ToolBox

What ToolBox does

ToolBox (operating as ToolBox Go and legally ToolBox Payment LLC) is a privately held, Boca Raton, Florida-based mobile payment processing company that targets home service contractors and tradespeople. Its flagship product is the ToolBox Go mobile application, available on iOS and Android, which enables contractors to accept credit card payments on-site via a Bluetooth card reader (chip insert and tap-to-pay) or manual keyed entry, and bundles job scheduling, client follow-up communications, automated receipts, push notifications, GPS navigation, team management, and QuickBooks-integrated invoicing into a single back-office tool. The app is integrated with the Card Connect / Cardpointe payment gateway (owned by Fiserv) for transaction processing and ToolBox Payment LLC operates as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A.

ToolBox generates revenue via two streams: (1) per-transaction processing fees (2.55% + $0.10 for face-to-face swipes, 3.35% + $0.15 for keyed-in transactions), and (2) an optional $20/month subscription that lowers the effective rate to 1.95-3.5% + $0.20 depending on card type. A $100 one-time hardware sale of the Bluetooth reader is a secondary revenue line, and a Gift Card Program ($100 Visa gift card promo) supports customer acquisition. PCI DSS compliance is included with the service.

Founded by Jeff Shavitz (former co-founder of Charge Card Systems, sold to Card Connect in 2012 and ultimately to First Data/Fiserv in 2017) along with COO Shelley-Ann Charlton, ToolBox runs a self-serve PLG go-to-market distributed through the iOS App Store, Google Play, QR code downloads, and direct website sign-up, supplemented by partnerships with industry associations (HVAC, plumbing, electrical, remodeling), the ToolBox Talks podcast, a Facebook "Technology for Contractors" community, webinars, and trade shows. The company serves SMB and solo home-service customers in verticals including HVAC, plumbing, electrical, painting, handyman, landscaping, tree services, windows/doors, and roofing, and it expanded into dental via a 2021 partnership with Unified Smiles. The customer base is exclusively within the United States with no disclosed international footprint, and the company appears to be bootstrapped with no external funding rounds on record.

Name

ToolBox

Legal name

ToolBox Payment LLC

Website

https://toolboxpayment.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

ToolBox (ToolBox Go) is a privately held US mobile payments company serving home service contractors (HVAC, plumbing, electrical, and adjacent trades) with an iOS/Android app for on-site credit card acceptance, job scheduling, automated client follow-ups, and QuickBooks-integrated invoicing, priced via per-transaction fees and an optional $20/month subscription.

Ownership category

akta.pro rank

Product category

Mobile Payment Processing Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industry

Consumer Navigation & Turn-by-Turn Apps (BPAMANAA)

Keywords

• Mobile payment processing
• Contractor payment software
• Credit card processing
• Field service payments
• Tradesperson payment app

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Transaction Processing Fees: Primary revenue stream from percentage-based transaction fees on credit card payments. Face-to-face transactions charged at 2.55% + $0.10 per transaction. Keyed-in transactions at 3.35% + $0.15. Also offers tiered pricing: $20/month for Standard Cards (1.95% + $0.20) and Specialty Cards (2.95% + $0.20).
2. Monthly Subscription: Optional $20 monthly billing for Standard and Specialty Cards tier, providing lower transaction rates in exchange for monthly fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

ToolBox Go is a mobile payment processing application built specifically for home service contractors and tradespeople. It enables on-site credit card acceptance via iOS and Android smartphones, paired with a Bluetooth card reader (chip insert and tap-to-pay) or manual card entry. The app combines payment processing with back-office features including job scheduling, automated receipts, client follow-up communications, GPS navigation with arrival notifications, team management, and invoicing.

Product overview

ToolBox offers a unified mobile payment and back-office platform designed for home service contractors and tradespeople. The core product is the ToolBox Go mobile application, which combines payment processing, job management, customer communication, and invoicing capabilities. The platform supports credit card acceptance via Bluetooth card readers (sold separately for $100) or manual card entry, along with features including job scheduling, client follow-up communications, automated receipts, team management, GPS navigation, and push notifications. Gift cards are available as an add-on feature. The platform integrates with QuickBooks for accounting purposes.

Differentiator

Problem solved

Functional benefit

Brands

• ToolBox Talks: A podcast for home service contractors and tradespeople featuring interviews with industry leaders and updates on the home services industry.

Products and services

• ToolBox Go Mobile App A mobile payment and back-office application designed for home service contractors and tradespeople, enabling on-site credit card acceptance via smartphone or tablet with integrated job management, scheduling, customer communication, and invoicing features.
• Bluetooth Card Reader A Bluetooth-enabled hardware card reader that pairs with the ToolBox Go app, supporting chip insert and tap-to-pay credit card transactions for Visa, MasterCard, American Express, and Discover. Sold separately for $100.
• ToolBox Gift Card Program A gift card program allowing home service businesses to issue and sell gift cards to their customers as a payment and marketing instrument.

