Your Business, Optimized for Profit

With SkyOS and Fractal’s payment optimization, you get a complete platform to run your business more efficiently — and more profitably.
Calculate Your ROI
Connect with us

What Chips Away at Your Profit

Most businesses operate on tight margins, especially construction businesses. Even if your business is growing, you're still leaving margin on the table every time you process a payment.
Disconnected Systems
Outdated Payment Tools
Manual Workflows

The SkyOS + Fractal Advantage

SkyOS powers your operations. Fractal powers your profits. 
Together, they give you a modern, intelligent business platform that helps you:
Streamline Ops
Streamline quotes, orders, invoices, and reporting.
Track Live
Track performance in real-time across multiple locations.
Automate Waste
Automate tasks that waste time and money.
Cut Costs
Lower payment processing costs by 50–80%.
Pass Fees
Pass fees to card customers compliantly (where allowed).
Bank Over Card
Convert card payments to lower cost, safer bank payments.
Get Paid Fast
Get paid faster, with less friction.

Estimate Your Gains

See the profit you are missing and the cost savings you could deliver: Integrate SkyOS & Fractal with your Construction Platform.
What is your estimated total annual revenue?
500000000
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
What % of your annual revenue is paid with credit cards?
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Fee pass‑through rate
Fractal automatically apply credit‑card fees to a fixed share of transactions.
10%
View results below

55% Savings with Fractal, 43% More Gross Profit

Net Cost
Detailed
Avg. Processor
$1,953,767
Fractal
$874,384
Avg. Processor
Fractal logo
Savings
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
Card Fees
$1,375,000
$962,500
$412,500
Bank Fees
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
$0
$45,000
–$45,000
Chargebacks
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
$250,000
$87,500
$162,500
Late-Pay Cost
Delayed payments are expensive, reduce aging AR with payments you can receive in as little as the next day
$328,767
$164,384
$164,384
Pass-Thru Savings
Offset as much or as little of your credit card processing fees as you would like with fee pass through
$0
-$192,500
$192,500
Net Cost
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
$1,953,767
$874,384
$1,079,384
Start Optimizing Your Fees Now
Get started
*Estimates for illustrative purposes Only

Real-World Impact

Businesses using SkyOS + Fractal grow margins by up to 25%.
A company processing $100K/month in payments could gain an extra $25K–$30K per year — without changing pricing or sales volume.

Why It Works

Fully Embedded
No new logins or systems required
Real-Time Insights
Get visibility into margin, cost, and payment health
Fast Setup
Work directly with your Sky Systemz account team
Built-In Compliance
Includes ACH rails at just 0.5%

Built for Forward-Thinking Businesses

Whether you're running a ready-mix operation, a supply yard, or a multi-location contracting firm, SkyOS + Fractal gives you a smarter way to operate and grow.
Calculate Your ROI

Maximize Profit from the System You Already Use

SkyOS users can activate Fractal in minutes.
Book a Demo
Request a demo