Payments for auto repair
Payment processing for auto repair shops
Send the estimate as a quote the customer approves online, take a deposit for parts before you order them, and text the balance to customers who aren't at the shop. At the counter, key in the amount on any phone. Anytime Capital Payments is 2.75% + 30¢ per card or wallet payment with no monthly fee, and each payment sweeps into your business account the minute it settles.
- Estimates approved online
- Parts deposit and balance on one invoice
- Pay-by-link for customers off-site
Then 2.75% + 30¢ per card or wallet payment. No monthly, setup or PCI fees. Updated October 2026.
Quick answer
How should an auto repair shop take payments?
Repair work usually has three money moments: the customer approves the estimate, pays a deposit for special-order parts, and pays the balance at pickup. With Anytime Capital Payments, the estimate goes out as a quote the customer accepts online, which becomes the invoice; the invoice asks for a parts deposit first and keeps the balance on the same invoice; and you can text the invoice link to a customer who is at work. At the counter, key in the amount and the customer scans and pays. It is 2.75% + 30¢ per payment, $18.62 on a $666 brake job. Square's in-person rate of 2.6% + 15¢ on its Free plan is lower, $17.47 on the same job, if you run a card reader at the counter.
How it plays out
One repair shop, one payment, start to finish
Every step below is something Anytime Capital Payments does today: the link or invoice, the reminder, the payment and the payout, on one account.
- Estimate Q-1042 approved onlineMon · 9:12 AM
- $286 parts deposit paid with Apple PayMon · 9:15 AM
- Car ready · invoice link texted to Marcus at workTue · 2:30 PM
- $380 balance paid from his phoneTue · 2:41 PM
- Paid out instantly to your business accountTue · 2:41 PM
How it works
How a repair shop gets paid with Anytime Capital
- 01
Estimates the customer approves online
Send the estimate as a quote, with parts and labor on separate lines and a valid-until date. The customer accepts or declines it from the link, the quote records who accepted it and when, and accepting turns it into the invoice, so you never retype a job.
The estimate, sent as a quote the customer approves online. Anytime Capital product view, demo data. - 02
A deposit for parts before you order them
The invoice asks for a fixed or percentage deposit first, so special-order parts are paid for before they arrive. The customer pays it by card, Apple Pay, Google Pay or bank account, and the rest stays on the same invoice.
The invoice, asking for the parts deposit first. Anytime Capital product view, demo data. - 03
The balance, paid from wherever they are
When the car is ready, text or email the invoice link. The customer pays the balance from their phone at work or at home, the invoice shows what was paid and what remains, and reminders go out if it's late.
The balance, ready to pay from the link. Anytime Capital product view, demo data. - 04
Or at the counter, without a terminal
Open In person on the service desk's phone or tablet, key in the amount and a note such as the vehicle, and the customer scans the code and pays with Apple Pay, Google Pay or a card on their own phone.
At the counter: key in the balance, the customer scans and pays. Anytime Capital product view, demo data.
What it costs
Card fees on a repair shop's typical sales
| Sale | Anytime Capital (2.75% + 30¢) | Stripe (2.9% + 30¢) | Square online, Free plan (3.3% + 30¢) | PayPal Checkout (3.49% + 49¢) | Square in person, Free plan (2.6% + 15¢) |
|---|---|---|---|---|---|
| Oil change $80 | $2.50 | $2.62 | $2.94 | $3.28 | $2.23 |
| Diagnostic $150 | $4.43 | $4.65 | $5.25 | $5.73 | $4.05 |
| Brake job $666 | $18.62 | $19.61 | $22.28 | $23.73 | $17.47 |
| Major repair $1,400 | $38.80 | $40.90 | $46.50 | $49.35 | $36.55 |
Published US rates as of October 2026, before monthly plans, international cards, currency conversion, disputes and payout fees. New Anytime Capital businesses pay 2.5% + 30¢ for their first 90 days.
A shop taking $60,000 a month at an average of $400 pays $1,695.00 at 2.75% + 30¢, $1,785.00 at Stripe's published online rate and $2,025.00 at Square's Free-plan online rate. If every repair went through a Square reader at the counter, Square's in-person rate would come to $1,582.50, less than ours.
Fleet and commercial accounts can pay invoices by bank account, which costs far less than a card on large bills; our ACH rate is on the pricing page. Settings also let you pass a card processing fee on to people who pay by card, shown as its own line. Card-network rules and some state laws restrict that, so check them before you turn it on. This is general information, not legal advice.
Built in
What a repair shop gets on day one
- Estimates as quotesAccepted online, with who accepted and when, then turned into the invoice.
- Parts depositsA fixed or percentage deposit first, the balance later on the same invoice.
- Pay-by-linkText or email the invoice link; customers pay from their phone wherever they are.
- Reminders that chase for youBefore, on and after the due date, at most one a day, stopping once it's paid.
- Counter payments, no readerKey in the amount on any phone or tablet; the customer scans and pays.
- Bank payments for fleetsACH bank debit on every invoice for fleet and commercial accounts.
Also included
Pay parts suppliers from the same balance
Payments sweep into your Anytime Capital business account instantly, nights and weekends included. Pay parts suppliers and technicians by RTP, FedNow, ACH or wire, or fund business cards for parts runs, from the same balance.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Straight talk
Keep your shop management software
Anytime Capital doesn't write repair orders, look up labor times, order parts or run digital inspections. Keep your shop management software for that, and use Anytime Capital for estimates sent as quotes, deposits, invoices, counter payments and payouts. If your shop software only takes payments through its own processor, the quote, deposit and pay-by-link flow can still run here alongside it.
Some states set rules for written estimates, repair authorizations and invoices, such as listing parts and labor separately. An accepted quote records who accepted it and when, but check that your paperwork meets your state's rules. This is general information, not legal advice.
Keep using another tool for
- Repair orders and digital inspections
- Labor guides and parts ordering
- Vehicle history and service reminders
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Payouts
Where the money goes next
- Payouts to your bank accountWithdraw your balance to your business bank account from Payouts whenever you like, or let automatic payouts follow your schedule. Instant delivery is offered when your account and bank are eligible, and each payout shows its expected arrival before you confirm.Standard, or instant where eligible
- Your Anytime Capital business accountSweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.Instant, 24/7
- RTP and FedNow instant transfersPush money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.Seconds, any day
- Domestic wireFedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.Same day
- ACH and same-day ACHLow-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.Same day or next day
- Local rails in 71+ countriesPay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.Minutes to same day
Questions
Payment processing for auto repair shops: FAQ
Tools, comparisons and guides
Payments for other businesses
- Payments for salons & spas
- Payments for gyms & fitness studios
- Payments for property management
- Payments for nonprofits
- Payments for home services
- Payments for photographers & videographers
- Payments for tutors & lesson teachers
- Payments for childcare & daycare
- Payments for pet care & grooming
- Boat & auto dealerships
Important Disclosures
- Rates for Stripe, Square and PayPal are their published US pricing as of October 2026, from the pages named on each company's comparison page. Prices change and negotiated pricing differs; check current pricing before you decide.
- Product views on this page are renders of the Anytime Capital Payments interface with demo data. The businesses, people, addresses and amounts shown are fictional.
- Anytime Capital is independent of the companies named on this page and is not endorsed by, affiliated with or sponsored by them. Third-party names and trademarks belong to their owners.
- This page is for information only and is not financial, tax or legal advice.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.