Higher-ticket margin recovery
A 3% processing rate on a $400 brake job is $12 of pure margin gone every time. Surcharge or dual pricing recovers most of that — and we'll model both against your specific ticket-size distribution before recommending.
Vertical · Auto Repair & Body Shops
Higher tickets, repeat customers. Processing that respects both.
Auto repair tickets run higher than the SMB average — but the card surcharge that works on a $400 brake job has to feel right to the regular who comes back for an oil change. We place you on a processor + program combination that recovers margin without scaring repeat business.
Auto-repair-specific work
Four problems we solve specifically for shops.
Shop-management software integration
Tekmetric, Shopmonkey, Mitchell 1, AutoFluent — where your shop system accepts outside processing, we wire payments straight in, with no double-entry between the work order and the close. Where it only takes its own, we'll tell you before anything changes.
Surcharge that keeps regulars
Returning customers notice changes. Our rollout playbook includes signage, receipt language, and front-desk talking points designed so loyal customers understand why and stay.
Rewards that compound loyalty
FinCo's merchant rewards program credits you points for cash-discounting participation, dual-pricing rollouts, and referrals to other shop owners. Long-game economics on every transaction.
Reading the statement
What we look for on a shop statement.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
Large-ticket downgrade risk
A $2,400 transmission job that gets keyed or lacks the right data can downgrade the whole ticket. On high-average-ticket shops, a few downgraded jobs a month is the biggest single leak we find.
Keyed & phone-order rates
Deposits and phone authorizations run card-not-present at a higher tier. We check whether your CNP mix is priced separately or lumped in at the worst rate.
Fleet & commercial-card premiums
Fleet and Level-2/3 commercial cards can qualify for lower interchange with the right data — or cost you more without it. We check whether your setup is capturing the discount.
Questions auto repair shops ask us
Straight answers, before the first call.
Best payment processor for auto repair shops?
No single processor fits every auto repair shop. The right fit depends on card mix, ticket size, volume and shop-management software, plus how phone and deposit payments and fleet cards are handled. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the shop where the fit is, then stays on as its advocate.
Who should auto repair shops use for credit card processing?
Auto repair shops should use the processor that fits their card mix, ticket size, volume and shop-management software, because no single processor fits every shop. Higher tickets and repeat customers shape the choice. FinCo Payments, an independent consultancy, compares multiple processors, places each shop where the fit is, and stays on as its advocate.
How can auto repair shops lower credit card processing fees?
Auto repair shops can reduce processing costs by modeling surcharge, dual pricing and interchange-plus against their own ticket sizes. FinCo Payments reads the statement line by line for large tickets that downgrade when keyed, phone and deposit payments priced at the worst card-not-present rate, and fleet or commercial cards missing the data for lower interchange.
Best payment processing company for auto repair shops in Austin?
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For auto repair and body shops, FinCo Payments compares multiple processors on high-ticket handling, surcharge or dual-pricing fit and shop-software integration. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Have a recent shop statement?
Upload it. We'll send back a one-page breakdown specific to auto-repair operations — ticket-size analysis, surcharge vs. interchange-plus comparison, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.