Payments tuned for auto repair
Most shops close the RO at the counter, but the expensive tickets are financing, fleet cards, and phone approvals, and each codes differently on.
Most shops close the RO at the counter, but the expensive tickets are financing, fleet cards, and phone approvals, and each codes differently on interchange. A blended rate and a processor who never sized your limits shows up as holds, downgrades, and mystery fees on the statement you only read when something breaks. We set up the desk, pay-by-link for remote approvals, and limits aligned to your real average repair order.
Sound familiar?
These are the friction points we hear most often from auto repair before a savings review.
- In-person sales billed at higher tiers than they actually qualify for
- High-ticket sales triggering holds, declines, or steep fees
- Losing bigger sales when customers cannot pay all at once
- Chasing invoices and waiting on checks to clear
- Statements you cannot actually read or verify
How auto repair shops actually get paid
Your underwriting, equipment, and pricing should match this flow, not a generic countertop setup.
- Counter payment when the customer picks up the vehicle
- Large repair orders that need financing
- Fleet and commercial cards on shop account work
- Deposits for parts-heavy jobs
- Invoices sent for insurance supplement balances
What we configure for your vertical
- EMV terminal at the service desk with clear qualified swipes
- Pay-over-time financing for repairs over a few hundred dollars
- Pay-by-link for customers who approve work remotely
- High-ticket authorization limits tuned to your average RO
- Readable statements so you see cost per ticket, not mystery bundles
Worth knowing before you switch
- Big single tickets trigger holds if your processor never sized your account
- Keyed approvals over the phone downgrade transactions
- Fleet cards need correct qualification data or you overpay
How Gateway helps
Practical outcomes we configure for auto repair, on top of transparent interchange-plus pricing.
Best card-present pricing
We make sure every swipe, dip, and tap settles at the lowest qualified interchange tier.
High-ticket optimization
Right-sized limits and clean settlement so large sales clear and cost less.
Pay-over-time at checkout
Offer consumer financing so customers say yes to bigger purchases, at no risk to you.
Invoicing & pay-by-link
Send a secure link and get paid fast, with cards stored safely for next time.
Real human support
A dedicated specialist who actually answers, plus our written savings guarantee.
The bottom line
- EMV terminal at the service desk with clear qualified swipes
- Pay-over-time financing for repairs over a few hundred dollars
- Pay-by-link for customers who approve work remotely
- High-ticket authorization limits tuned to your average RO
Go deeper
Compare and learn
Comparisons
Common questions
Yes. Financing at checkout helps you close the work today without carrying the risk.
Related industries
Ready to lower your auto repair fees?
Send one statement. We’ll show you exactly what you could save, with no commitment.