Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Automotive
An automotive merchant account from PayKings gives high-risk auto businesses — dealerships, repair shops, fleets, detailing companies, auto recyclers, and transport operators — a reliable way to accept credit card payments. Traditional banks often hesitate to work with automotive merchants due to high-risk factors, so PayKings provides customized payment solutions for secure, efficient payment processing across the automotive industry.
Be approval-ready
What automotive underwriters ask for
Your terms, before you sign
$0
Setup fee for a PayKings automotive merchant account.
$17.50
Monthly fees start as low as $17.50.
Next-day
Funding options keep cash flow moving so large payments do not sit in limbo.
Apply
Getting set up
Start with the short form above and tell us about your automotive business and how you want to accept payments.
Our onboarding team reaches out and gathers what underwriting needs, such as business documents, bank statements, and any prior processing history.
We match your application with the banking partners best suited to your automotive business type and risk profile.
Once approved, we set up your payment gateway, terminals, and funding so you can begin accepting payments.
The basics
An automotive merchant account is a payment processing account that lets your auto business accept credit card, debit card, and ACH payments in person, online, and over the phone. Because automotive transactions are often high ticket with complex invoices, traditional banks frequently decline auto businesses — or approve them, then freeze funds or close the account once large payments start clearing.
Automotive merchant accounts from a high-risk specialist are underwritten differently: your application is evaluated against the actual risk profile of the automotive industry and placed with banking partners that want automotive volume. PayKings works with 20+ banking partners across high-risk processing industries, so auto businesses can get approved and keep processing without disruption.
Automotive credit card processing from PayKings is built around the way auto businesses actually get paid — at the counter, online, and over the phone — and around the large tickets that make other processors nervous.
Every auto business
PayKings sets up auto merchant accounts across the industry — from single-bay repair shops to multi-location dealer groups. Whatever you sell or service, we match you with payment processing that fits how your business runs.
Accept major credit cards for repairs, parts, and labor without hidden fees. PayKings has years of experience setting up auto repair and body shops with credit card terminals and online processing quickly — including shops that traditional banks have already turned down.
Vehicle deposits and down payments are exactly the high-ticket transactions that make traditional processors nervous. Dealership merchant accounts from PayKings are underwritten for large tickets, support card and ACH payments, and scale across multiple locations as your dealer group grows.
From single-bay detail shops to mobile detailers, accept payments at the shop, online, or from a mobile device on site. ACH support makes it simple to bill recurring invoices for membership-style wash and detail plans, while built-in invoicing and receipts keep your books straight.
Auto recycling and salvage businesses handle a mix of card, ACH, and phone payments for parts and scrap — and are often declined by mainstream banks. PayKings provides credit card payment processing for auto recycling operations, with virtual terminal support for phone orders.
Auto transport and hauling companies take large card-not-present payments booked over the phone or online — a combination most processors treat as high risk. A MOTO-capable auto merchant account with fraud protection keeps transport payments moving, and next-day funding options help with cash flow between hauls.
Fleet maintenance and management providers bill the same customers month after month. Accept cards and ACH payments for recurring service contracts, integrate invoicing and accounting, and manage payments across multiple locations — ACH is a natural fit for fleet billing and helps reduce processing fees.
Racing and motorsports businesses — performance parts, race prep shops, and event services — sell high-ticket products in person and online. PayKings matches motorsports merchants with banking partners comfortable with those ticket sizes instead of processors that balk at them.
Pricing & risk
Our automotive merchant processing services cover the full payment stack, all with transparent pricing:
There is no setup fee for a PayKings automotive merchant account, and monthly fees start as low as $17.50. Credit card processing rates, ACH fees, and chargeback costs vary with your transaction volume, payment methods, and risk profile, and we work with automotive merchants to align pricing with their business model.
Want numbers for your exact situation? Learn how to get a merchant account quote and what underwriters look at when pricing an automotive account.
The automotive industry involves higher ticket transactions, complex invoices, and longer payment timelines — factors that raise fraud risk and chargeback exposure in the eyes of banks. Traditional processors often respond with fund holds, sudden account closures, or outright declines, leaving auto businesses without a way to accept payments.
PayKings approaches that risk differently. With 20+ banking partners, we place your business with acquirers that understand automotive transactions, then add chargeback prevention and 3D Secure fraud protection to help keep dispute ratios in check. New to disputes? Our guide to how chargebacks work explains the process and how to respond.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
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