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Why Landscapers Are Switching to Nickel

Unlike traditional payment processors that treat you like a "high-risk" business, Nickel was built specifically for trade professionals who handle large invoice-based transactions. We understand that:

  • $25,000 commercial landscape installations are normal business, not suspicious activity
  • Spring rush creates payment surges that banks often flag as unusual
  • You need reliable processing during peak seasons when cash flow matters most
  • Your success depends on predictable payment timing, not arbitrary holds

Result: No surprise account holds, no "business verification" delays, no risk department calls.

Why Landscapers Are Switching to Nickel

Unlike traditional payment processors that treat you like a "high-risk" business, Nickel was built specifically for trade professionals who handle large invoice-based transactions. We understand that:

  • $25,000 commercial landscape installations are normal business, not suspicious activity
  • Spring rush creates payment surges that banks often flag as unusual
  • You need reliable processing during peak seasons when cash flow matters most
  • Your success depends on predictable payment timing, not arbitrary holds

Result: No surprise account holds, no "business verification" delays, no risk department calls.

Before Nickel vs. After Nickel

Before: The Old Way
  • Complex workflows
    Multiple systems for invoicing, payments, and bookkeeping
  • Account holds
    Banks freeze accounts over routine $25,000 hardscaping installations
  • Processing fees
    Lose 1-3% on every transaction ($250-750 per typical job)
  • "High-risk" treatment
    Banks don't understand landscaping business patterns
  • Manual reconciliation
    Hours spent matching payments to invoices in QuickBooks
  • After: The Nickel Way
  • One simple system
    Everything integrated: invoicing, payments, and QuickBooks sync
  • Process large payments worry-free
    We understand large and variable transactions are normal for landscapers and our support team is highly responsive if you ever run into issues
  • Zero fees on ACH
    Keep 100% of what customers pay you
  • Built for landscapers
    Designed around how your business actually works
  • One-click QuickBooks sync
    Your invoices and payments automatically sync to the right customer, service call, and project, plus seamless AP integration
  • The Seasonal Cash Flow Crisis Facing Modern Landscapers

    The $153 billion U.S. landscaping industry faces unique financial pressures that generic payment processors simply don't understand. With over 640,000 landscaping businesses competing for work and customers increasingly demanding flexible payment options, landscapers are caught between rising costs and seasonal revenue swings.

    Seasonal Revenue Volatility:

    Landscaping revenue is heavily concentrated in peak months (March-October), with some regions seeing 70% of annual revenue in just seven months. Traditional banks flag these seasonal surges as suspicious activity, leading to account holds right when you need cash flow most. Many landscaping businesses face peak demand in spring and summer, with significant slowdowns in fall and winter, making cash flow management crucial for year-round operations.

    Equipment and Material Cost Pressure:

    Landscaping projects frequently require purchasing materials upfront before a job is completed and paid for. A typical hardscaping project might involve $8,000-15,000 in materials that must be paid out of pocket before collecting payment from the client. With the average landscaping project coming in at $8,150, when customers expect net payment terms, landscapers are forced to finance their own customers - often for 30-60 days.

    Commercial Payment Complexity:

    Commercial landscaping contracts present additional challenges with multiple decision-makers, approval processes, and extended payment cycles. A shopping center renovation might involve coordination between property managers, general contractors, and business owners, each adding delays to your payment timeline.

    Labor Cost Management:

    In 2022, 84% of polled landscaping business owners said finding and keeping labor was a major challenge, while in 2023, 86% said they have at least one vacant position. With labor shortages driving up wages and the need to pay workers regardless of whether customers have paid their invoices, cash flow timing becomes critical for meeting payroll.

    The Seasonal Cash Flow Crisis Facing Modern Landscapers

    The $153 billion U.S. landscaping industry faces unique financial pressures that generic payment processors simply don't understand. With over 640,000 landscaping businesses competing for work and customers increasingly demanding flexible payment options, landscapers are caught between rising costs and seasonal revenue swings.

    Seasonal Revenue Volatility:

    Landscaping revenue is heavily concentrated in peak months (March-October), with some regions seeing 70% of annual revenue in just seven months. Traditional banks flag these seasonal surges as suspicious activity, leading to account holds right when you need cash flow most. Many landscaping businesses face peak demand in spring and summer, with significant slowdowns in fall and winter, making cash flow management crucial for year-round operations.

    Equipment and Material Cost Pressure:

    Landscaping projects frequently require purchasing materials upfront before a job is completed and paid for. A typical hardscaping project might involve $8,000-15,000 in materials that must be paid out of pocket before collecting payment from the client. With the average landscaping project coming in at $8,150, when customers expect net payment terms, landscapers are forced to finance their own customers - often for 30-60 days.

    Commercial Payment Complexity:

    Commercial landscaping contracts present additional challenges with multiple decision-makers, approval processes, and extended payment cycles. A shopping center renovation might involve coordination between property managers, general contractors, and business owners, each adding delays to your payment timeline.

    Labor Cost Management:

    In 2022, 84% of polled landscaping business owners said finding and keeping labor was a major challenge, while in 2023, 86% said they have at least one vacant position. With labor shortages driving up wages and the need to pay workers regardless of whether customers have paid their invoices, cash flow timing becomes critical for meeting payroll.

