ScanPay is a good payment tool. If all you need is QR code payments and tap-to-pay on your iPhone — ScanPay works. But if you also need to dispatch lockout jobs to partner techs, route automatically to the closest available locksmith, split revenue to two bank accounts, and answer calls overnight with AI — ScanPay stops at payment processing. ServiceHQ handles everything.
ScanPay processes payments at 2.5% for tap-to-pay and 2.7% + $0.20 for QR code and link payments. They recently added basic job management but independent reviews describe it as minimal — no partner portals, no routing algorithm, no AI receptionist, no call masking, no automatic bank-to-bank splits.
ScanPay is a payment tool that added a job list. ServiceHQ is a dispatch platform that handles payments as part of a complete job flow.
ScanPay advertises free. But free means 2.5% on every transaction with no monthly cap. On $10,000/mo in locksmith jobs ScanPay fees are $250/mo in processing.
ServiceHQ Business is $149 subscription plus 2.9% + $0.30 processing — roughly $440/mo total at the same volume. ScanPay looks cheaper. But ServiceHQ gives you dispatch, routing, partner portals, revenue splits, AI receptionist, call masking, GPS tracking, and NPS surveys for $190 more per month. Less than $7/day for a complete operation versus a payment button.
| Feature | ServiceHQ | ScanPay |
|---|---|---|
| QR code payments | Yes | Yes |
| Apple Pay / Google Pay | Yes | Yes |
| Tap-to-pay on iPhone | Yes | Yes |
| Klarna at checkout | Yes | Via Sunbit |
| Instant payouts | Yes · 1.5% | Yes · 1.5% + $5 min |
| Partner company portals | Yes | No |
| Auto revenue splits to both banks | Yes | No |
| Automatic routing algorithm | Yes | No |
| AI Receptionist | Yes ($99/mo + $0.50/call after 100) | No |
| Call masking and recording | Yes | No |
| Customer GPS tracking page | Yes | No |
| Digital estimate signing | Yes | No |
| Job photos | Yes | No |
| Sales tax (per ZIP override) | Yes | No |
| NPS surveys | Yes | No |
| Monthly fee | $19–299 | $0 |
| Processing rate | 2.9% + $0.30 | 2.5% tap / 2.7% + $0.20 online |
| Instant payout fee | 1.5% (no minimum) | 1.5% + $5 minimum |
Both platforms charge 1.5% for instant payouts. But ScanPay adds a $5 minimum per payout. On a $100 locksmith job that's effectively a 5% instant payout fee. ServiceHQ charges 1.5% with no minimum. Better for smaller jobs. Better for solo locksmiths doing multiple jobs per day.
The locksmiths who switch from ScanPay to ServiceHQ aren't switching because of processing rates. They switch because they outgrow a payment tool and need a dispatch operation. The moment you have one partner tech taking overflow calls you need routing, revenue splits, partner portals, and call tracking. ScanPay can't do any of that. ServiceHQ does all of it.
You're a solo locksmith with no partners. You only need to take payments on site. You do under 10 jobs per month. You have no plans to add partner techs.
You have one or more independent partner techs. You need jobs routed automatically to the right partner. You want revenue splits deposited to both banks (Friday by default, configurable). You miss calls overnight and want AI answering them. You want customers to get a live tracking page. You want digital estimates with customer signing on site.
Solo plan is $19/mo and includes QR payments, Apple Pay/Google Pay, estimates, job photos, and customer tracking — everything ScanPay has plus everything ScanPay's missing.
No credit card. No commitment. Keep ScanPay running alongside it if you want — test both on real jobs.
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