Merchant services for auto repair and tire shops
Big tickets, deposits, fleet accounts and customers who'd rather pay by text. Payment setups for repair shops, tire shops, detailers and body shops.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Payments for auto repair, without the runaround
Repair tickets are large, so processing fees add up fast. A $1,200 repair at 3% is $36 in fees on one job. That's why many shops look at a cash discount program or dual pricing, or at interchange-plus if they run lots of commercial and fleet cards.
We'll also look at how payments fit your shop management software, whether you need text-to-pay for customers who drop off and leave, and how to handle fleet and commercial cards.
- Text-to-pay for drop-off customers
- Cash discount on large tickets
- Fleet and commercial card handling
- Integration with many shop management systems
- Deposits for parts orders
- Countertop and wireless terminals
What a good auto repair setup includes
Built around the way you take orders and get paid.
Text-to-pay
Send a secure link when the car is ready.
Cash discount
Card sales help cover the fee on big tickets.
Fleet cards
Commercial cards handled with the right data.
Counter terminal
Chip and tap at the service desk.
Estimates and deposits
Collect a deposit before ordering parts.
Financing referrals
Point customers to third-party consumer financing where available.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
Does a cash discount make sense for a repair shop?
Often, because tickets are large and customers are used to seeing cash prices. Signage and estimates should show the pricing clearly.
Will it work with my shop software?
Many shop management systems integrate with certain processors. Tell us what you use and we'll check.
Can I take payment without the customer present?
Yes, with a payment link or virtual terminal. Keyed payments cost more, so text-to-pay is usually better.
Other industries
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.