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Payzium.
Auto repair

Keep more of every big ticket.

About $8,123 a year back in your business on $60,000 a month in card sales, compared with Square.

On a $2,500 job, a full percentage point of markup is $25 that walks out the door. Payzium passes interchange through at cost, so more of every repair bill stays in the shop, and it lands in your account the next day.

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  • Next-day funding
  • Pay less or it's free
  • Honest Rate Promise
  • No junk fees
Payzium-controlled fees only
A mechanic grins as a customer taps a phone on his handheld terminal

Estimate at our published rates; a person runs the same math on your own statement before you sign.

What switching means for your shop.

$60,000
$5K$100K$1M
Who processes your cards today?
Kept in your first year

$8,123

About $677 a month back in your business compared with Square, and $24,369 over three years.

How your price is built

At $60,000 a month in card sales

Network costs (interchange and assessments), passed through at cost
$821.04
Payzium margin
$111.60
Payzium per-transaction fees
$5.45
Monthly account fee
$5.00
Your total a month
$943.09
Effective rate
1.57%
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Estimate for a typical profile: 90 percent in person, $550 average ticket, compared with each processor's published US rates. A person runs the same math on your own statement before you sign.

What a US shop keeps by switching.

Math is for a blended US card mix at $550 average ticket, 90 percent card-present. Payzium runs the same math on your own numbers before you sign.

Kept a year at $25,000 a month, compared with Square
$3,350
Kept a year at $60,000 a month, compared with Square
$8,123
Kept a year at $120,000 a month, compared with Square
$16,738
Kept a year at $300,000 a month, compared with Square
$41,934

Four cost mechanisms every US independent auto shop pays for.

  1. Large-ticket markup amplification

    Flat-rate US processing charges a fixed percentage on every card regardless of ticket size. On a $50 oil change, 2.6 percent plus $0.15 is $1.45. On a $2,500 brake job, it is $65.15. On a $6,000 collision-related job, it is $156.15. The percentage is constant; the dollars scale with the ticket. The absolute-dollar gap on a large-ticket credit swipe is where the largest single savings live.

  2. Fleet card processing

    US fleet cards (WEX, Voyager, Wright Express, Fuelman) route through specialized fleet networks with their own interchange schedules. Standard US processing contracts often quietly mark up fleet card volume above standard credit interchange. Payzium's boarding conversation covers the fleet-card processing terms plainly on the application before boarding; there is no separately marked-up fleet-card fee on Program A.

  3. Insurance-paid billing lands as card-not-present

    Insurance-paid collision work and estimator-driven billing typically arrive as keyed transactions or online-portal transactions. Both are card-not-present at the interchange level and price above card-present at the same card. Insurance-heavy shops see the largest share of monthly volume flow through the CNP margin, which is where the delta against a flat-rate 3.3 percent CNP rate is widest.

  4. Solo-bay statement noise

    Standard US processor contracts on lower-volume shops accrete monthly minimums, statement fees, and PCI line items that compound into an effective-rate premium above the quoted card rate. The Honest Rate Promise refunds any Payzium-controlled fee not on the pricing schedule.

    Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.

Three US shops. Three switches.

  • Kansas City, MO$75,000 per month

    General auto repair, 4 bays

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $10,164
    Kept a year
  • Detroit, MI$180,000 per month

    Collision and body work

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $25,140
    Kept a year
  • Salt Lake City, UT$45,000 average per month

    Tire shop with seasonal spike

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $6,072
    Kept a year

Illustrative composite. Numbers reflect Payzium's published rates and typical shops card mix at the stated volumes. Not a real customer case.

See your cost before you switch.

You find out what you are really paying before you commit to anything. No phone calls required.

  1. Within 1 business day

    Find out what you are really paying

    Send one month's statement as a PDF or a photo. Within 1 business day a person shows you, line by line, where your money goes.

  2. Before you sign

    Know your cost before you sign

    Your pricing program and your device are confirmed in writing first, so there is nothing to discover later.

  3. Every business day after

    Start selling, with the switch paid for

    Your terminal arrives ready to go, and up to US$1,000 covers the cost of switching. From then on, today's sales land tomorrow.

Board on the pricing program that fits the shop. If your shop-management software supports open payment integration (most US platforms do), Program A drops in behind it. Fleet-heavy shops or insurance-paid billing setups take an extra pass on the application; the boarding conversation covers the timeline.

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FAQ

Frequently asked questions

My tickets are large. Does interchange-plus actually beat the flat rate at my size?

Yes, and the gap widens in absolute dollars as the ticket grows. A flat-rate processor charges a fixed percentage regardless of the underlying interchange cost. Card-present credit interchange in the US typically sits between 1.6 and 1.8 percent at pass-through. The delta between the flat rate and the pass-through cost stacks across every large-ticket swipe.

What about fleet cards?

US fleet cards route through specialized fleet networks with their own interchange schedules. The boarding conversation covers the fleet-network side plainly.

Will I have to change my shop-management software?

Most US shop-management platforms support processor integration through open payment APIs. Bundled-payments platforms lock payments contractually; the boarding conversation covers the switching option in each case.

What about insurance-paid collision work that arrives keyed from the insurer?

Keyed insurance-paid transactions are card-not-present at the interchange level. Insurance billing that arrives in batches settles on standard next-business-day terms.

How fast can I go live?

Standard shop, standard state, clean documents: boarded to processing within a business week. Heavy fleet-card volume or insurance-paid billing setups need extra verification time; the boarding conversation covers the timeline.

What is Pay less or it's free?

Payzium's US Savings Guarantee. If Payzium cannot lower the merchant's eligible processing cost against the merchant's prior baseline over the guarantee period, Payzium refunds or waives the Payzium fees covered by the guarantee. Approved eligible switching costs are reimbursed up to US$1,000. Requires documentation and approval. The written instrument is the governing document.

Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.

Your rate, on your numbers. See it, then decide.

Run the calculator with your monthly volume. Read the published rate card. Then apply. No commissioned rep will call.

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