    Simplified Modern Workflow

    1 Number Streamline Icon: https://streamlinehq.com

    Send invoice (or use your existing invoicing)

    Left Arrow Streamline Icon: https://streamlinehq.com
    2 Number Streamline Icon: https://streamlinehq.com

    Customer pays instantly via secure link

    Left Arrow Streamline Icon: https://streamlinehq.com
    3 Number Streamline Icon: https://streamlinehq.com

    Payment auto-syncs to QuickBooks

    Left Arrow Streamline Icon: https://streamlinehq.com
    4 Number Streamline Icon: https://streamlinehq.com

    Money hits your account in 2 business days

    Built-in QuickBooks Integration

    Your payments automatically sync to the right invoice, customer, and job. No more:

  • Manual entry errors
  • Mismatched payments
  • End-of-month reconciliation nightmares
  • Hunting through bank statements
  • Compare: Nickel vs. Other Payment Platforms

    Payment Capabilities Nickel QuickBooks Pay Melio Payments Forwardly
    ACH bank transfer ✅ Free ❌ 1% with no cap ❌ 5 free / month ❌ Defaults to 1% Instant ACH
    Requires Plaid ✅ No ✅ No ❌ Highly encouraged ❌ Yes
    Credit card ✅ Flat 2.9% ❌ 2.99 – 3.8% ✅ Flat 2.9% ❌ 2.99% + Fees
    Mail a check ❌ $2 ❌ No ✅ $1.5 ❌ No

    What This Means for Your Landscaping Business

    Save Money

    Money Bill Fly Streamline Icon: https://streamlinehq.com

    Zero ACH fees: Save $5,000-12,000 per year on a typical landscaping business No hidden costs: No setup fees, monthly fees, or surprise charges Early payment discounts: Pay and get paid faster, capture supplier discounts

    Save Time

    Wealth Time Money Streamline Icon: https://streamlinehq.com

    Automated reconciliation: 3+ hours per week saved on bookkeeping Instant invoicing: Send payment links directly from job sites One system: Stop switching between payment apps, banking apps, and QuickBooks

    Reduce Risk

    Lock Key 1 Streamline Icon: https://streamlinehq.com

    Process large payments worry-free: We understand landscaping transactions and provide responsive support when needed Predictable processing: Money hits your account in 2 business days Secure payments: Bank-level security without the bank headaches

    Landscaping Industry Payment Breakdown

    The $153+ billion U.S. landscaping industry faces unique financial pressures that traditional payment processors weren't designed to handle.

    Market Fragmentation:

    There are 641,782 landscaping businesses in the US, with over 70% having just 1-4 employees. These smaller operations lack the leverage to negotiate better payment terms with banks or processors, often getting stuck with high fees and restrictive policies designed for larger enterprises.

    Service Economics:

    The typical price range for landscaping projects is $2,600 - $13,700, with the average project costing $8,150, while landscaping maintenance typically costs between $100 - $200 per month. When customers pay by credit card, processors typically charge 2.9-3.5% plus transaction fees, eating directly into already seasonal margins.

    Workforce Payment Complexity:

    The landscaping industry employs more than 1.2 million professionals, yet landscaping and groundskeeping workers reported median earnings of just $17.96 per hour. This labor-intensive model means meeting payroll during slow periods becomes a constant stress point when customer payments are delayed, especially with the industry's seasonal nature affecting 30-40% of annual revenue timing.

    Equipment Financing Challenges:

    Professional landscaping equipment requires significant upfront investment. A commercial zero-turn mower costs $8,000-25,000, while a full service truck setup can exceed $75,000. Traditional financing often doesn't understand the seasonal cash flow patterns of landscaping work, making it difficult to secure equipment loans that align with revenue cycles.

    Landscaping Industry Payment Breakdown

    The $153+ billion U.S. landscaping industry faces unique financial pressures that traditional payment processors weren't designed to handle.

    Market Fragmentation:

    There are 641,782 landscaping businesses in the US, with over 70% having just 1-4 employees. These smaller operations lack the leverage to negotiate better payment terms with banks or processors, often getting stuck with high fees and restrictive policies designed for larger enterprises.

    Service Economics:

    The typical price range for landscaping projects is $2,600 - $13,700, with the average project costing $8,150, while landscaping maintenance typically costs between $100 - $200 per month. When customers pay by credit card, processors typically charge 2.9-3.5% plus transaction fees, eating directly into already seasonal margins.

    Workforce Payment Complexity:

    The landscaping industry employs more than 1.2 million professionals, yet landscaping and groundskeeping workers reported median earnings of just $17.96 per hour. This labor-intensive model means meeting payroll during slow periods becomes a constant stress point when customer payments are delayed, especially with the industry's seasonal nature affecting 30-40% of annual revenue timing.

    Equipment Financing Challenges:

    Professional landscaping equipment requires significant upfront investment. A commercial zero-turn mower costs $8,000-25,000, while a full service truck setup can exceed $75,000. Traditional financing often doesn't understand the seasonal cash flow patterns of landscaping work, making it difficult to secure equipment loans that align with revenue cycles.

    Ranked #1 Easiest to Use Payment Solution by G2

    See why Nickel outranks every major competitor, including Forwardly, Melio, and Square

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