Repair, service, wash, detail — one processor.
From a $45 oil change to a $4,000 transmission job — processing, hardware, and funding tuned for automotive service and retail.
Automotive is not one business — but most processors price it like it is
A mechanic charges $450 on a repair order. A detailer processes 30 tickets a day at $75 each. A tire shop runs a $1,400 set-of-four with road hazard. A car wash runs 800 small tickets in a single afternoon. Every one of those has different interchange, different authorization patterns, and different risk profiles. Most processors roll them all into one generic rate and either over-charge the small operators or under-configure the big ones. We set each merchant type up correctly — the right MCC, the right auth behavior, the right funding cadence, and the pricing model that actually fits. (For new and used car dealerships specifically, see our dedicated dealership page — dealer F&I and DMS integration needs are different enough to handle separately.)
The right program for this category
Cash Discount / Dual Pricing (0% processing)
Our first-choice program for this category.
Interchange-Plus for high-ticket operations or if you'd rather not pass the fee
Honest pass-through alternative — no surprise markups.
Service, wash, and detail operations benefit most from cash discount. High-ticket operations like dealerships often prefer interchange-plus because card brands cap surcharge percentages on large transactions. Your specialist will recommend the right fit based on your ticket mix.
Hardware, POS, and gateway matched to the category
Payment terminals
Dejavoo Z11 countertop for service writers, Valor VL110 handheld for lot and service-lane use, Clover Flex for flexibility, Valor RCKT mobile for detail and mobile service operations.
Point-of-sale systems
Clover, EposNow, or integration with your existing shop-management system (Mitchell, Tekmetric, Shop-Ware, RepairShopr). For dealerships specifically, see our dealership page.
Gateway
NMI for invoicing, card-on-file for repeat customers, and wash-subscription billing.
Add-ons and integrations
High-ticket authorization thresholds, card-on-file for repeat customers, wash-subscription billing, invoicing tools.
Category-specific safeguards
- Correct MCC placement for service, wash, and detail operations (5511, 5532, 7538, 7542)
- High-ticket authorization thresholds configured in underwriting
- PCI support included
- Reserves capped or eliminated for qualified accounts
Common questions
I run a shop. Do I need something different from a dealership?
Yes. Dealerships have F&I, DMS integration, and high-ticket needs that require a different setup. For service shops, car washes, and detail operations, this is the right page.
We run a wash subscription — does that work?
Yes. We support recurring billing on tokenized cards, with automatic retry logic and a customer-facing update portal.
Do you integrate with our shop management software?
We connect to the processor underneath most automotive platforms (Mitchell, Shop-Ware, Tekmetric, RepairShopr, and others).
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.