Deposits and balances off card rails, finance payouts reconciled
A vehicle sale is a handful of large payments: a deposit to hold the car, a balance on collection, a finance payout from a lender, and the dealer's own stock funding going out. On cards the fees on those sums are painful, and the reconciliation across them is manual.
Large sums, several directions
A deposit holds the car and a balance clears on collection, both large enough that a percentage card fee is a number the sales manager notices on every deal.
Where the customer takes finance, the payout comes in from a lender and has to reconcile against the specific vehicle and deal, not just land as a credit.
The dealer's own money goes out too, funding stock and paying suppliers, and tying all of these to the right vehicle is a manual job across different accounts.
The payment mix that fits
Not one rail. The two to four that match how money actually moves here.
Take deposits and balances over a bank link, avoiding card fees on large payments and settling instantly.
Receive and reconcile finance payouts, pay for stock and issue refunds, referenced to the vehicle.
Collect service plans and add-on products on a mandate over their term.
Your flow of funds, orchestrated
A deposit is taken over Pay by Bank to hold the car, and the balance the same way on collection, avoiding card fees on large sums. A finance payout from a lender arrives over Faster Payments and reconciles against the specific vehicle and deal. Stock funding and supplier payments go out the same way, and service plans collect over Direct Debit. Every payment ties to the vehicle on one ledger, so each deal's position is clear.
Every book moves money differently. We map your flow of funds and quote one integration across the rails that fit.
Related
Payments for vehicle dealers: FAQs
Because they are large one-offs where a percentage card fee is significant, and a bank payment settles instantly with no chargeback on a high-value sale.
A lender payout arrives over Faster Payments and reconciles against the specific vehicle and deal on one ledger, rather than landing as an unmatched credit.
Yes, over Direct Debit across their term, reconciled on the same ledger as the sale payments.
Tell us how you get paid
Send us the mix of payments you take and make, and we will quote one integration across the rails that fit, priced on your volume.