F&I, service, and parts — one partner.
DMS-integrated payments, high-ticket authorization, and purpose-built dealership tech through our DealerWorks partnership.
Dealerships need dealership infrastructure
A $35,000 vehicle sale, a $400 parts invoice, and a $180 oil change are three completely different card transactions — and generic processors treat them the same. Most dealers have run into authorization caps, declined deposits, surprise reserves after a good weekend, and DMS integrations that break every time the processor pushes an update. We work with DealerWorks, a platform purpose-built for auto dealerships, to handle F&I, parts, service, and reconciliation in one integrated stack — with underwriting that actually understands the dealership ticket profile.
The right program for this category
Interchange-Plus (transparent pass-through)
Our first-choice program for this category.
Cash Discount / Dual Pricing on smaller service-department tickets
Honest pass-through alternative — no surprise markups.
Card networks cap surcharges on large transactions, which makes cash discount less effective on a $30,000 vehicle purchase. Interchange-plus keeps pricing transparent and predictable across F&I, parts, and service — and it's the model most dealership accounting teams prefer for clean reconciliation. Smaller service and parts tickets can run on cash discount if you want to protect margin there.
Hardware, POS, and gateway matched to the category
Payment terminals
Dejavoo Z11 countertop in F&I, Valor VP800 for the service drive and parts counter, Valor VL110 for mobile use in the service lane.
Point-of-sale systems
DealerWorks is our primary dealership platform — it handles F&I, parts, service, and reconciliation workflows purpose-built for auto dealers. Clover or EposNow as alternatives for independent lots and used-car dealers.
Gateway
NMI for deposit-taking, online F&I, and card-on-file for repeat service customers.
Add-ons and integrations
DealerWorks integration for CDK, Reynolds & Reynolds, and Dealertrack DMS systems. High-ticket authorization thresholds, service department card-on-file, online deposit forms.
Category-specific safeguards
- High-ticket authorization configured in underwriting (no surprise declines on vehicle purchases)
- Correct MCC placement for new and used car dealers (5511 / 5521)
- Reserves minimized or eliminated on qualified accounts
- PCI support included for F&I, parts, and service departments
Common questions
What is DealerWorks and why do we use it?
DealerWorks is our primary dealership payment platform. It's built specifically for auto retail — F&I deposit flows, service-drive card-on-file, parts counter checkout, and clean reconciliation against your DMS. It removes the workarounds dealers usually have to build on generic payment stacks.
Do you integrate with CDK, Reynolds & Reynolds, or Dealertrack?
Yes — DealerWorks supports all three major DMS platforms, so card transactions flow into the same system your accounting team already uses.
Can I really take a $40,000 vehicle on a credit card?
Yes, with proper underwriting. Most generic processors cap authorizations too low for dealership use. We set limits to match your actual ticket mix during setup, not after the first declined sale.
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.