Jobber Review

Jobber is field-service management software for home-service businesses — lawn care, cleaning, HVAC, plumbing, electrical and about fifty other trades — with card and bank processing built in as Jobber Payments. The company, legally Octopusapp Inc., was founded in Edmonton, Alberta in 2011 by Sam Pillar and Forrest Zeisler and is still run by them; it raised US$100 million from General Atlantic in February 2023 and says more than 400,000 service professionals use the product. Jobber does not hold a merchant agreement itself: Jobber Payments is processed by Stripe, Inc. under Stripe's connected-account terms, which is what makes the rate card flat and the onboarding fast. As of September 2026 the published rates are the same on every plan — 2.9% + 30¢ for cards paid online through the client hub, 2.7% + 30¢ for Tap to Pay in the field, 1% for US bank payments (ACH), and an extra 1% for an instant payout — with a chargeback fee (amount unpublished) that is refunded if you win and no monthly processing charge beyond the software subscription, which runs from $49 a month (Core, one user, no commitment) to $199 a month (Grow) at list. Payouts run on a rolling two-business-day window after a five-day authorization period on the first payment; ACH takes about four business days. The processing is available in the US, Canada and the UK; ACH, the card reader and the Jobber Money account are US-only. The trade-off is the software: its subscription is the real cost, it auto-renews, and prepaid annual fees are non-refundable, which is the substance of most of the complaints on record.

Estimated annual cost at three realistic processing volumes, using Jobber’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.

What it is

Jobber is business-management software for the home-service trades: it books the job online, sends the quote, schedules the crew, invoices the customer and collects the money, and it has done that since two freelance software developers, Sam Pillar and Forrest Zeisler, built it in Edmonton in 2011. The company is still called Octopusapp Inc. on its filings, still headquartered at 10130 103 Street NW in Edmonton, Alberta, and still run by its founders as CEO and CTO. It raised US$100 million from General Atlantic in February 2023 — the largest venture round in the city's history, and one the Globe and Mail reported more than doubled its previous valuation of US$300–400 million — and by 2026 it claims more than 400,000 service professionals across fifty-plus industries and sixty-plus countries, more than 1,000 employees and over US$100 billion in invoices sent through the product.

Jobber Payments is the processing built into all of that. Jobber is not the acquirer: its payment terms, updated 19 December 2025, name Stripe, Inc. as the processor, and the verification form a new account fills in is Stripe's. Stripe's 2020 partnership announcement with Jobber lists what sits on top — Stripe Connect for payouts and reporting, Stripe Terminal for the card reader, Radar for fraud, Visa Direct for instant payouts and Stripe Capital for financing; Jobber Capital today is issued by Celtic Bank in partnership with Stripe or Parafin. Jobber Money, launched later, is a Stripe Treasury account. Everything the merchant sees is Jobber's; everything underneath is Stripe's.

Pricing

The rates are on the pricing page, in the plan comparison table, and they are identical in every column. Cards paid online — through the client hub, an invoice link, online booking or an automatic recurring charge — cost 2.9% + 30¢. Tap to Pay on an iPhone or Android phone in the field costs 2.7% + 30¢. A US bank payment costs 1%. An instant payout adds 1% of the amount. A chargeback carries a bank fee Jobber does not publish, returned if you win. That is the whole card, and as of September 2026 Jobber publishes no keyed, American Express, corporate-card or cross-border surcharge; Amex, Discover, Apple Pay and Google Pay are simply accepted at the online rate. The only rate not on the page is the Bluetooth Jobber Card Reader's, which the help centre says appears in the account's Jobber Payments settings once the reader is added.

The absence of a processing subscription is real, but so is the software subscription that Jobber Payments cannot be bought without. At monthly list with no commitment, Core is $49 a month, Connect $139 and Grow $199 for a single user; billed annually they drop to $29, $99 and $149, and Jobber runs periodic promotions on top (a 'save up to 40%' offer ran to 30 September 2026). Every additional user is $29 a month. Plus, the top tier, is quoted for teams. Add-ons include the Marketing Suite at $99 a month and an AI Receptionist at $29. For a solo operator on Core, Jobber's effective cost of processing is the same 2.9% + 30¢ as a bare Stripe account plus $49 a month for the software that generates the invoices; for a ten-person crew on Grow, the subscription runs into the hundreds before the first card is tapped.

Funding, limits and the agreement

Card payouts run on a rolling two-business-day window, bundled daily at about 8 PM Eastern, after a five-business-day authorization on the first payment a new account takes. ACH takes about four business days. Instant payouts move money to a debit card, or to a bank account on the RTP or FedNow rails, in under about 30 minutes including weekends, for US and Canadian accounts that Jobber judges to be in good standing, with a ceiling of $9,999 per transfer and $10,000 per 24 hours. US businesses can open Jobber Money, a Stripe Treasury account with pass-through FDIC eligibility up to $250,000, a Visa debit card, no monthly fee and card payouts within about an hour of collection; its own fee sheet lists 1% for express ACH out, 1% on foreign exchange, $2 per incoming wire and $4 per returned ACH.

The Jobber Payments terms are short and one-sided in the ordinary way. Fees can be revised on fourteen days' notice. You are responsible for every reversed or charged-back transaction and the bank's fees on it, with the fee credited back if you win. Jobber may withhold funds from payouts to cover potential or actual losses it believes it may incur, and may terminate the agreement at any time, for any reason or none, on notice; you may close the payments account at any time. Stripe's prohibited-business list applies. The main Terms of Service, updated 16 July 2026, add that Jobber 'may, at any time and in its sole discretion, automatically enable Jobber Payments on your account', that subscriptions renew automatically at the then-current price, that fees are billed in advance and are non-refundable with no partial-month credits, that prices can change on fourteen days' notice, and that US customers agree to binding individual arbitration under New York law unless they opt out in writing within 30 days.

Reputation

Jobber's public record is unusually good for a subscription platform, and the criticism it does draw is about billing rather than money. On Trustpilot the claimed profile scores 4.2 from 230 reviews as of 21 September 2026 — 72% five-star, 17% one-star — with no recent history of soliciting reviews and a reply to every negative one; the five-star reviews name individual support staff again and again. The BBB profile in Edmonton shows an A- with six complaints in three years and no accreditation. The one-star reviews, and the BBB complaints, cluster around the subscription: an account reactivated and charged months after cancellation, a refund refused on a user seat that was added by mistake, a business that felt strong-armed into a promotional extension. We found no lawsuit, regulatory action or settlement naming Octopusapp Inc. or Jobber.

Bottom line

Jobber Payments is Stripe with a good interface and a field-payment discount, sold inside software that a home-service business would probably be buying anyway. The rates are honest and published, the payouts are quick, and the integration with the invoice is the point. What deserves a careful read is the software agreement wrapped around it — the twelve-month minimum on monthly-billed annual plans, the non-refundable prepaid year, the fourteen-day price-change clause — because that, not the processing, is where Jobber's customers end up unhappy. B+: a strong platform whose payments are competent rather than cheap.