Big tickets make every basis point visible. On a $2,500 job, a full percentage point of markup is $25 that walks out the door.
Program A charges 0.30 percent card-present, plus card-network interchange and assessments at cost, plus a $5 monthly account fee. On a typical four-bay shop processing $60,000 a month, Payzium USA runs meaningfully below a flat-rate account. Written on the pricing schedule.
- 0.30% + interchange, in writing
- Pay less or it's free
- Honest Rate Promise
- No junk fees
A US shop on Payzium at typical volumes.
- $436/mo
$25,000 monthly volume. About $2,870 a year less than Square USA.
- $1,039/mo
$60,000 monthly volume. About $6,973 a year less than Square USA.
- $2,037/mo
$120,000 monthly volume. About $14,438 a year less than Square USA.
- $5,085/mo
$300,000 monthly volume. About $36,185 a year less than Square USA.
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.
Four cost mechanisms every US independent auto shop pays for.
- 01
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. Program A charges 0.30 percent card-present plus the actual credit-card interchange (typically 1.6 to 1.8 percent at pass-through). The absolute-dollar gap on a large-ticket credit swipe is where the largest single savings live.
- 02
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.
- 03
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. Program A charges 0.40 percent on the Payzium side of card-not-present, plus the actual CNP interchange. 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.
- 04
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. Payzium's US-controlled billing on the shop is the $5 monthly account fee, plus per-transaction fees, plus margin. The Honest Rate Promise refunds any Payzium-controlled fee not on the pricing schedule.
Three US shops. Three switches.
- Kansas City, MOGeneral auto repair, 4 bays$75,000 per month
On Square USA Free plan card-present at 2.6 percent plus $0.15. Paying roughly $2,155 per month on processing.
On Payzium Program A at 0.30 percent plus interchange. Paying roughly $832 per month.
$15,876Lower annually - Detroit, MICollision and body work$180,000 per month, insurance-paid heavy
On Square USA at roughly 2.85 percent blended (insurance-paid CNP mix). Paying roughly $5,130 per month on processing.
On Payzium Program A at 0.30 to 0.40 percent plus interchange. Paying roughly $1,972 per month.
$37,896Lower annually - Salt Lake City, UTTire shop with seasonal spike$45,000 average per month
On Square USA Free plan card-present at 2.6 percent plus $0.15. Paying roughly $1,305 per month on processing.
On Payzium Program A at 0.30 percent plus interchange. Paying roughly $517 per month.
$9,456Lower annually
Illustrative composite. Numbers reflect Payzium's published rates and typical shops card mix at the stated volumes. Not a real customer case.
The same published rate, however you sign up.
- Step 1
Tell us about your auto repair
Business name, role, monthly volume, your POS.
- Step 2
Boarding conversation
We confirm the pricing program and the qualifying device on the account before you sign.
- Step 3
Sign and go live
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.
No phone calls required. Rates are on /us/pricing.