Payment Processing Built for Automotive
High-ticket repairs deserve better than flat-rate processing. With Network Offset Pricing, auto shops pay $0 in processing fees — with fleet card optimization and text-to-pay built in.
What Flat-Rate Pricing Costs Your Shop
High-Ticket Fee Drain
Auto repair and body shop invoices average $500-3,000+. At flat-rate pricing, a $2,000 repair costs $58+ in processing fees — the actual interchange may be under $38. That difference is profit lost on every job.
Parts & Labor Markup
Processors charge the same percentage on parts costs as labor. Since parts carry lower margins, paying 2.9% on a $1,200 parts bill further compresses already tight material margins.
Multi-Payment Complexity
Customers pay deposits on orders, progress payments on large jobs, and final balances at pickup. Basic processors cannot handle split payments or deposits efficiently.
Fleet & Commercial Accounts
Fleet cards and corporate purchasing cards have different interchange categories. Flat-rate processors charge the same rate regardless, missing the lower commercial card rates.
Based on PaySec merchant data, Q1 2026. Individual results may vary.
Why Auto Shops Choose PaySec
Network Offset Pricing
Pay $0 in processing fees on every transaction. High-ticket repairs and parts orders cost nothing to process — unlike flat-rate processors that take hundreds per job.
Text-to-Pay & Invoicing
Send payment links via text or email for estimates, deposits, and final invoices. Customers pay from their phone — no need to come back to swipe.
Fleet Card Optimization
Fleet and commercial cards — like all card types — cost $0 to process with Network Offset Pricing. Flat-rate processors charge you the same inflated rate regardless of card type.
Fast Funding
Large repair payments settle the next business day. Keep cash flow moving for parts orders, vendor payments, and payroll without waiting.
How It Works
From statement review to first transaction in under a week.
Free Statement Analysis
We review your current processing statements across parts, service, and F&I departments. See exactly where flat-rate pricing inflates your fees on high-ticket ROs.
Department Configuration
We configure terminals for service lanes, parts counters, and F&I desks. Integration with your DMS for automatic posting and reconciliation.
Staff Training & Go-Live
Hands-on training for service advisors, cashiers, and F&I managers. Run both processors during the transition — no missed transactions.
Start Saving
Process every RO, parts sale, and vehicle deal at $0 with Network Offset Pricing. Track savings by department from your real-time dashboard.
“Our average repair ticket is $1,800. Switching to Network Offset Pricing saved us over $1,500 per month in processing fees. The text-to-pay feature means customers pay before they even pick up.”
PaySec vs. Other Automotive Processors
| Feature | PaySec | Square | Traditional Processor |
|---|---|---|---|
| $0 processing fees | |||
| High-ticket payment support | |||
| Fleet card acceptance | Varies | ||
| Payment plan / recurring billing | Extra cost | ||
| Shop management integration | Varies | ||
| Same Day / Next Day / Two-Day funding | Extra fee | ||
| Free terminal equipment | |||
| No long-term contracts |
Automotive Processing FAQ
Related Resources
Your High-Ticket Repairs Deserve Lower Fees
Get a free statement analysis and see how much your shop can save with Network Offset Pricing. Free analysis slots are limited — request yours today.
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