What matters most when auto parts stores and repair shops take cards
Large repair tickets
Big invoices make your percentage rate matter more.
Fleet and business cards
Commercial cards cost more to accept unless you pass Level 2 and 3 data, which can qualify eligible cards for lower rates.
Deposits for parts
A deposit before ordering parts protects you if a customer walks away.
A payment setup that fits
How we usually set up auto parts stores and repair shops. Your consultant tailors it to how you actually sell.
- 1
Text-to-pay
Send a payment link when the car is ready.
- 2
Level 2 and 3 data
Lower rates on eligible fleet and business cards.
- 3
A terminal at the counter
Card-present payments for walk-in parts sales.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Your most recent processing statement, so we can compare pricing
- Business registration and EIN letter
What can slow down approval
- Business information that doesn’t match public records
- Owner identity checks that can’t be completed
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Ask whether your processor passes Level 2 and 3 data
- Get signed approval before extra work
- Check statements for new fees
Auto parts & repair: common questions
How can we lower fees on fleet cards?
Send Level 2 and 3 data, like tax amount and line items, with each transaction. It can qualify eligible business cards for lower interchange.
Can customers pay by text?
Yes. Payment links are common in repair shops.
Should we add a surcharge?
Card-brand rules currently cap credit card surcharges and don’t allow them on debit, and some states restrict them further. We’ll walk you through your options.
What happens after I switch?
We keep reviewing your statements and tell you when fees creep up, so your savings stay saved.