Payment costs for automotive service and repair shops.
Repair orders are large, itemized and quoted ahead of time. That makes it easy to bring up payment pricing when you talk through the estimate.
Average ticket
High
Percentage-based cost dominates here.
Card mix
Moderate to high
A general description.
Cost driver
Ticket size
Percentage fees grow with the invoice.
Where automotive lose margin.
These are the patterns we see most often when we review statements in this category.
Big tickets mean big cost
A single four-figure repair order carries a real processing cost.
Parts eat into margin
Low-margin parts absorb more of the processing cost.
Estimate to invoice changes
Pricing needs to be disclosed before the customer approves the work.
Fleet and account billing
Multiple payment methods make reporting harder.
Illustrative model
Example | independent repair shop
- Monthly card volume
- $160,000
- Average ticket
- $640
- Assumed rate today
- 3.1%
- Estimated monthly processing cost
- $4,960
These numbers are for modeling only.
What we usually deploy first.
We set things up in order, so the change with the biggest impact happens before hardware or analytics.
Pre-set for a typical automotive profile.
Adjust the inputs to match your own volume, ticket size, and current rate.
Inputs
≈ 250 card transactions per month
Total monthly processing cost ÷ total monthly card volume.
Residual cost retained by the merchant under a program structure.
Illustrative output
Estimated annual savings
$50,880
≈ 85% reduction in modeled acceptance cost
- Monthly processing cost
- $4,960
- Annual processing cost
- $59,520
- Estimated program cost / mo
- $720
- Estimated monthly savings
- $4,240
These are estimates only. Your actual results depend on your processing volume, interchange, card mix, processor fees, pricing and program setup.
Automotive questions.
See the numbers for your automotive.
Bring a recent statement and we will show you where your costs actually sit.
No obligation · Estimates are examples only