Payments tuned for auto dealers
Dealers collect down payments, F&I add-ons, and service lane tickets that range from quick oil changes to four-figure repairs, often card-not-present for.
Dealers collect down payments, F&I add-ons, and service lane tickets that range from quick oil changes to four-figure repairs, often card-not-present for remote buyers. Holds on legitimate automotive dollars usually mean limits and MCC setup never matched the rooftop. We size limits for deposit and service tickets, secure CNP for remote deals, and keep F&I and service on reporting you can audit.
Sound familiar?
These are the friction points we hear most often from auto dealers before a savings review.
- High-ticket sales triggering holds, declines, or steep fees
- Losing bigger sales when customers cannot pay all at once
- Fraud and chargebacks on card-not-present orders
- Sensitive customer data widening your PCI and compliance scope
- Statements you cannot actually read or verify
How auto dealers get paid
Your underwriting, equipment, and pricing should match this flow, not a generic countertop setup.
- Vehicle deposits and down payments in store or remote
- F&I aftermarket products at signing
- Service department repair orders at the lane
- Parts counter retail and warranty deductibles
- Online reservation fees and marketplace leads
What we configure for your vertical
- High-ticket limits for deposits and repair orders
- Secure CNP for remote buyer commitments
- Card-present EMV in service and parts
- Interchange-plus across rooftop departments
- PCI scope reduction when DMS integrations allow tokenization
Worth knowing before you switch
- Keyed deposits over the phone code as expensive CNP
- Service lane keyed entry downgrades qualified repair tickets
- Marketplace lead fees need clean descriptors to avoid disputes
How Gateway helps
Practical outcomes we configure for auto dealers, on top of transparent interchange-plus pricing.
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.
Fraud & chargeback tools
Protect card-not-present revenue with the right safeguards in place.
PCI scope reduction
Point-to-point encryption and tokenization keep raw card data out of your systems.
Real human support
A dedicated specialist who actually answers, plus our written savings guarantee.
The bottom line
- High-ticket limits for deposits and repair orders
- Secure CNP for remote buyer commitments
- Card-present EMV in service and parts
- Interchange-plus across rooftop departments
Go deeper
Compare and learn
Common questions
Use secure pay links and tokenization instead of keyed numbers widening PCI scope.
Related industries
Ready to lower your auto dealers fees?
Send one statement. We’ll show you exactly what you could save, with no commitment.