Contractor payments · Review planner · 01

Plan the job.
Explain the payments.

Blank planning template, not a contract or a suggested billing schedule. Use your actual business and project terms. Mark estimates clearly and ask the reviewing provider which information it needs.

Business / trade

Service area / business model

01 Describe your card-processing activity

Monthly card volume + currency

Actual or projected? Which period?

Typical individual card charge

Largest expected card charge

Current provider / processing history

Refunds / disputes: period + context

Use the requested statement periods. If you have no processing history, say so; do not present sales forecasts as completed transactions.

02 Summarize one representative project

Project type / scope summary

Total project value + currency

Expected start / completion dates

Longest payment-to-work interval

03 Map your actual billing milestones

Billing stage	Amount / method	When / what triggers it?	Supporting record
Deposit, if used	Deposit amount and method	Deposit timing or trigger	Deposit supporting record
Progress payment(s)	Progress amounts and methods	Progress payment timing or trigger	Progress payment supporting record
Change order(s)	Change order amounts and methods	Change order authorization and billing trigger	Change order supporting record
Final payment	Final payment amount and method	Final payment completion or billing trigger	Final payment supporting record

Write “not used” where appropriate. Use a separate schedule for more milestones. This template does not set deposit amounts, payment deadlines or legal requirements.

04 Payment methods to discuss

In-person card acceptance Customer-paid online invoice or link Phone or manually entered card payment Bank payment / ACH, if available

These are needs to discuss, not confirmed provider features. Ask which methods and integrations are supported for your account.

Summaries only. Do not enter customer names, job-site addresses, card or bank numbers, identity documents or passwords. Keep source documents in a secure location and use only a provider's confirmed submission channel.

Contractor payments · Review planner · 02

Get the terms in writing.

Complete one copy for each provider. Use the same project assumptions when comparing quotes. Record the document section or written confirmation; mark unanswered questions “pending.”

Provider / representative

Quote reference / conversation date

What to confirm	Provider answer / open question	Written reference
Trade, work type and advance billingDoes the provider support your actual work and payment-to-completion timing?	Trade and timing answer	Trade and timing reference
Payment methods and invoicing toolsWhich requested channels, devices and software integrations are actually available?	Methods and software answer	Methods and software reference
Limits, funding and any reservesConfirm transaction / volume limits, funding timing, holds and release conditions.	Limits funding and reserves answer	Limits funding and reserves reference
Refunds, disputes and record requestsHow do you issue refunds, respond to disputes and securely provide requested records?	Refunds disputes and records answer	Refunds disputes and records reference
Complete pricing and account commitmentsAsk about all applicable fees, contract / cancellation terms and any personal guarantee.	Pricing and contract answer	Pricing and contract reference
Setup, support and changesWho handles activation and urgent issues? How do you request higher limits or new payment uses?	Setup and support answer	Setup and support reference

05 Locate the records your provider requests

Contract / scope and cancellation terms Progress records and authorized change orders Completion / acceptance records, if applicable Processing history, refunds and dispute context

Check when located, not when approved. This is an organizing list, not a universal document requirement.

06 Check the quote before deciding

Applicable fees and billing triggers identified Funding, reserve and limit terms clarified Contract term and cancellation provisions located Setup and support responsibilities named

Next question / action

Responsible person / follow-up date

Your actual agreement controls the account terms. This planner does not establish legal requirements, approval, pricing or funding. Confirm what applies to your business and retain the provider's written responses.

Plan the job.Explain the payments.

01 Describe your card-processing activity

02 Summarize one representative project

03 Map your actual billing milestones

Get the terms in writing.

Plan the job.
Explain the payments.