What auto repair shops in Cleveland pay in card fees, and how to get some of it back.
Repair tickets are big, which makes the math brutal. An $800 job paid by card quietly costs the shop about $24. A few of those a day and your processor out-earns your parts margin.
It is the same story from Ohio City and Clark-Fulton to Waterloo. The card company takes its cut before you count a dollar. Here is what is different with us: 20% of that cut comes back. We match the credit card processing rate you pay today, and every month we send you 20% of our cut.
A typical Cleveland auto repair shop runs about $45,000 a month in cards.
| Who you use | What you pay | What comes back |
|---|---|---|
| Flat-rate reader (Square, Clover Go, Toast) | 2.9% to 3.5% and up | Nothing |
| An old-school card company plus monthly fees | 2.3% to 3.0% plus fees | Nothing |
| Pacta | Same rate you pay now | 20% of our cut, every month |
Every card company keeps a cut of your sales. We send 20% of our cut back to you, every month. We show you your exact dollar amount on the call, in writing, before you sign anything. The program costs $24.99 a month, and you still pay the card fee on refunds. One tip when you compare card companies: the rate they advertise is never the real number. Take one month, add up every fee, and divide by your card sales. That is what you really pay, and it is almost always more than the rate you were quoted.
Nothing at the counter changes.
We match your rate.
Whatever you pay today becomes your rate with us. Nothing to argue about. Most people are approved in one business day.
A free terminal shows up ready.
It arrives with your prices already in it, and a dashboard to run everything from. A person walks your staff through it.
Cash back, every month.
20% of our cut, in your bank. The first one comes about six weeks after you start. Your money lands the same business day on most accounts, and there is no contract.
Straight answers.
How much do card fees cost on a big repair ticket?
At about 3%, an $800 repair paid by card costs you about $24, a $2,000 job costs $60. A few big tickets a day and your processor out-earns your parts margin.
Can I take payments in the bay or on the go?
The Dejavoo QD4 is a countertop terminal with tap/chip/swipe; mobile options exist for shops that invoice in the lot. Ask Jacob what fits your flow.
Other trades in Cleveland
Auto Repair Shops somewhere else
See your real number.
Tell us what your auto repair shop runs on cards in a month. Fifteen minutes, and the math is yours to keep either way.