Flux gives auto repair shops card payments, ACH for larger tickets and fleet accounts, and hosted fields that work from a phone or a service desk.
Why auto repair shops choose Flux
Big-ticket friendly
Route large repairs and fleet invoices over ACH to keep the cost down.
Pay at the desk or in the field
Take a card or send a link from a phone or a service desk.
No contracts
No setup fees, cancel anytime.
How auto repair shops get paid
Auto Repair Shops take cards for most tickets, route larger repairs and fleet accounts over ACH, and reconcile it all through Flux.
A typical Flux setup for auto repair shops
Most repair revenue lands at the front counter when the car is picked up, so the core rail is card at point of sale, settling in 1 to 2 business days. Phone approvals are the second rail: the service writer sends an invoice with a hosted payment page while the vehicle is still on the lift, so the bill is settled before pickup. Special-order parts get a card deposit at write-up, applied against the final ticket.
Commercial accounts, the local plumber with six vans or a delivery fleet, run on ACH invoicing with 1 to 3 day settlement, synced to QuickBooks so open repair orders and paid invoices reconcile without retyping. On a four-figure engine or transmission job, the consumer pass-through option, where local surcharging rules allow it, lets the shop present the card fee as a line item and offer ACH as the no-surcharge path.
What auto repair shops should watch
Repair disputes rarely look like fraud: the cardholder was standing in your lobby. They look like quality disagreements, a noise that came back, a part that failed early. Card networks treat these as service disputes, so the evidence that wins is the signed estimate, the itemized invoice, and the pickup signature. Collect approval in writing for any work added after the estimate, because verbal phone approvals are the weakest point in a dispute file.
Phone payments raise card-not-present risk, so route them through the hosted invoice page instead of reading numbers back across the counter phone. The customer types the card into fields served from origin-isolated iframes, so numbers never touch shop computers, and Flux carries the SAQ-D Level 2 PCI DSS burden. For added work discovered mid-job, send a fresh approval and payment link per change; a paper trail per authorization is what closes disputes fast.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume auto repair shops and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do auto repair shops accept payments with Flux?
Auto Repair Shops accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge auto repair shops?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do auto repair shops get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
How do I collect payment when a customer approves repairs over the phone?
Send a hosted payment link with the itemized estimate while the vehicle is still in the bay. The customer enters their own card, you get a timestamped approval and payment record for the work, and the ticket is settled before they arrive for pickup.
Can my commercial and fleet customers pay on account instead of at the counter?
Yes. Invoice them on your normal terms and collect by ACH, which settles in 1 to 3 business days, with QuickBooks sync matching payments to open repair orders. Their card can also stay on file through hosted fields for one-off jobs outside the account.
What should I keep on file in case a customer disputes a repair?
The signed estimate, written approval for any added work, the itemized final invoice, and the pickup signature. Repair chargebacks are usually quality disputes rather than fraud claims, and that chain of authorizations is the evidence card networks weight most.
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