How do plumbers price flat-rate jobs?
Most flat-rate plumbers build a price book of common tasks — drain clears, water heater installs, fixture swaps — priced to cover labor, materials, and margin, then quote straight from that list on every job.
Flat-rate pricing only works if it's consistent, so the price gets set once per task type and reused. BCTM's price book stores those flat-rate items so you (or anyone on your crew) can build an accurate estimate in the customer's kitchen instead of guessing at a number on the spot.
How do I invoice a customer for an emergency after-hours plumbing call?
Build the invoice on your phone at the job site — add an after-hours or emergency-call line item from your price book, then send it with a click-to-pay link so the customer can pay immediately.
After-hours work is when getting paid fast matters most, since you're not likely to see that customer again soon. A public payment link lets them pay by card or ACH right from the text or email you send, without you needing to bring a card reader.
Should I require a deposit before starting a repipe or remodel job?
Many plumbers ask for a deposit before ordering materials on larger jobs, then bill remaining stages as work progresses — BCTM supports this with deposit and milestone invoices, but the amount you ask for is a business decision.
Repiping and remodel work often involves buying materials up front, so a deposit protects your cash flow on that spend. Beyond that, how much to ask for is your call to make based on job size and your relationship with the customer — BCTM doesn't set a specific percentage for you.
What percentage does a credit card processor take on a plumbing invoice?
Stripe's standard card rate is 2.9% + $0.30 per transaction; ACH is 0.8% capped at $5, which is usually cheaper on invoices above roughly $625.
On a $150 drain-clear invoice, the card fee is about $4.65 — on a $2,000 water heater and repipe job, ACH's $5 cap saves real money versus the card percentage (Stripe Pricing).
How long can a plumber wait before filing a lien on an unpaid job?
Deadlines vary enormously by state — anywhere from about 60 days to a full year after work is completed — so this needs to be checked against your specific state's statute.
Mechanics lien deadlines range from 60 days in Ohio to 12 months in Louisiana, and the trigger date (last day of work vs. project completion vs. a recorded notice) also varies by state (Subcontractor Audit; Levelset). BCTM doesn't file liens, but your invoice and payment history export as documentation you can hand to an attorney. This is general information, not legal or tax advice — check with a licensed attorney or CPA in your state before relying on it.
Can I text a customer a link to pay their plumbing invoice?
Yes — every invoice can be sent by SMS with a public click-to-pay link, as long as the customer has given consent to be texted.
BCTM captures SMS consent at customer intake, then lets you send invoices, estimates, and payment reminders by text. The customer taps the link and pays by card or ACH without creating an account.
Do I need a separate merchant account to accept cards as a plumber?
No — payments run through Stripe Connect, which handles merchant processing for you as part of the platform.
You connect your bank account through Stripe Connect's onboarding flow inside BCTM, and card and ACH payments route through that connection. There's no separate merchant account application to fill out.