Best Automotive Merchant Accounts

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

Credit card processing for auto shops might seem fairly straightforward to most observers. There’s usually only one or two registers, a single cashier, and one approved transaction for each customer. However, the needs of an automotive merchant can be incredibly diverse. The large average ticket size of car repairs and parts can expose auto merchants to fund holds or devastatingly large chargebacks. Per-transaction rates and monthly fees can also pile up depending on whether a shop is doing lots of business or is in a slow time of the year. As an additional consideration, auto shops can usually benefit from some kind of customer engagement platform in order to inspire loyalty and encourage repeat business.

All of these factors mean that some providers are better than others when it comes to automotive merchant accounts. But how to choose? We’ve compiled the following list of the top five best merchant account providers for auto shops and card dealers. This list includes providers that offer low, transparent pricing, quality customer service, and products that are ideal for meeting the needs of the automotive industry. These providers can offer in-store payment solutions as well as e-commerce processing for auto suppliers. We recommend that you contact a few of these providers and compare quotes in order to find the best pricing and service package for your auto shop.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Fattmerchant

Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk auto shops and offers a comprehensive dashboard for tracking all payments and customers.

Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for automotive parts and repair shops. The company’s products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, and merchant cash advance. Host Merchant Services can also offer a wide variety of e-commerce solutions for auto merchants who would like to establish a web presence.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

CDG Commerce

CDG Commerce is a Chesapeake, Virginia-based merchant account provider that can supply payment processing for in-person, mobile, and online auto merchants. CDG Commerce’s products include a free payment gateway, sales reporting, automated alerts, QuickBooks integration, AVS, and chargeback notifications. The company has been providing merchant services since 1998.

CDG Commerce offers month-to-month agreements with no early termination fees to its merchants, but pricing will vary depending on each merchant’s business type and processing history. We currently give CDG Commerce an overall rating of “A+,” and the BBB also gives CDG an “A+.”

For more information, see the CDG Commerce Website or call (888) 393-1079.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


Payline Data

Payline Data is a Chicago, Illinois-based merchant account provider that is a great all-purpose option for any type of automotive business. The company’s products and services include traditional POS equipment, a QuickBooks-integrated online payment gateway, a virtual terminal, mobile processing options, payment tokenization, cloud-based business and inventory management, and sales analytics.

Payline Data has been in business since 2009 and has maintained a remarkably clean complaint record in that time. The company consistently receives positive merchant feedback on consumer forums and is usually able to offer interchange-plus pricing with a month-to-month agreement and no early termination fees. Our review of Payline Data currently awards the company an “A+” rating, while the BBB gives Payline an “A” at this time.

Helcim

Based in Alberta, Canada, Helcim is another solid all-around option for automotive businesses of any type and size. Helcim’s products and services include mobile payment solutions, POS equipment, a virtual terminal, and an online payment gateway for retail, mobile, and e-commerce auto merchants. Helcim offers most of its physical processing hardware for a flat upfront purchase price and charges a flat monthly fee for the use of its desktop computer-based virtual terminal.

Helcim offers interchange-plus pricing with no early termination fees to all of its merchants and regularly receives praise for its sales and support staff. Our review of Helcim gives the company an overall rating of “A+,” and the BBB also gives Helcim an “A+” at this time.

For more information, see the Helcim Website.

Cayan

Headquartered in Boston, Massachusetts, Cayan is a large all-purpose merchant account provider that is able to serve any type of business in the automotive industry. The company’s products and services include debit and credit card processing, traditional POS equipment, tablet-based POS, payment tokenization, an online payment gateway and virtual terminal, NFC acceptance, and mobile payment processing solutions. The company’s proprietary, cloud-based Genius customer engagement platform also enables merchants to accept secure payments even when their local network is down, generate custom reports, and retain useful information about repeat customers.

Cayan’s pricing varies depending on a merchant’s size, business type, and processing history. However, the company generally offers month-to-month agreements with no early termination fees. Cayan currently has an “A” grade on CardPaymentOptions.com and an “A+” with the Better Business Bureau.

For more information, see the Cayan website or call (888) 506-8019.


If your company provides payment processing services for automotive merchants, please leave a comment below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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I specialize in helping businesses get refunds of excessive fees and have recovered $1,156,834 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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