Big repair tickets, paid on the spot. No more chasing customers down.
Payment processing for independent repair shops, tire centers, collision shops and quick-lube operators — text-to-pay approvals, parts deposits, fleet card acceptance and financing on the jobs that need it.
Accept every way your customers pay
Where shops lose money
The repair bay has payment problems a generic processor never solved
Your average ticket is several times a retail sale, half your approvals happen over the phone, and a good share of your volume rides on commercial plastic. That combination is expensive on the wrong account.
Big tickets get declined
A $2,400 transmission job can trip a daily card limit. We set up authorization handling and backup methods so the sale doesn't die at the counter.
Approvals happen by phone
Text a secure payment link with the estimate. The customer approves and pays from wherever they are, and you have the authorization before the work starts.
Parts deposits tie up cash
Collect a deposit when the order is placed and capture the balance at pickup, without re-running the customer's card from scratch.
Fleet cards cost more than they should
Fleet, corporate and purchasing cards qualify for lower interchange when enhanced data goes with the transaction. Most shops never send it.
What we set up
A payment setup built around how a shop actually runs
Front counter, phone, the bay and the lot — the same account covers all of it, and every transaction lands on one statement you can read.
Text-to-pay & pay links
Send the estimate and a secure link in one message. Approval and payment happen in the same step, timestamped for your records.
Counter & mobile terminals
Countertop units for the front desk and wireless terminals for the bay, the lot or a mobile service van.
Deposits & split payments
Take money down on special-order parts, then settle the balance at delivery. Split a large repair across two cards when a customer asks.
Fleet & commercial cards
Accept fleet and corporate cards with Level 2 and Level 3 data attached automatically, so eligible transactions bill at the lower rate.
Customer financing
Offer installment options on high-dollar repairs so a $3,000 job doesn't come down to whether one card approves.
Works with your shop software
Connect to your existing shop management or invoicing system through a PCI-compliant gateway instead of double-keying every ticket.
Recurring billing
Bill fleet accounts and maintenance plans on a schedule instead of re-invoicing them every month.
Chargeback support
Phone and keyed transactions carry more risk. We help you capture the right authorization records and respond when a dispute comes in.
Why shops switch
A payments partner, not a help-desk ticket
Approvals in hours
A short application with minimal paperwork. Most accounts are reviewed and approved the same day, so you are not down a payment method for a week.
Transparent pricing
Interchange-plus with a clear, fixed markup. No padded monthly fees, no surprise reprogramming charges, and a statement that shows where the money went.
A dedicated rep
A named account manager who knows how a shop runs — someone to call when a terminal goes down mid-Saturday, not a queue.
Common questions
What shop owners ask us first
Can I take a deposit on a parts order and charge the balance later?
Yes. We set the account up for partial authorizations and follow-up captures, so you can collect money down when the part is ordered and settle the rest at pickup without asking the customer for their card a second time.
Do you handle fleet and commercial cards?
Yes, and this is where most shops leave money on the table. Fleet, corporate and purchasing cards are billed at the highest interchange tier when they run without enhanced data. We configure the account to pass Level 2 and Level 3 detail automatically so eligible transactions qualify for a lower rate. How much that saves depends on your card mix — a statement review gives you the real number for your shop.
Will this work with my shop management software?
In most cases, yes. We connect through a PCI-compliant gateway that the common shop management and invoicing platforms already support. Tell us what you run and we will confirm the integration path before you sign anything.
What does it cost to switch?
Send us a recent processing statement and we will break down what you pay today, line by line, and what the same volume would cost with us. If we cannot beat it, we will tell you that. There is no charge for the review.
Other industries
We set up payments for these too
Talk to sales
See what your shop could save
Tell us a little about the business and a payments specialist will follow up with a free, no-obligation statement review.
Prefer email? Reach us at sales@thewholesalemerchant.com.