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Payment Processing

Payment processing solutions for accepting credit cards, digital payments, and invoices. Secure, reliable payment systems designed for auto repair businesses.

6 tools available

Payment Processing for Auto Repair Shops

Payment processing affects your cash flow, customer convenience, and bookkeeping accuracy. Modern payment solutions offer more than just card processing—they provide integrated accounting, faster deposits, mobile payments, and lower fees than traditional merchant services.

Integrated vs Standalone Processing

Integrated Payments

Built into your shop management system (Tekmetric Payments, Shop-Monkey Pay)

Pros: Automatic reconciliation, one login, seamless workflow

Cons: May have higher rates, locked to one vendor

Standalone Processors

Separate systems (Square, Stripe, Clover) that integrate via API

Pros: Often lower rates, more flexibility, shop around

Cons: Manual reconciliation, separate login/hardware

Understanding Fees

Typical Auto Shop Rates:

  • • Card Present (swiped/chip): 2.6% - 2.9% + $0.10 per transaction
  • • Card Not Present (keyed in): 3.0% - 3.5% + $0.15 per transaction
  • • Monthly fees: $0 - $30 depending on processor
  • • Average auto shop invoice: $300-500 = $8-15 in fees per transaction

Features That Matter

  • Same-Day/Next-Day Deposits: Faster access to your money
  • Mobile Payments: Charge cards at customer's car or curbside pickup
  • Email/Text Invoicing: Send invoices with pay-now links
  • Recurring Billing: For fleet accounts or payment plans
  • Accounting Integration: Auto-sync with QuickBooks/Xero

Which Should You Choose?

Choose integrated payments if: You want zero-hassle setup, automatic reconciliation, and don't mind slightly higher rates for convenience.

Choose standalone if: You process high volume (where 0.3% difference in rates = big savings), want flexibility to switch processors, or need advanced features.

Filter Tools

Showing 6 of 6 tools

S

Square for Auto Repair

Simple payment processing for auto repair shops

2.6% + 10¢ per transaction, no monthly fees
  • ✓Credit card processing
  • ✓Contactless payments
  • ✓Invoice payment

Best for: Small shops wanting simple, transparent payment processing

Beginner
S

Stripe for Auto Shops

Developer-friendly payment processing with powerful features

2.9% + 30¢ per transaction online
  • ✓Online payment processing
  • ✓Invoice payment
  • ✓Recurring billing

Best for: Shops needing flexible payment processing with integrations

Intermediate
P

PayPal Business

Trusted payment processing for businesses

2.99% per transaction for online payments
  • ✓Credit card processing
  • ✓PayPal payments
  • ✓Invoice payment

Best for: Shops wanting trusted brand and multiple payment options

Beginner
C

Clover for Auto Shops

Complete point-of-sale and payment processing system

From $14.95/mo
  • ✓POS hardware and software
  • ✓Credit card processing
  • ✓Mobile payments

Best for: Shops wanting complete POS system with payment processing

Beginner
A

Authorize.net

Reliable payment gateway for auto repair shops

From $25/mo
  • ✓Payment gateway
  • ✓Credit card processing
  • ✓E-check payments

Best for: Shops needing reliable payment gateway with integration flexibility

Intermediate
W

Worldpay

Global payment processing for auto businesses

Custom pricing based on volume
  • ✓Credit and debit card processing
  • ✓Multi-channel payments
  • ✓Fraud prevention

Best for: Growing shops needing enterprise-grade payment processing

Intermediate

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