Major Heating and Air Conditioning improves margins with KeyBank Merchant Services
Business
Major Heating and Air Conditioning was already a trusted name in Denver's HVAC market when brothers Jack and Bob Major took over the family business in the early 2000s.
Founded in 1970, the business garnered a reputation for integrity, long-term relationships, and focus on improving customers’ quality of life. Over time, their services expanded beyond traditional HVAC to include geothermal systems and customized solutions for homes and businesses. Today, Major proudly serves the Denver metro area and Colorado’s mountain communities.
Challenge
As the business evolved and cashless payments became more commonplace, customers wanted more ways to pay. Around 2020, the company began to accept credit cards for larger jobs. Accepting credit card payments provided a better experience for customers and gave the company more control and security with transactions.
But it also got expensive, since the company was charged a fee for every credit card transaction. As Major’s volume grew, the company's fees really started to add up. By 2023, those costs were cutting into the profit margins on every job. It was not an expense the company could just pass along to its customers.
KMS really stepped up. They stayed with us day in and day out to work through the process.
Jack Major
Major Heating and Air Conditioning
Solution
Major turned to KeyBank, its longtime bank, and worked with KeyBank Merchant Services (KMS) to review their options. When evaluating options, Major was looking for more than just competitive pricing — they needed solutions that would support their day-to-day operations, improve cash flow, and help position them for future growth.
Key delivered a comprehensive solution that combined banking, payments, and accounts receivable into a seamless experience. Key took a consultative approach, working closely with Major to understand their unique operational needs and design a solution that fit their business.
“KMS really stepped up,” Jack Major said. “They stayed with us day in and day out to work through the process.”
Results
By using Clover®, the company gained access to a modern, flexible platform that expanded far beyond payment acceptance. New capabilities included employee management tools, mobile point-of-sale technology, and digital business tools that allow estimates and invoices to be created and delivered electronically.
Payments are now faster, more consistent, and easier on customers and the team — especially for a business with crews in the field on jobs that can’t wait.
“It delivers a better experience for both our clients and our team,” Jack Major said.
Looking Ahead
Lower processing costs and steadier cash flow have given the company room to reinvest — upgrading tools, tightening operations, and continuing to grow.
These improvements also create opportunities to enhance the customer experience through online payment integration, helping support the business as it evolves.
Working with Key Merchant Services allowed Major Heating and Air Conditioning to spend less time managing financial operations and more time focusing on what matters most — delivering exceptional service to its customers for years to come.
To learn more, schedule an appointment.