Pass card costs on large tickets, by the rules

Typical tickets for fleet and diesel repair shops run $500 to $25,000. 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.
Talk to an auto shop payments specialistAll fleet & diesel repair solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for fleet & diesel repair

How each solution supports fleet & diesel repair

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

Level 2/3 Processing

For fleet & diesel repair: Include purchase-order references and itemized invoice data for business-card purchases of vehicle repairs, service visits and parts. Pass PO and line-item data on commercial card payments for lower Visa Product 3 rates. 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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Fleet Card Acceptance

For fleet & diesel repair: Plan fleet-account checkout for eligible vehicle repairs, service visits and parts, capturing vehicle or driver references for each transaction. Fleet managers route vehicles to fleet and diesel repair shops 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

$656.97 · Visa •• 4242

ACH Payments

For fleet & diesel repair: Offer bank-account payments for vehicle repairs, service visits and parts, with authorization and invoice matching built into the workflow. Bill fleet accounts on ACH terms. 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

$613.99 · ref ACH-7731

Square Invoices

For fleet & diesel repair: Send itemized invoices for vehicle repairs, service visits and parts and track deposits, due dates and outstanding balances. Use Square Invoices for owner-operators and walk-in trucks. Square Invoices sends estimates and invoices by email, SMS or a shareable link and tracks what's paid, unpaid or overdue. Roots configures the templates, payment schedules and reminders around how you bill.
  • Build your service catalog, tax settings and branded invoice and estimate templates
  • Set up deposit and milestone schedules that match your contracts and any state limits you operate under
  • Connect Square to QuickBooks Online or Xero so paid invoices reconcile automatically
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Credit Card Surcharging

For fleet & diesel repair: Plan credit-card surcharge disclosures for vehicle repairs, service visits and parts, keeping eligible card payments distinct at checkout. Typical tickets for fleet and diesel repair shops run $500 to $25,000. 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

Merchant Account

For fleet & diesel repair: Arrange a processing account for vehicle repairs, service visits and parts, with checkout methods matched to how customers pay. Typical tickets for fleet and diesel repair shops run $500 to $25,000, and a merchant account's limits and pricing can be set for that range. 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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Credit Card Surcharging questions

Questions auto shop 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 fleet & diesel repair 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 an auto shop payments specialistAll fleet & diesel repair solutions