Payment Processing for Auto Repair Shops
Auto repair invoices are larger than average, which means every fraction of a percent in processing fees has a bigger impact on your bottom line.
What Auto Repair Businesses Are Dealing With
Common payment processing challenges we see in your industry — and fix.
High fees on large invoices
A 3% fee on a $2,000 repair is $60. On interchange-plus pricing, that same transaction might cost $40-45. The difference adds up fast.
Keyed-in transactions at higher rates
Phone orders and manually keyed transactions trigger higher interchange rates. If you key in transactions regularly, you're paying a premium.
Multi-day holds on large payments
Some processors flag large transactions for review, delaying your deposits and complicating parts purchasing.
No understanding of your business
Auto repair has unique transaction patterns. Your processor should know the difference between a $50 oil change and a $5,000 engine rebuild.
How Liberty Bancard Solves Them
Practical solutions built around how auto repair businesses actually operate.
High-ticket transaction optimization
We structure pricing to minimize the per-transaction cost on larger invoices where flat-rate processing is most expensive.
Keyed-entry rate management
For phone orders and fleet accounts, we provide competitive keyed-entry rates and help you move transactions to card-present when possible.
Fast deposit processing
Qualified merchants receive deposits without unnecessary holds on legitimate large transactions, keeping your parts-purchasing cash flow intact.*
Fleet and commercial card acceptance
Accept Level II and Level III commercial cards at reduced interchange rates when properly configured.
Mobile payment capability
Accept payments in the bay, at the counter, or in the parking lot with wireless terminal options.
By the Numbers
3.0%
Average effective rate we find on auto repair statements
$4,800
Average annual savings identified per shop
$1,200
Average transaction size where interchange-plus shines
Frequently Asked Questions
Why are auto repair processing costs so high?
Auto repair shops have higher average tickets, which amplifies the impact of percentage-based pricing. Many also key in transactions for phone orders, triggering higher interchange categories. Both factors drive up your effective rate.
Can I accept fleet cards and commercial cards?
Yes. We configure your terminal for Level II processing, which provides lower interchange rates on qualifying commercial and fleet cards when proper data is submitted.
Will large transactions be held?
We work with you to establish appropriate transaction limits during onboarding so legitimate large repairs aren't flagged unnecessarily. This reduces deposit delays on your typical high-ticket work.
Do you offer payment plans for customers?
We can set up recurring billing capability for customers who need to pay large repair bills over time, with secure card-on-file storage.
What if I have multiple shop locations?
We provide consolidated reporting across locations with consistent pricing, so you can manage all shops from one account view.
See What You're Actually Paying
Upload your most recent processing statement. We'll break it down line-by-line and show you exactly where your money goes — no commitment required.