Auto Repair & Service
Big tickets deserve a rate that was actually negotiated.
Repair shops, tire stores, transmission and detail shops. A $2,400 ticket at the wrong rate costs you more than a whole day of labor.
- No contracts or cancellation fees
- Free terminal or POS placement
- 24/7 human support
- Approvals in 24–48 hours
What we actually fix
The four problems we hear from auto repair & service every week.
Large-ticket downgrades
Keyed-in and phone payments on big repair orders drop to the most expensive interchange tier. Correct setup and Level II data pull that back.
Deposits on parts
Take a card deposit when the part is ordered, then charge the balance at pickup — without storing card numbers on a sticky note.
Customers paying over the phone
A proper virtual terminal with AVS and CVV so remote payments do not turn into chargebacks you cannot win.
Cash flow on parts invoices
Next-day funding so the parts bill and the deposit are not a week apart.
Recommended setup
PAX or Dejavoo terminal plus virtual terminal
Free PAX A920 handheld for the bays and a browser-based virtual terminal for phone payments, invoicing and stored deposits. Optional integration with your shop management software.
Placed free on qualifying volume — no lease, no purchase
“Most of our tickets are over a thousand dollars and half of them get paid over the phone. Fixing how those were run saved us more than the rate change did.”
Run your numbers
Pre-loaded with typical numbers for your industry.
Change them to match your business. The math is transparent interchange-plus and the result is an estimate, not a quote.
Savings estimator
What are you actually paying to accept cards?
Four inputs. Transparent interchange-plus math, shown line by line. No email required to see the number.
No statement handy? We assume 3.05% — the blended rate we see most often on flat-rate and bundled accounts.
Estimated savings
37% lower$198/ month
$2,374 a year
- What you pay today
- $2,288/mo
- Estimated Terrab cost(1.93% effective)
- $1,451/mo
- With cash discount (0.03% effective)
- $2,263/mo saved
Interchange-plus model: interchange 1.80% + $0.10 per item, plus a 0.05% + $0.05 markup and a $39.99 monthly service fee, disclosed up front and never changed without notice. This is an estimate, not a quote — your real number depends on your card mix and comes from your statement.
Accounts placed through our processor and banking network
Free statement analysis
Get auto repair & service pricing in writing.
One recent statement is all we need. No contract, no obligation, and you keep the analysis either way.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Common questions
Interchange is the non-negotiable fee the card-issuing bank charges on every transaction — roughly 1.5% to 2.2% plus a per-item fee depending on the card and how it is run. Nobody can discount interchange. What an agent controls is the markup on top of it. We quote interchange-plus so you can see the markup as its own line instead of one blended number that hides it.
Other industries we serve