Auto Repair, Tire & Body Shops
Payment Processing for Auto Shops That Gets Cars Out the Door Faster
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Over 30,000 businesses rely on VMS
1998
The year we started serving small businesses
24/7
Customer care for every merchant
Payment solutions
Fast Payments for Faster Turnaround
When customers come to pick up their vehicle, the last thing they want is a slow checkout. Payment processing for auto shops from Velocity Merchant Services takes chip, tap, swipe and mobile wallet payments in seconds, so your service writers close out tickets fast and keep the counter clear.
Every terminal ships pre-programmed and plug-and-play, and with a complete application most shops are approved and have equipment at the door within 48–72 hours.
Free Cost Analysis
Send us your most recent processing statement and we’ll show you what you pay now and what you’d pay with VMS, backed by our $1,000 rate guarantee.
Every Fee in Writing
Every rate and fee is spelled out in your merchant agreement before you sign, so nothing on your statement catches you off guard.
Tailored Pricing
Your rate is built around your monthly volume, average repair ticket and card mix, not a one-size-fits-all flat rate.
Payments
Handle Large Transactions with Ease
From a $40 oil change to a $4,000 transmission job, payment processing for auto shops has to handle big tickets as easily as small ones. We set up your account with the right approved ticket size from day one, so a large repair payment isn’t held or flagged because your account was underwritten for oil changes.
Customers can split a bill across two cards or between card and cash, and you can take a deposit up front on parts-heavy jobs, backed by an itemized invoice that spells out the parts and labor for the customer.
Customized Solutions Tailored To Your Business
Inventory Management
Employee Management
Customer Engagement
Cloud-Based Software
Customized for you
Track Estimates, Invoices, and Payments
Managing estimates, invoices and payments is a hassle when they live in different systems. With Clover and apps from the Clover App Market, you can send invoices by email, take payment before the customer even arrives for pickup, and keep customer and vehicle history organized in one place.
That means less time chasing paperwork and more time turning bays.
Business Management
Build Trust with Clear Receipts
Clear, detailed receipts build confidence with every customer. Whether it’s routine maintenance or a major repair, printed or digital receipts that itemize parts, labor and tax help customers understand exactly what they’re paying for. With payment processing for auto shops that itemizes every ticket, you reduce disputes and chargebacks and build the trust that keeps drivers coming back.
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Payment Processing for Auto Shops, From People Who Know Your Counter
Auto shops don’t run like coffee shops. Tickets are larger, customers pay at pickup, and one held payment can wreck a week of cash flow. Velocity Merchant Services has supported small businesses since 1998, and our payment processing for auto shops is set up around how repair, tire and body shops actually get paid.
Lower Rates on Bigger Tickets
Flat-rate apps charge the same percentage on a $4,000 engine job as on a $40 oil change. Our payment processing for auto shops uses interchange-plus pricing, so you pay the true card cost plus a small, fixed markup. Send us your latest statement and we’ll show you both numbers side by side.
The Right POS for the Front Desk
A Clover Mini or Clover Duo handles the counter, and a Clover Flex lets a service writer take payment in the bay or the parking lot. Fleet customers can pay with WEX or Voyager fleet cards. Compare every option on our All Devices page.
Set Up for You, Supported After Hours
Your services, parts categories, labor items and sales tax are set up before your equipment ships, so your payment processing for auto shops is ready on day one. If you need help, our in-house team answers during business hours and our 24/7 customer care team picks up after hours, so a Saturday problem doesn’t wait until Monday.
Ready to lower what your shop pays to get paid? Send us your latest statement and we’ll show you the savings.
Call 888-902-6227 or fill out the form below.
Frequently Asked Questions
Can customers split payments or pay a deposit on large repair jobs?
Yes. Clover lets customers split a bill across multiple cards or between card and cash, and you can take a deposit before ordering parts on big jobs. Just give the customer an invoice or estimate that spells out the parts and labor the deposit covers, which also protects you if a charge is ever disputed. With payment processing for auto shops from VMS, your account is approved for the ticket sizes you actually run, so large repairs go through without holds. Need cash for your own shop? Ask about working capital through VMS.
You can accept EMV chip cards, swipe, contactless tap, mobile wallets like Apple Pay and Google Pay, gift cards and manual key-in for phone payments. Payment processing for auto shops with VMS gives customers every option they expect at the counter. If you service fleet accounts, you can also accept WEX and Voyager fleet cards, so commercial customers and fleet drivers can pay at your counter.
Yes. You can send invoices by email from Clover and accept payment online, and estimate and work order apps from the Clover App Market connect to your POS. Ask your VMS specialist which app fits the way your shop writes tickets and connects to your payment processing for auto shops.
Yes. Whether you run one shop or several, Clover gives you centralized reporting, employee tracking and real-time sales from one dashboard. Paired with our payment processing for auto shops, you can see revenue by location, by day and by employee.
Yes. Clover employee management tracks who rang each sale, hours worked and labor costs. For assigning work orders to specific technicians, apps from the Clover App Market add that workflow. Your VMS specialist can recommend one that fits your shop.
Yes. Every VMS device uses encryption and PCI-compliant security to protect each transaction. Secure payment processing for auto shops also means real people behind it: if you get a chargeback, our in-house team helps you respond, and after hours our 24/7 customer care team has access to your account.
VMS prices on interchange plus a markup that ranges from 0.05% + $0.05 to 0.50% + $0.10 per transaction, based on your volume and card mix. Most of our merchants land at an effective rate between 2% and 2.25%. Because repair tickets run large, every tenth of a point matters: on $60,000 a month in card sales, a one-point difference is about $600 a month, or $7,200 a year.
Send us your most recent credit card processing statement. If we can’t beat the rate you’re paying now, we’ll pay you $1,000. See more answers on our merchant services FAQs page.
Yes, with our cash discount program. Your posted prices reflect card pricing and customers who pay cash get a discount. On a $2,000 repair, that can be the difference between paying $50 or more in fees and paying close to nothing. Your VMS specialist sets up the signage and receipt settings that keep you within card brand rules.
Yes. You can key in a card for a phone payment or email the customer an invoice to pay online, so the car is paid for before they arrive. It’s payment processing for auto shops that works around your schedule. That keeps your counter clear at 5 p.m. when everyone picks up at once.
With a complete application, most shops are approved and have equipment at the door within 48–72 hours. Every terminal and POS ships pre-programmed and plug-and-play, and our team can set up your services, parts categories and sales tax for you.
VMS merchant agreements run 36 months, and every rate and fee is spelled out in writing before you sign. Equipment can be leased over 48 months for a small monthly payment, with an upgrade to newer models every four years. Details are on our merchant services FAQs page.
