Pass card costs on large tickets, by the rules

Typical tickets for new car dealerships run $500 deposits to $10,000+ down payments. Where it's allowed, a compliant surcharge offsets card costs on the larger ones. A surcharge adds a disclosed fee to credit card payments only. Visa caps it at 3% or your cost of acceptance, whichever is lower, and some states ban or cap it.
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Payment solutions for new car dealerships

How each solution supports new car dealerships

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

Merchant Account

For new car dealerships: Arrange a processing account for vehicle deposits, service charges and accessories, with checkout methods matched to how customers pay. Set limits for vehicle deposits and down payments. A dedicated merchant account gives you custom pricing and processing limits set during underwriting. Roots uses it when Square isn't the right fit.
  • Statement review and a pricing quote
  • Underwriting and application support
  • A named support contact after go-live
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Text to Pay

For new car dealerships: Send a payment request for vehicle deposits, service charges and accessories by text so customers can pay against a specific order or invoice. Text service customers a pay link so pickup is instant. 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 dealer management system (DMS)
  • Report on paid and unpaid requests
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Custom Payment Integration

For new car dealerships: 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 DMS 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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ACH Payments

For new car dealerships: Offer bank-account payments for vehicle deposits, service charges and accessories, with authorization and invoice matching built into the workflow. Take large down payments by ACH. 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

Credit Card Surcharging

For new car dealerships: Plan credit-card surcharge disclosures for vehicle deposits, service charges and accessories, keeping eligible card payments distinct at checkout. Typical tickets for new car dealerships run $500 deposits to $10,000+ down payments. Where it's allowed, a compliant surcharge offsets card costs on the larger ones. A surcharge adds a disclosed fee to credit card payments only. Visa caps it at 3% or your cost of acceptance, whichever is lower, and some states ban or cap it.
  • Check your states and card mix before you start
  • Configure terminals, invoices and receipts
  • Provide compliant signage and invoice language

Square Point of Sale

For new car dealerships: Bring vehicle deposits, service charges and accessories into a point-of-sale workflow, with reporting organized around vehicle references, purchase deposits and service invoices. Run the parts counter or an accessory store on Square. Square Point of Sale is Square's POS app for taking payments in person, online or in the field. Roots sets up your items, services, taxes, permissions and devices so checkout is quick.
  • Choose the Square plan and hardware that fit your counter, trucks or bays
  • Import your catalog and customer list and set team permissions
  • Configure taxes, discounts, receipts and (if you use them) tips
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Square Appointments

For new car dealerships: Schedule test drives and sales consultations, collect appointment payments and keep staff calendars aligned. Let service customers book appointments online with automatic reminders. Square Appointments gives customers a booking site and sends confirmations and reminders automatically. Roots maps your services, crews and policies into it.
  • Map services, durations, buffers and travel time into Square Appointments
  • Set deposit, prepayment and cancellation policies
  • Add booking to your website and Google Business Profile
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Fleet Card Acceptance

For new car dealerships: Plan fleet-account checkout for eligible vehicle deposits, service charges and accessories, capturing vehicle or driver references for each transaction. Fleet managers route vehicles to new car dealerships that accept their fleet cards. Fleet cards require extra prompts and data at checkout. Roots sets up acceptance so fleet managers can send vehicles your way.
  • Enable fleet networks on your account
  • Configure terminal prompts
  • Help you market to local fleets
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✓

Payment approved

$2,278.03 · Visa •• 4242

Level 2/3 Processing

For new car dealerships: Include purchase-order references and itemized invoice data for business-card purchases of vehicle deposits, service charges and accessories. Commercial customers of new car dealerships often pay with purchasing or fleet cards, where enhanced data matters. When business customers pay with commercial cards, passing detailed invoice data can qualify for lower interchange. Visa's Commercial Enhanced Data Program changed the rules in 2025–2026.
  • Review your commercial card mix to see whether enhanced data pays
  • Configure line-item data from invoices
  • Monitor Visa data-quality results
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Credit Card Surcharging questions

Questions dealership owners ask about payments.
A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan the workflow for new car dealerships 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.

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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 new car dealerships solutions