Processing for businesses others turn away

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.
Talk to a dealership payments specialistAll buy-here-pay-here dealers solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for buy-here-pay-here dealers

How each solution supports 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

High-Risk Merchant Account questions

Questions dealership owners ask about payments.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for buy-here-pay-here dealers and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a dealership payments specialistAll buy-here-pay-here dealers solutions