Payment processing for
Car Dealerships

Car Dealerships take cards for most tickets, route larger repairs and fleet accounts over ACH, and reconcile it all through Flux.

On the sales floor, cards handle deposits: a buyer holds a vehicle with a card payment by link or invoice while financing or a wire is arranged, and the balance moves by ACH, which settles in 1 to 3 business days and suits five-figure amounts better than a card ever will. For remote and out-of-state buyers, stablecoins on Solana or Ripple (XRP Ledger) settle to the dealership wallet instantly, useful when a car cannot leave the lot until funds are final.

The service drive and parts department fit on the same account: service tickets paid by card through a payment link on the customer's own phone, settling in 1 to 2 business days, invoices for wholesale parts customers on ACH, and everything synced to QuickBooks so sales, service, and parts post to their own income accounts. The consumer pass-through option, a cash discount program, can also apply to large service tickets, so customers who pay by card cover the processing fee.

The dispute pattern that matters is the walked deal: a buyer leaves a deposit, the financing falls through or they change their mind, and the card dispute arrives before your refund policy does. Put deposit terms in writing at the moment of payment, state plainly whether the deposit is refundable and under what conditions, and refund promptly to the original card when a deal dies, because a refund already in flight is the cleanest chargeback defense.

ACH suits vehicle balances, but ACH is reversible for days after it appears to clear, so the real question is when the car leaves the lot. Settlement in 1 to 3 business days is when funds arrive, not when returns become impossible, so many dealers hold delivery until the transfer is final or take the balance in stablecoins, which settle instantly and do not reverse. Card payments on whole vehicles also concentrate chargeback exposure into a single enormous transaction.