Hi all, Looking for operator insight on modernising a paper-based home service business and moving to monthly digital billing. Current setup: • Customers pay by check twice per year after mailed invoice • Paper timesheets • CPA runs payroll fortnightly from manual totals • Fingerprint clock-in/out • Customer communication via phone/text • Weekly paper job notes • Commercial clients open to digital billing Planned shift: • Jobber – customers, scheduling, invoicing, GPS timesheets, photos, job notes • QuickBooks Online – basic accounting (reduce CPA reliance) • QuickBooks Payroll – in-house payroll • Crew phones with Jobber + WhatsApp • Collect customer emails via text • Monthly ACH billing as default Known fees: • Jobber ACH: 1% • Cards: 2.9% + $0.30 Questions: 1. Has anyone materially reduced ACH or card fees beyond this? Do you pass processing fees to customers? 2. Best way to transition customers from semi-annual check payments to monthly ACH? o How did you collect banking details? o Any pushback or churn? Looking for practical lessons from operators who have made this shift.