Card costs for auto repair and service shops.
On a $1,400 repair, a 3 percent card cost is $42. Large tickets make card fees one of the most visible costs in a repair shop.
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Large tickets, large fees
Repair and service tickets are often hundreds or thousands of dollars, so every tenth of a percent matters. A clear pricing program or lower-rate processing can have a meaningful monthly effect.
Estimates and authorizations
Estimates should show cash and card totals, or disclose the card price difference, before work is authorized. That way the final invoice never surprises the customer.
Invoices and phone payments
Many shops take payment by phone or through invoices when the vehicle is ready. Card-not-present payments need the same disclosure as in-person ones and often carry higher underlying rates.
Fleet and business cards
Commercial and fleet cards can carry higher interchange. Sending enhanced data where eligible may lower that cost, and it is something we check during review.
What we model
Average repair order, phone versus in-person mix, fleet card share and current effective rate, compared across program options.
Frequently asked questions
Does my industry change the right processing setup?
Yes. Ticket size, tips, returns, recurring payments and card-present versus online transactions affect pricing and equipment needs. Describe how your business takes payments before comparing programs.
What should restaurants check before switching?
Check POS compatibility, tip adjustment, split checks, tableside payments, online orders and settlement reporting. Test how any pricing program appears on menus and receipts before launch.
What should retail stores check before switching?
Review inventory integrations, returns, barcode workflows, contactless payments and reconciliation. Compare your average ticket and monthly volume against the complete fee schedule.
What matters for auto-repair payments?
Larger invoices, deposits, remote approvals and payment links may need different tools than a retail checkout. Make sure authorization, documentation and refunds fit your existing service workflow.
Do you promise approval for every business?
No. Merchant accounts and program eligibility depend on underwriting, business activity, location and processor policies. Requesting a review is not a guarantee of approval.