How to grow your payments app with tractor hire and ploughing services
By SendPay Business · · 2 min read
Many small farmers cannot buy a tractor, so they pay someone who owns one to plough, harrow, plant or harvest their land. Owners charge by the acre, the hour or the day, and nearly all the work comes in a few busy weeks at the start of the rains or at harvest. Farmers want to book early, owners want to be sure they will be paid before driving out to a distant field, and payment is often in cash in the middle of nowhere. A payments app that takes a deposit to book, lets farmers pay in the field by phone and keeps a record of every job can win these owners, and every farmer who pays sees your app.
Talk to tractor owners
Ask local tractor hire and ploughing services:
- How do farmers book you in the busy season, and do you take a deposit?
- Do you charge by the acre, the hour or the day?
- How do farmers pay you when the work is done, often far from town?
- How often does a job go unpaid, or get paid after harvest?
Take deposits to book
A deposit link when a farmer books holds their place in the queue and saves the owner a wasted trip if plans change.
Get paid in the field
Letting the farmer pay by phone as soon as the field is done means no cash on the tractor and a record of the job for both sides.
Grow through farmer groups
Tractor owners often work for whole villages or farmer groups. When those farmers pay through your app, they tell each other and look for other services that take it.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
What about farm supply shops?
The farm supply and agro-dealers guide covers seasonal sales of seed, fertiliser and feed, orders and repayments.
Farm supply and agro-dealers →What about tool and equipment hire?
The tool and equipment hire guide covers renting out drills, ladders and mixers, often with a deposit.
Tool and equipment hire →Can I call it a bank?
In most countries "bank" is a protected word you can only use with a banking licence. Call it an account, a wallet, an app or a platform. The accounts and payments behind a SendPay Business platform are powered by licensed partners.
Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you pay. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.