PaySec + Shopmonkey: Zero Processing Fees for Auto Repair Shops
How auto repair shops using Shopmonkey are eliminating credit card processing fees with PaySec's Network Offset Pricing.
Auto repair is a business built on labor rates and parts margins, and both of those margins are under constant pressure. Customers compare prices online, parts costs fluctuate, and competition from chain shops and dealerships keeps pricing tight. In that environment, losing 2.5-3% of every repair order to credit card processing fees is a significant drain on profitability — and it is one that most shop owners have reluctantly accepted as a fixed cost.
Shopmonkey is the all-in-one shop management platform that modern auto repair businesses rely on for estimates, repair orders, parts ordering, customer communication, and payments. It has become the tool of choice for shops that want a clean interface, digital workflows, and operational efficiency. But Shopmonkey Payments still charges standard processing rates on every transaction. For a shop processing $100,000 per month, that is over $31,000 per year in processing fees alone.
PaySec adds zero-cost payment processing to Shopmonkey's operational efficiency through Network Offset Pricing. Instead of absorbing the processing cost on every repair order, the shop receives the full invoice amount on every transaction while customers see a transparent choice between cash and card pricing.
What Is the PaySec + Shopmonkey Integration?
PaySec integrates with Shopmonkey as the payment processing solution at the service counter. When a repair order is completed and the customer arrives for pickup, the PaySec terminal receives the invoice total from Shopmonkey and displays two prices: a cash/check price and a card price. The card price includes a small network offset that covers the cost of processing. The shop receives the full repair order amount no matter which option the customer chooses. This is Network Offset Pricing (NOP), legal in all 50 states and compliant with all card network rules.
The integration also supports text-to-pay for remote payment collection, allowing customers to pay before pickup or settle outstanding balances from their phone.
The Real Cost of Processing Fees for Auto Repair Shops
| Shop Profile | Monthly Revenue | Processing Rate | Annual Cost |
|---|---|---|---|
| Small indie shop (2-bay) | $50,000 | 2.7% | $16,200 |
| Mid-size shop (4-bay) | $100,000 | 2.6% | $31,200 |
| Large operation (8-bay) | $200,000 | 2.5% | $60,000 |
| Multi-location (3 shops) | $350,000 | 2.5% | $105,000 |
For perspective, $16,200 per year is the cost of a high-quality alignment machine. $31,200 could fund a full-time service advisor. $60,000 is the down payment on a shop expansion. These are real dollars leaving the business every year with nothing to show for them.
How Network Offset Pricing Works with Shopmonkey
Repair Order Payment at Pickup
The customer arrives to pick up their vehicle. The service advisor closes the repair order in Shopmonkey, and the PaySec terminal displays the total with dual pricing:
Example: $650 brake and rotor replacement
| Payment Method | Amount |
|---|---|
| Cash/Check | $650.00 |
| Credit/Debit Card | $676.00 |
The customer pays, the RO closes in Shopmonkey, and the shop receives the full $650.
Per-Transaction Savings by Job Type
| Job Type | Amount | Fee Saved with PaySec |
|---|---|---|
| Oil change | $75 | $2.03 |
| Brake job | $450 | $12.15 |
| Timing belt | $1,200 | $32.40 |
| Transmission repair | $2,800 | $75.60 |
| Engine replacement | $5,000 | $135.00 |
On high-value jobs like transmission work and engine replacements, the per-transaction savings are immediately meaningful. A single engine replacement saves $135 in processing fees.
Text-to-Pay for Remote Collection
Shopmonkey's digital workflow already includes customer communication tools. PaySec adds text-to-pay with NOP so customers can pay remotely:
- Repair complete notification includes payment link
- Customer pays from their phone with dual pricing displayed
- Payment posts to the Shopmonkey RO record
- Vehicle is ready for pickup on arrival
Integration Features
- Service counter NOP terminal — PCI Level 1 compliant contactless terminal at the payment counter
- Shopmonkey RO sync — repair order totals flow directly to the terminal for accurate pricing
- Text-to-pay — remote payment collection with dual pricing for customer convenience
- Payment posting — transactions post back to Shopmonkey RO records automatically
- Fleet and commercial accounts — dual pricing on fleet invoices and commercial billing
- Parts counter sales — walk-in parts purchases processed at zero cost
- No contracts, no minimums — flexible terms that work for single-bay shops and multi-location operations
- Multi-location support — centralized processing across all shop locations
Who Benefits Most?
The PaySec + Shopmonkey integration delivers the largest impact to independent auto repair shops processing $40,000 or more per month, shops with high average repair order values (especially those doing transmission, engine, and major repair work), multi-location shop groups looking to eliminate a significant line-item expense across all locations, and shops that have invested in Shopmonkey for operational efficiency and want their payment processing to match that efficiency by keeping every dollar they earn.
Auto repair customers are accustomed to receiving detailed estimates and invoices with clear pricing. The dual pricing display at the terminal is a natural extension of the transparency they already expect.
Getting Started
- Contact PaySec for an auto repair merchant account. Approval takes 3-5 business days with no minimums.
- Deploy the NOP terminal at your service counter alongside your existing Shopmonkey setup.
- Connect to Shopmonkey's workflow so repair order totals feed directly to the terminal and payments post back to RO records.
- Go live and start saving on every repair order, parts sale, and fleet invoice from day one.
PaySec + Shopmonkey: modern shop management paired with zero-cost payment processing. Your margins are tight enough without giving 2.5-3% of every ticket to a processor.