Automotive Merchant Accounts & Payment Processing
Payment processing for dealerships, repair shops, and auto service businesses. CDK Global integration, high-ticket transaction support, and interchange-plus pricing.
What Makes Automotive Payment Processing Different
High tickets, B2B transactions, and dealer management system integration create requirements that standard retail processors do not handle well.
Automotive businesses have some of the highest average ticket sizes in merchant services. A vehicle purchase, a major repair, or a parts order can run $2,000 to $50,000. At these ticket sizes, the difference between flat-rate and interchange-plus pricing is not incremental. It is a material cost that compounds across every transaction. Most automotive businesses are significantly overpaying their processor because they accepted the first rate they were offered and never had a statement analysis done.
GoPayhawk places automotive merchant accounts with processors that support high-ticket transactions and, where applicable, integrates with CDK Global for dealership payment processing. Service departments, parts departments, and vehicle sales can all process through a single GoPayhawk merchant account. B2B fleet accounts and commercial customers who pay with corporate cards can benefit from GoPayhawk's Level 2 and Level 3 data processing, which captures additional transaction detail to qualify for lower interchange rates on commercial cards.
High-Ticket Transaction Risk
Large transactions attract more scrutiny from processors and carry higher chargeback risk. GoPayhawk works with processors that understand automotive ticket sizes and sets up accounts with appropriate velocity limits and fraud controls for the industry.
B2B Fleet & Commercial Cards
Commercial fleet cards and corporate purchasing cards qualify for lower interchange rates when Level 2 and Level 3 data is captured at the time of sale. GoPayhawk's setup includes this configuration for automotive businesses with significant commercial card volume.
DMS Integration
Dealerships using CDK Drive or other dealer management systems need payment processing that integrates with their DMS so that vehicle sales, service revenue, and parts transactions post correctly without manual entry. GoPayhawk integrates with CDK Global for this purpose.
Payment Processing Built for This Industry
GoPayhawk provides the tools, pricing, and support this industry requires.
High-Ticket Transaction Support
GoPayhawk places automotive accounts with processors that support large transaction sizes for vehicle sales, major repairs, and high-value parts orders.
Interchange-Plus Pricing
At automotive ticket sizes, the difference between flat-rate and interchange-plus is significant. GoPayhawk's interchange-plus pricing ensures you are not overpaying on every major sale.
CDK Global Integration
GoPayhawk integrates with CDK Global's dealer management system for payments on vehicle sales, service, and parts. Transactions post directly to your DMS without manual reconciliation.
Level 2 & Level 3 Processing
Commercial fleet and corporate card transactions qualify for significantly lower interchange rates when additional line-item data is captured. GoPayhawk configures Level 2/3 processing for automotive businesses with commercial card volume.
In-Person & Card-Not-Present
Vehicle deposits, service invoices, and parts orders can be processed in person at the counter or remotely via virtual terminal. GoPayhawk supports both in a single merchant account.
Next-Day Funding
Cash flow matters when you are carrying vehicle inventory and paying floor plan interest. Next-day funding is standard for GoPayhawk merchants.
Get an Automotive Merchant Account That Fits Your Business
Submit your current statement for a free analysis. We will show you exactly what you are paying and what you could save with interchange-plus pricing.
Payment Processing FAQ
Yes. GoPayhawk places automotive merchant accounts with processors that support high average ticket sizes for vehicle sales, major repairs, and parts orders. Your advisor will set appropriate velocity limits and fraud controls for your specific business volume during underwriting.
Yes. GoPayhawk integrates with CDK Global's dealer management system through the CDK gateway, allowing vehicle sale, service, and parts transactions to post directly to your DMS without manual data entry or reconciliation.
Level 2 and Level 3 processing captures additional transaction data (purchase order numbers, line-item detail, tax amounts) that commercial fleet and purchasing cards require to qualify for lower interchange rates. For automotive businesses with significant commercial card volume, this can reduce processing costs meaningfully on corporate purchases.
Interchange-plus is typically the best model for automotive businesses because of high average ticket sizes and B2B commercial card volume. At $5,000 to $20,000+ per transaction, even a small difference in effective rate is significant. Cash discounting is also available for service departments.
Yes. GoPayhawk supports card-present transactions at the counter or service drive, and card-not-present transactions for remote deposits, invoice payments, and phone orders through a virtual terminal. Both transaction types are under a single merchant account with unified reporting.
Also see: B2B Payment Processing — Interchange Plus — High-Risk Processing