Merchant Account & Payments

Buy-here-pay-here dealers finance vehicles in house and collect weekly or monthly payments.
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Payment solutions for buy-here-pay-here dealers

How these solutions fit buy-here-pay-here dealers

See what each option adds to the way your business takes and tracks payments.

Recurring Billing

For buy-here-pay-here dealers: Schedule and manage payments for maintenance plans and recurring fleet charges, including renewals and customer account balances. Autopay weekly or biweekly installments by debit card or ACH. Recurring billing charges a saved card or bank account on a schedule, with retries when a payment fails.
  • Design plan structures and billing dates
  • Set up clear authorization and cancellation terms
  • Import existing autopay customers where permitted
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ACH Payments

For buy-here-pay-here dealers: Offer bank-account payments for vehicle deposits, service charges and accessories, with authorization and invoice matching built into the workflow. Typical tickets for buy-here-pay-here dealers run $50 to $500 per payment. On the larger ones, ACH costs far less than a card. ACH moves money straight from the customer's bank account, which usually costs far less than a card on a large invoice.
  • Set up ACH on invoices and payment pages
  • Write authorization language
  • Explain return and settlement timing
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Transfer initiated

$2,129.00 · ref ACH-7731

Text to Pay

For buy-here-pay-here dealers: Send a payment request for vehicle deposits, service charges and accessories by text so customers can pay against a specific order or invoice. Text payment reminders with a pay link on due dates. Text-to-pay sends a secure payment link by SMS so the customer pays from their phone instead of reading a card number over the phone.
  • Set up message templates and consent
  • Connect links to your invoices or BHPH loan servicing software
  • Report on paid and unpaid requests
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Merchant Account

For buy-here-pay-here dealers: Arrange a processing account for vehicle deposits, service charges and accessories, with checkout methods matched to how customers pay. Get a merchant account set up for loan-payment acceptance. A dedicated merchant account gives you custom pricing and processing limits set during underwriting.
  • Statement review and a pricing quote
  • Underwriting and application support
  • A named support contact after go-live
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Custom Payment Integration

For buy-here-pay-here dealers: Connect the payment flow for vehicle deposits, service charges and accessories with your software and the operational records behind vehicle references, purchase deposits and service invoices. Post payments to your loan servicing software automatically. Roots builds integrations that tie payments to the software you run your business on.
  • Discovery and scoping
  • Build, test and launch
  • Ongoing maintenance
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High-Risk Merchant Account

For buy-here-pay-here dealers: Present your model for vehicle deposits, service charges and accessories to specialist processing partners, with product and fulfillment documentation prepared. Card networks and many processors treat buy-here-pay-here dealers as higher risk. Roots places virtually any legal business, subject to underwriting. Reserves may apply.
  • Prepare a strong application (processing history, refund policy, contracts)
  • Match you with a sponsor bank program that accepts your model
  • Ongoing chargeback-ratio monitoring
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Buy-Here-Pay-Here Dealers payment questions

Start with the workflows your business needs. Options on this page include Recurring Billing for Buy-Here-Pay-Here, ACH Payments for Buy-Here-Pay-Here, Text-to-Pay for Buy-Here-Pay-Here. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review job estimates, deposits, field payments and final invoices, then plan the changes your buy-here-pay-here dealers business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which buy-here-pay-here dealers workflows need to improve so we can scope a practical setup.

Let’s set up payments for your buy-here-pay-here dealer business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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