Car Dealership Payment Processing — Keep More of Every Deal
Down payments, F&I products, service department charges — dealerships swipe more cards than most owners realize. We make every one of them more profitable.
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The hidden costs
What's quietly draining your margins
Down payment processing fees
Three percent of a $5,000 down payment is $150 — gone on the deposit alone.
Service department margins
Service-bay fees compound on top of low-margin labor work. Processing eats real profit.
F&I product processing
Warranty, GAP, and service contract sales swipe — and lose 3% per swipe.
No card-on-file for service
Customers don't want to keep handing over cards for ongoing service. You lose the upsell.
The Scale fix
Save on every deal. Every department.
- Dual Pricing on down payments and F&I products — eliminate the fee on the biggest swipes.
- Separate merchant accounts for sales, service, and parts — clean accounting per department.
- Card-on-file for ongoing service customers and lease customers.
- Next-day funding so deal-day deposits don't float for three days.
Built for the way your business actually works
Every detail tuned for your industry — not a one-size-fits-all platform.
Department-level reporting
Sales, F&I, service, parts — separate reporting per department under one umbrella.
Dual Pricing on big-ticket
Down payments, F&I products, and major service work — eliminate the fee.
Card-on-file for service
Customers authorize once — service charges go through automatically.
Multi-location support
One merchant account family across rooftops with consolidated reporting.
Compliance-ready
PCI-DSS Level 1, EMV liability shift, and audit-ready transaction logs.
"The savings on our F&I product sales alone paid for the switch in the first month. Then we added Dual Pricing on down payments and the math just kept getting better."
GM
Independent dealership • Northeast US
See what you'd save in your first month.
A real person — not a chatbot — calls you back with a custom rate quote and a side-by-side savings breakdown. Free, no commitment.
Or call 718-702-0186