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Legal · Disclosures

Disclosures

The basis for every number, screenshot and claim on this site, the surcharge rules by state, and whose trademarks appear in the product.

Last updated August 31, 2026

We would rather publish the basis for a claim than a bigger claim. Every figure on this site is either arithmetic you can reproduce from the assumptions below, or a description of how the software behaves — never a promise about your results.

1. Numbers and examples

Figures are illustrations of how the software works, not a promise of results. What you experience depends on your prices, your market and how you use the product.

Product screens are illustrations. Names, jobs and amounts shown are fictional and do not depict real customers or results.

Comparison figuresThe cost comparison on the home page and the pricing calculator are arithmetic on assumptions you can change: collected volume, share of payments run through PainterOS, number of seats on the software you are replacing, and a published card rate of 2.9% + 30¢. They are illustrations of the formula, not an average of what anyone experienced.
Our fee1.0% of the invoice principal on every payment collected through PainterOS, whatever the method, taken as a platform fee out of the payment as it settles. This is a contractual figure, not an estimate.
Time and speed figuresDescribe how quickly the software acts — for example, an automatic text reply sends within seconds of a lead arriving. They do not describe how quickly a customer responds or how much time you will save.
Payout timingSet by our payments partner and your bank, and depends on your verification status, account history and risk review — the first payout takes longer than later ones, and the partner may delay a payout or hold a reserve. We do not control it and do not promise a settlement date.
Customer names and amountsEvery name, job number, address, phone number and dollar amount in a product screen on this site is fictional.

2. Credit-card surcharging by jurisdiction

Surcharging credit cards is permitted in most U.S. states but prohibited in Connecticut, Massachusetts, Puerto Rico. Where it is allowed, the surcharge may never exceed your cost of acceptance and is capped by the card networks at 3% (Visa) and 4% (Mastercard), stricter state caps apply in some places (Colorado caps it at 2%), New York requires the total credit-card price to be posted up front, and it can never be applied to debit and prepaid cards. Your acquirer must be given 30 days' written notice before it is switched on.

ProhibitedConnecticut, Massachusetts, Puerto Rico
Network capsVisa: 3% of the transaction, credit cards only · Mastercard: 4% of the transaction, credit cards only
Stricter state capsColorado: 2%
New York disclosure ruleThe total price a credit-card customer will pay must be posted before checkout; you may not present the surcharge only as an add-on at the end.
Never applies todebit and prepaid cards — a surcharge on those is a card-network violation regardless of state law.
Before switching it onYour acquirer must receive at least 30 days' written notice, and the surcharge must be disclosed at the point of entry and on the receipt.
Ceiling in practiceWhichever is lowest: your actual cost of acceptance, the applicable state cap, or the network cap (3% on Visa).

State law and network rules change. This table is a summary for information only and is not legal advice; how you bill your customers is your decision and your responsibility. See the Terms, section 4.

3. Payments

Payment processing, payout timing, underwriting, risk decisions and card-network fees are provided by our third-party payments partner under its terms, which you accept at signup. You open a payment account in your own business's name; PainterOS is the software platform on that account and is not the merchant of record on your sales. The partner verifies your identity, business and bank details before paying out and may request documents, delay a payout, hold a reserve, or decline or close an account under its own rules. Not every applicant is approved, some businesses it does not accept, and payments features require an approved payment account.

  • Card data is tokenized at checkout and handled by our PCI DSS-certified payments partner. PainterOS is not a PCI-certified entity and does not receive or store full card numbers.
  • Funds settle into a payment account in your name. We are not a bank, we do not hold customer funds, and no deposit insurance applies to anything we do.
  • You open a payment account in your own business's name and accept the payments partner's terms. PainterOS is the software platform on that account, collects its 1% as a platform fee, and is not the merchant of record on your sales — you are the seller, and the work, warranty and refunds are yours.
  • Approval, payout timing, reserves, disputes and account closure are the payments partner's decisions under its own underwriting and risk rules. Not every applicant is approved, and some business types the partner does not accept.
  • The payment account is opened through the PainterOS platform, so it does not transfer to another software platform if you leave. Pending payouts still settle to your bank and your records still export.
  • PainterOS does not provide credit, lending, or money-transmission services.

4. Trademarks

All third-party names, logos, color names and color codes are the property of their respective owners and are used here for identification only. PainterOS is not affiliated with, sponsored by, or endorsed by them. Tap to Pay on iPhone and Apple Pay are trademarks of Apple Inc.; Tap to Pay on iPhone requires iPhone XS or later and an eligible payment account.

Benjamin Moore & Co.Benjamin Moore — Color names and codes referenced for matching only.
The Sherwin-Williams CompanySherwin-Williams — Referenced for matching only.
Apple Inc.Apple Pay, Tap to Pay on iPhone, iPhone — Tap to Pay on iPhone requires iPhone XS or later with a supported iOS version and an eligible payment account.

Color references in the product exist so you and your customer can agree on a color your supplier can mix. Color names and codes belong to the manufacturers that created them; we reference them for identification and matching only, and we do not represent that any on-screen color is an accurate reproduction of a physical paint sample. Monitors vary — always confirm against a physical sample or drawdown before purchase.

5. Not a franchise

PainterOS is a software subscription, not a franchise, a business opportunity, or a licence to use anyone else's brand. We grant no territory, no exclusivity and no trade name, and we take no royalty.

Marketing language on this site compares the operational tooling a national brand has to the tooling PainterOS gives an independent owner. It is not an offer of a franchise or business opportunity, and no territory, exclusivity, brand licence or required payment beyond software fees is part of what we sell.

6. Not professional advice

PainterOS is software. Nothing on this site is legal, tax, accounting, payroll, insurance or licensing advice, and nothing here is an offer, a quote, or a guarantee of a specific outcome. Consult your own professionals.

Content about labor rates, workers’ compensation, prevailing wage, certified payroll, insurance, licensing and taxes is general information written for painting contractors. Rules differ by state and by contract, and only your own adviser can tell you what applies to you.

7. Pricing promises in one place

PainterOS is a digital-payments system: job payments are collected through PainterOS and PainterOS charges 1.0% of the invoice principal on every payment collected, regardless of payment method, taken as a platform fee out of the payment as it settles. Bookings require a $25 deposit to hold the appointment, credited to the customer's job. If you refund a customer, our fee on that amount is refunded to you. Card-processing, payout and dispute fees charged by our payments partner are separate from our fee and are passed through without markup.