Question 1

Does BCTM have a monthly bill or subscription?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

How fast do contractors get paid on BCTM?

Accepted Answer

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.

Question 4

Is BCTM Platform free to use?

Accepted Answer

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.

Question 5

What card processing fees does BCTM charge?

Accepted Answer

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.

Question 6

Can I use BCTM offline?

Accepted Answer

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

Question 7

How do my customers pay an invoice?

Accepted Answer

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

Question 8

What languages does BCTM support?

Accepted Answer

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

Question 9

Does BCTM have a point of sale?

Accepted Answer

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.

Question 10

Can I scan a paper receipt into an invoice?

Accepted Answer

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.

Question 11

Can I dictate an invoice by voice?

Accepted Answer

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.

Question 12

Does BCTM accept ACH bank payments?

Accepted Answer

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

Question 13

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

Accepted Answer

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.

Question 14

Can I send estimates and quotes with BCTM?

Accepted Answer

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.

Question 15

Can I message customers from an estimate or invoice?

Accepted Answer

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.

Question 16

What trades and contractors is BCTM built for?

Accepted Answer

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.

Message customers right on the estimate or invoice

No account required

One thread on the document

Unread badge on your dashboard

Works with SMS + email

How it works

Send an invoice or estimate

Post a message on it

Customer replies from the link

Frequently asked questions

Talk to your customers where the work is