Dealer payment processing
Save Time. Make Money.
Payment processing built around your dealership DMS. Auto-reconciliation to CDK, Reynolds, Tekion, and Dealertrack. Compliant surcharging and white-glove onboarding included.
Real-time integrations with the DMS your dealership already runs on
CDK
Reynolds
Tekion
Dealertrack
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Every transaction auto-reconciled to your DMS.
Manual reconciliation is a Monday-morning job that eats hours every week. Dealer Pay matches every transaction to the corresponding record in CDK, Reynolds, Tekion, or Dealertrack automatically. Anything unmatched, refunds, credits, exceptions, is flagged and delivered in a daily exception report.
Controllers close the books faster, GMs see accurate numbers in real time, and no one hunts for the missing $47.32.
Manual balancing time
0 hours
per week once auto-reconciliation is live. Manual matching moves off the controller's desk permanently.
Recovered revenue
2 to 4%
of card volume typically returned through a compliant surcharge program. Revenue the dealership is already earning, back on the P&L.
Compliant surcharging. Built in, not bolted on.
Processing fees eat gross profit today, and half of the DIY workarounds dealers try are non-compliant with card network rules or state law. Dealer Pay ships surcharge and cash discount programs designed to keep the dealership on the right side of both, without leaving revenue on the table.
Paired with mobile wallets (Apple Pay, Google Pay), hosted payment links delivered by text, and Dealer Pay Later installment plans, every payment method the customer wants is available at the counter, in F&I, or on the lot.
Every department, one payment platform.
Sales, service, parts, and F&I already share customers, deals, and repair orders in the DMS. Payment should not be the workflow that forces them to re-key everything.
Service
Repair order lookup at the drive
Pull an open repair order from the DMS, take payment on any device, and feed the transaction back to accounting without a single re-key. Cashier lines shrink and the CSI score does not.
Parts
Counter payment without the friction
Search open parts tickets from the payment screen. Accept credit, debit, check, Apple Pay, Google Pay, split tender, and partial payments. The parts counter stops being the bottleneck.
F&I / Sales
Meet the customer where the deal is
Hosted payment links by text or email, mobile wallets, and Dealer Pay Later installment plans. Store payment methods securely in the Customer Vault for follow-up billing.
Generic vs dealer specific
Why a horizontal payment tool cannot do a dealership job.
Generic processor
Dealer Pay
Real-time DMS integration
Not built for CDK, Reynolds, Tekion, or Dealertrack
Real-time integration with all four
Auto-reconciliation to DMS records
Manual back-office task
Automatic, with daily exception report
Repair order and parts ticket lookup
Not supported
Native from the payment screen
Compliant surcharge and cash discount
DIY, often non-compliant
Built in, compliant by design
Mobile lot and service drive payment
Countertop or third-party workaround
Native mobile solutions
Onboarding and support
Self-serve or ticket queue
White-glove onboarding, dedicated experts
Operator resources
Everything a dealership operator needs to evaluate payment processing.
The pillar guide
Car Dealership Payment Processing: The Complete Dealer Operator Guide
Everything a GM, dealer principal, or controller needs to evaluate dealer payment processing in 2026: DMS integration, auto-reconciliation, compliant surcharging, mobile and hosted payments, and PCI-DSS compliance.
DMS
What Is a Dealer Management System?
The complete 2026 DMS guide covering CDK, Reynolds, Tekion, Dealertrack, workflows, integrations, and buyer criteria.
ReadCDK
CDK DMS Explained
What dealerships actually get from CDK Global in 2026, from core modules to integration surface area.
ReadMerchant services
Dealer Merchant Services
What auto dealerships actually need from merchant services in 2026, and how it differs from a generic POS.
ReadSurcharging
Dealer Surcharge Guide
How dealerships legally recover card processing fees in 2026 without falling out of compliance with card rules or state law.
ReadAccounting
Dealership Accounting Software
How to end manual reconciliation for good, from DMS integration to daily exception reporting.
ReadBuyer guide
Car Dealer Accounting Software
A 2026 buyer guide to accounting software for franchised auto dealers.
ReadFrom dealerships in production.
Real dealership operators, in their own words. We do not run fabricated quotes.
Testimonial slot
Verified dealership testimonials will appear here as they are added to the Testimonial post type.
Common questions
Questions dealer operators ask before switching.
Which DMS providers does Dealer Pay integrate with?
Dealer Pay has real-time, expert-built integrations with CDK, Reynolds, Tekion, and Dealertrack. Every department (sales, service, parts, F&I) can access customer, deal, and repair information in real time from within the payment workflow.
How does Dealer Pay reconcile payments with our accounting?
Every transaction is automatically matched to the corresponding record in your DMS. Refunds, credits, and exceptions are flagged in a daily exception report sent to your controller. Manual account balancing moves off the desk.
Is Dealer Pay PCI-DSS compliant?
Yes. All Dealer Pay solutions are PCI-DSS certified. Sensitive payment data is stored in the Customer Vault using PCI-compliant tokenization, which also enables recurring billing and loyalty programs.
What payment methods can we accept?
Credit, debit, check, mobile wallets (Apple Pay, Google Pay), hosted payment links delivered by text or email, and installment plans through Dealer Pay Later. Split tender and partial payments are supported.
Can we recover processing costs?
Yes. Dealer Pay includes compliant surcharge and cash discount programs designed to recover processing costs without falling out of compliance with card network rules or state law.
What support does Dealer Pay provide?
White-glove onboarding, hands-on training for your whole team, and dedicated expert support after go-live. Support is treated as part of the product, not an add-on.
See it running against your DMS in a live demo.
20 minutes with a dealer specialist. See auto-reconciliation, compliant surcharging, and DMS-native workflows against your setup.