Auto repair shops are paying $1,650 a year more than they should.
PCI non-compliance penalties on shops that are compliant. Stacked monthly minimums on shops that hit the floor every month. Fleet cards routed to the wrong rate bucket. Your processor bets on you not noticing. The audit pulls every line and shows you what is recoverable.
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What we find auditing auto repair.
- $1,650
Median annual overcharge across audited auto repair shops
- 15 to 35%
Typical overpayment range, auto repair
- $180 to $468
PCI fee paid by compliant shops per year, typical
- 4 minutes
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How it shows up in auto repair
Four overcharge patterns we find on nearly every auto-repair statement. Independent shops sit at the intersection of high-ticket transactions, fleet customers, and PCI compliance complexity. Each one is a margin lever the processor hopes you do not test.
- 01
What is the PCI non-compliance fee on my statement?
PCI fees ($15 to $39 per month) are charged when you fail to certify PCI DSS compliance. Many shops are technically compliant but never returned the self-assessment form. The fee accrues monthly until corrected, often retroactively recoverable. Returning the form takes 20 minutes. The audit identifies whether you have been overpaying.
- 02
Why am I being charged a monthly minimum?
Monthly minimums require a floor of processing volume each month or the difference is charged as a fee. Independent shops with under $8,000 in monthly card volume often hit this floor and pay $25 to $50 per month for not processing 'enough.' The fee shows up labeled as a maintenance or service charge, not as a minimum.
- 03
Are parts and labor charged different processing rates?
Most shops process the entire ticket as one transaction. Some processors apply mid-qualified or non-qualified rates to large-ticket transactions, padding margin on bigger jobs. The audit reviews your transaction-size distribution against the rates you were charged and flags systematic markup on larger work orders.
- 04
Are fleet cards processed correctly?
Fleet cards (commercial, government, corporate) carry distinct interchange categories and require correct merchant coding to be rated properly. Mis-coded fleet transactions land at higher commercial-card rates. Shops servicing local government or corporate fleets pay this markup on every fleet ticket. The audit checks coding and flags every misroute.
Audit findings across auto repair shops.
Three illustrative composite audits drawn from the structural patterns we surface in this vertical. Specific savings figures reflect the median range of recoverable processing overcharges.
- Phoenix AZ2-bay independent repair shop$22,000/month
PCI non-compliance penalty for 18 months (recoverable): $33/mo
$2,952Saved annually - Knoxville TNTire and alignment shop$11,000/month
Stacked monthly minimum fees across 6 slow months: $50/mo
$1,320Saved annually - Albany NY4-bay general repair shop$26,000/month
Fleet card transactions mis-coded at commercial-card rate: $96/mo
$1,740Saved annually
Illustrative composite. Drawn from structural patterns Payzium audits surface. Not a real customer case.
Built to help you read your own statement.
Find your number.
Upload your most recent processing statement. We read every line, benchmark you against auto repair shops we have audited, and send a written report by email. If we cannot lower your costs, we pay you $500.
Three steps. Roughly four minutes total.
- Step 1
Upload your statement
PDF, PNG, or JPG. Most merchants take less than 2 minutes.
- Step 2
Tell us about your business
60 seconds. Business name, role, monthly volume range, contact info.
- Step 3
Get your written report
24-48 hours. Delivered by email. Yours regardless of whether you switch.
Free. No phone calls. No fine print.