Quantifiable outcome

• Process $1,000 in first month and receive $100 Visa gift card (promotional offer)

Named customers4 records

Segments10 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature11 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Wells Fargo Bank, N.A.coreChannel Partner/ Reseller/ DistributorToolBox Payment LLC is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., headquartered in Concord, CA. This banking partnership enables ToolBox to offer merchant account services and process credit card transactions.
• Card Connect / CardpointecoreTechnology or IntegrationCard Connect (owned by Fiserv, formerly First Data Corporation) serves as the payment processor and provides the Cardpointe back-office gateway system for transaction management, processing, and reporting.
• Unified SmilesminorGTM or Marketing PartnerToolBox partnered with Unified Smiles in October 2021 to offer credit card processing services specifically to dental clients, expanding into adjacent verticals.
• SPECTRAminorGTM or Marketing PartnerSPECTRA partnership offers ToolBox users additional savings on credit card fees and provides extra incentives for SPECTRA members who sign up for ToolBox payment processing.
• QuickBookscoreTechnology or IntegrationSeamless integration with QuickBooks and other popular accounting software solutions, allowing contractors to maintain existing bookkeeping workflows.
• National Association of The Remodeling Industry (NARI)minorGTM or Marketing PartnerCEO Jeff Shavitz interviewed Doug King, President of NARI, on ToolBox Talks podcast. Association partnership for driving member referrals.
• PorchminorGTM or Marketing PartnerCEO Jeff Shavitz interviewed Matt Ehrlichman, CEO of Porch, on ToolBox Talks podcast. Porch is a platform connecting homeowners with home service professionals.
• Service World ExpominorGTM or Marketing PartnerToolBox attended Service World Expo in September 2021 (Louisville, Kentucky) for networking with contractors and businesses.
• South Florida Plumbing & Mechanical Trade ShowminorGTM or Marketing PartnerToolBox attended and exhibited at the South Florida Plumbing and Mechanical Trade Show & Expo in November 2021.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stripe Terminal: Stripe Terminal provides mobile card readers and integrated in-person payments to Stripe's software platform, including field-service platforms that resell payments. It competes indirectly with ToolBox by enabling other vertical-SaaS players to offer payments without needing a separate processor like ToolBox.
• Clover (Fiserv): Clover is Fiserv's SMB point-of-sale and payments platform, operating on the same Card Connect/Cardpointe rails that power ToolBox. It offers comparable merchant processing and POS functionality and is an incumbent competitor that benefits from the same backend infrastructure ToolBox relies on.
• ServiceTitan: ServiceTitan is the leading vertical SaaS platform for home service contractors (HVAC, plumbing, electrical) and embeds payment processing into its full field-service suite. It competes with ToolBox for the same contractor buyer and can offer more comprehensive workflow coverage, though at a much higher price point and SMB-to-enterprise tier.
• Block (Square): Square is the dominant mobile-first payment processing platform for SMBs, offering nearly identical flat-rate card-present pricing (2.6% + $0.10) to ToolBox's 2.55% + $0.10, plus hardware, software, and banking. It is the most direct competitive threat to ToolBox in mobile payments for trades, though it is a horizontal player rather than trades-specialized.
• PayPal Zettle: Zettle (formerly iZettle, owned by PayPal) offers mobile point-of-sale card readers and payment processing for SMBs, including a transparent flat-rate pricing model similar to ToolBox. It is a global incumbent in mobile payment acceptance competing for the same trades and services merchants.

Direct peers

• Housecall Pro: Housecall Pro is a SaaS platform for home service professionals that includes scheduling, dispatching, customer management, and integrated payment processing. It targets the exact same contractor vertical as ToolBox and represents the closest product overlap in combining field-service workflow with payments on a mobile-first experience.
• SumUp: SumUp provides mobile card readers and payment processing for small merchants and tradespeople at competitive transparent rates with no contracts. It targets a similar SMB-mobile-first user as ToolBox, though without the trades-specific job-management feature set.
• North American Bancard: North American Bancard is a large independent sales organization (ISO) and merchant services provider offering mobile payment processing and POS hardware to SMBs. Like ToolBox, it operates as an ISO backed by banking sponsorship and processes transactions for small businesses across trade and service verticals.
• Jobber: Jobber is field-service software for small home service businesses that includes scheduling, invoicing, and credit-card processing through Stripe-backed rails. Like ToolBox, it emphasizes mobile use and a contractor-friendly workflow, making it a head-to-head competitor for the same SMB segment.

Emerging players

• FieldEdge: FieldEdge is field-service management software for HVAC, plumbing, and electrical contractors that bundles scheduling, dispatch, customer management, and payment processing. It overlaps with ToolBox's vertical focus and is most comparable as a niche vertical-SaaS-plus-payments rival.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/groups/846717376242862
• Xx.com/toolboxpayment

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ToolBox