from an estimate or invoice?

Yes. Every sent estimate and invoice has a two-way message thread. You can ask questions, share updates, or clarify scope right on the document. Your customer replies from their phone without creating a BCTM account, and both sides see the full history. New replies show up on your dashboard as an unread badge.

What trades and contractors is BCTM built for?

BCTM is built for every service-based trade: electrical, plumbing, HVAC, roofing, siding, framing, carpentry, drywall, painting, flooring, tile, insulation, concrete, landscaping, snow removal, pressure washing, junk removal, pest control, security, networking, automation, auto repair, auto detailing, appliance repair, welding, cleaning, interior design, general contracting, handyman services, and any other service business. If you invoice for services or materials, BCTM works for you.

BCTM Blog

The Electrician Payment App Built for Getting Paid Before You Leave the Job

Ask any electrician what slows down cash flow and the answer is rarely the electrical work itself - it is the gap between finishing the panel upgrade and actually seeing the money. If you are looking for an electrician payment app, you are probably done with mailing invoices, waiting on checks, or manually running a card number through a generic payment terminal that has nothing to do with the job you just billed. BCTM is an electrician payment app that ties the invoice, the payment, and the customer conversation into one place, so the panel swap you finished at 4 p.m. can be paid by 4:05.

The real cash-flow problem for electricians

Electrical work tends to be higher-ticket than a lot of other trade calls - a panel upgrade, a whole-house rewire, or an EV charger install can run into the thousands. That makes payment speed matter even more: a two-week float on a $4,000 invoice is real money sitting outside your account. Mailed checks, verbal "I'll pay you next week," and invoices that get lost in an inbox are the main reasons that float exists.

An electrician payment app closes that gap by making it just as easy for the customer to pay as it is for you to bill - ideally before you have packed up your tools.

What to look for in an electrician payment app

Not every invoicing tool is built for how electricians actually work. Look for a few specifics.

Itemized line items for materials (breakers, wire, panels) separate from labor
The ability to quote a job as an estimate first, then convert it once approved
A payment link that works on the customer's phone with no app or account required
Card and ACH payment options, since larger jobs often make ACH the cheaper choice
Offline support, since a lot of electrical work happens in basements and panels with no signal

How BCTM works as an electrician payment app

BCTM lets you build the invoice right after you close the panel - add line items for breakers, wire gauge and length, panel hardware, and labor hours, then send it as a secure link by text. The customer pays online by card, and the payment shows up on your dashboard immediately instead of arriving by mail three days later.

For bigger jobs - a service upgrade, a full rewire, an EV charger install - you can quote it first as an [estimate](/estimates) with the same itemized structure. Once the customer approves it, convert it to an invoice with one tap so you are not re-keying the same line items twice.

Larger electrical jobs mean more questions before signoff. BCTM's [customer messaging](/customer-messaging) puts a two-way thread directly on the estimate or invoice, so a customer asking "does this include the permit inspection" gets answered in the same place they are reviewing the price - not a separate text chain you have to dig up later.

Card and ACH: picking the right rail for the job size

On a $150 service call, card is the obvious choice - fast and the fee is small in dollar terms. On a $6,000 panel and service upgrade, the percentage-based card fee adds up, and ACH can be the cheaper option since it is a flat fee instead of a percentage. BCTM supports both, and you can see exactly what each costs on the [fees](/fees) page before you decide which to offer a given customer.

On-site quoting without cell signal

A lot of electrical estimating happens in basements, crawl spaces, and panels where there is no signal at all. BCTM is an installable Progressive Web App that works offline - draft the estimate or invoice while you are down at the panel, and it syncs and sends automatically the moment you are back in range.

A same-day payment workflow for electricians

Quote the job as an estimate on-site using saved price-book items for common work (panel upgrade, GFCI install, EV charger). When the customer approves, convert to an invoice with one tap. Send the payment link before you leave the driveway. If it is not paid within a couple of days, an automatic reminder goes out so you are not the one who has to make the awkward follow-up call.

Frequently asked questions

Is BCTM an electrician payment app or just an invoicing tool?+

Both. BCTM lets you build and send itemized invoices and estimates, and each one includes a payment link so the customer can pay by card or ACH directly, making it a full electrician payment app rather than just a document generator.

What does it cost to accept card payments as an electrician?+

There is no monthly fee to create invoices or accept payments. Card payments cost 3.9% + $0.30 per transaction (a 1% BCTM fee plus Stripe processing), and ACH bank transfers use a flat fee that is often cheaper for large electrical jobs. Full details are on the fees page.

Can I quote a panel upgrade or rewire before invoicing it?+

Yes. Send it as an estimate first with itemized materials and labor. When the customer accepts, convert it into an invoice with one tap and everything carries over.

Does the electrician payment app work without cell service at the panel?+

Yes. BCTM is an installable Progressive Web App that works offline, so you can draft an estimate or invoice in a basement or panel with no signal, and it sends automatically once you reconnect.

Do customers need to install anything to pay an electrical invoice?+

No. Customers receive a secure link by text or email and can pay from any phone browser without creating an account or downloading an app.

Ready to send your first invoice?

Free to send. Pay only when you get paid.

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