The estimate changes.
The payment should keep up.
The estimate changes.
The payment should keep up.
Authorize the estimate before the work starts, capture the real total when it is done, and take fleet cards without a second terminal.
Works with the terminals and gateways you already know
Clover
PAX
Verifone
Authorize.netHow a repair order gets paid.
Authorize the estimate
A hold is placed when the customer approves the quote, before any parts are ordered.
The job changes
Extra work is added to the same order. Nobody re-runs a card or chases a signature.
Capture the final
The real total is taken at collection, within the authorization you already hold.
Settle overnight
One deposit, with fleet and retail cards separated on the statement.
Three places a shop takes a payment.
A month of card fees on big tickets.
Drag your volume. Grey is the card networks’ cost and nobody can change it; the coloured streams are what you are choosing a processor over.
- InterchangeGoes to the card-issuing bank. Nobody discounts this.$2.4k
- Network assessmentsVisa and Mastercard’s own cut. Also fixed.$210
- Processor markupYour processor’s margin. This is the number on the agreement.$750
- Monthly line itemsPCI, statement, minimum, batch. Usually removable outright.$129
of the bill is markup and monthly line items.
$879 of $3,459 a month · $10,548 a year
A model, not a quote — the card mix is ours, not yours. Big-ticket work skews toward debit, which is where the gap between pricing models opens widest. Your own statement is the only figure that settles it.
From shops that switched
“Holding the authorization on the estimate stopped the arguments at collection. That alone was worth it.”
“Fleet cards used to be a separate machine and a separate statement. Now they are just lines on ours.”
What shops ask
Send last month and we will mark up every line that is not interchange.
Send us last month’s statement.
Send us last month’s statement.
We will mark up every line that is not interchange and send it back. No call required.
Tell us about the shop.
Bays, average ticket, and whether you take fleet. We will come back with real numbers.
Contact Information
Groups get one account across every location, with reporting per shop and per bay.
⏱️ Real numbers within two business days.