Estimate-to-pay flow
Customer approves the estimate by text, deposit charged automatically, balance pulled at pickup. No more handing over the keypad three times.
A $79 oil change and a $4,200 transmission rebuild come through the same counter. The right setup handles deposits before the work starts, balances on pickup, fleet accounts, and financing for the big jobs — without four different software logins.
Big jobs need a deposit before parts come in — and a clean way to charge the balance when the customer rolls back through. The right card-on-file flow makes pickup take 30 seconds, not five minutes of arguing with the keypad.
Some customers want it broken out, some want a single number. The estimate-to-invoice flow has to support both — and the receipt has to match what the warranty paperwork says.
Net-30 commercial accounts, ACH for monthly statements, and a card-on-file for emergency repairs. The card processing piece has to live alongside the AR side without doubling your bookkeeping.
A $3,500 transmission is the kind of repair that walks away when there's no payment plan. Sunbit, Snap, Synchrony, and similar financing options approve customers in two minutes and pay you next day.
Wired into your shop-management software (Mitchell, Tekmetric, Shop-Ware, etc.) instead of a separate terminal that nobody updates.
Customer approves the estimate by text, deposit charged automatically, balance pulled at pickup. No more handing over the keypad three times.
Sunbit, Snap, or similar — soft-pull approvals in 2-3 minutes, you're funded next day. Closes the jobs that used to walk.
ACH for monthly statements, card-on-file for one-off repairs, clean per-account reporting that matches what your bookkeeper needs.
On a 6% margin shop, the credit card fee is real money. A correctly disclosed surcharge or dual-pricing program drops the effective rate near zero on card volume.
We used to hand customers the keypad three times — once for the estimate deposit, once for parts, once for pickup. Now they approve by text and tap once on pickup. Saved us probably twenty minutes a day at the counter.
Marco at a 3-bay shop in Dallas · sample composite
Send a recent statement and a note about your shop-management software — I'll come back with a real number.