Automotive
Processing for the Service Lane
Automotive payments are a mix of big single tickets, deposits taken before parts arrive, and fleet accounts billed on file. We set up acceptance that handles all three without eating the margin on the work.
The Problem
Four-figure tickets on someone else's card economics
A transmission job or a set of tires puts a serious charge on a card, and at flat-rate pricing the fee on that single ticket can exceed the margin on the parts. Deposits taken weeks before delivery invite disputes when timelines slip, and fleet or commercial cards settle at rates most shops were never shown how to reduce.
What We Deliver
The working parts
01
High-ticket acceptance
Authorization limits and pricing set for four-figure repair orders, so a big job neither declines nor gets devoured by fees.
02
Compliant surcharging and dual pricing
Programs that pass credit-card cost to the payer within brand rules, disclosed on the estimate and the receipt.
03
Deposit and final-bill workflow
Parts deposits and completion balances handled as linked transactions, with paper trails that defend against disputes when a job runs long.
04
Fleet and commercial-card optimization
Level II data on business-card transactions so fleet work qualifies for reduced commercial interchange.
05
Card-on-file for account customers
Stored credentials for fleet and repeat commercial clients, mandated correctly so monthly billing is clean and defensible.
Also in Market Expertise
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