Repair shops, detailing & tire
Auto repair runs on estimates, change orders, and customers who drop their car off in the morning and pick it up after you close. The right processor lets you authorize a $1,200 estimate at 8 AM and capture the actual $1,438 at 6 PM without a re-auth fee — and lets you take payment over the phone, by link, or at the counter. Xray builds auto shop accounts that handle the realities.
Why generic processing fails Auto Services.
Estimates that change
Customer approves $800 in the morning. Mechanic finds a bad alternator at noon. You need $1,150 — and most terminals charge you to re-auth.
Customer picking up at 7 PM
You close at 6. The car's ready. They're stuck without their car overnight unless you have a payment workflow that doesn't require them to be in front of you.
Fleet customers on net-30
Local fleet pays $3K/month, but you need their card on file for the next emergency tow — and a clean way to invoice for AP.
Parts pricebook drift
AutoZone changed pricing on Monday. Your POS shows last month's price. Margin disappears.
What Xray actually configures for Auto Services.
Auth + incremental capture
Authorize $1 to verify the card; capture the actual total once the work's done. Adjust without a re-auth; no downgrade interchange penalty.
Pay-by-link via SMS or email
Send the customer a secure payment link from the shop management system. They pay from their phone; the car gets released by the gate code.
Fleet card-on-file with monthly statement
Fleet customer's card stored as a token; one consolidated monthly invoice; auto-charge on the 30th.
Live parts pricebook integration
Mitchell1, ShopWare, Tekmetric pricing flows into your POS in real time. No margin surprises.
The terminals we ship for Auto Services.
Every device pre-configured for your account, menu, and tip prompts before it ships.
Clover Flex
Tablet-class handheld — perfect for the service writer to use at the counter or curbside.
Valor VP800
Bigger Android tablet for the front desk; integrates with Mitchell1 / ShopWare via Clover-style APIs.
PAX A920 PRO
For mobile mechanics and detailers who service customers at their location.
Dejavoo iPOSgo!
Tap-to-phone option for mobile detailers and small ops — zero hardware.
Programs we run
Configured on your account before activation.
- Authorize + incremental capture (estimates that change)
- Pay-by-link for after-hours pickup
- Surcharge on credit cards (debit pays the cheap rate)
- Fleet billing — card-on-file + monthly invoice
- Recurring billing for service contracts (preventive maintenance)
Software & integrations
Bidirectional, real-time wherever supported.
- Mitchell1 ProDemand / Manager SE
- ShopWare
- Tekmetric
- AutoLeap
- Identifix / ALLDATA
- QuickBooks Online for monthly close
Features tuned for Auto Services.
What it looks like on a Tuesday.
Tuesday morning: customer drops off a 2019 Subaru, gets a $1,150 estimate. Service writer auths $1 on the customer's card to verify. Job grows to $1,438 when they find a brake issue — customer approves over text. At 5:45 PM the car's ready but the customer is still at work. Service writer sends a Pay-by-Link via SMS. Customer pays at 7:15 PM from their phone; gate code auto-texts. Friday, fleet customer "Lopez Construction" gets the consolidated invoice for the week ($4,200 across 6 vehicles) — auto-charged on the 30th.
Why generic processors fall short.
Most processors auth your estimates and then charge you when the actual job is higher (or lower) — they call it a "tip adjustment fee" or downgrade you to non-qualified. They don't understand fleet billing, can't integrate with Mitchell1, and force you to manually invoice for AP customers. We handle all of it natively.
The actual math.
A 4-bay shop doing $1.4M/year, ~2,600 invoices, at flat-rate 2.6% pays roughly $36,400 in fees. We routinely take that to $28,000 — saving $8K/year. Pay-by-link recaptures 5-12% of "couldn't reach customer to take payment" lost revenue.
Auto Services questions, straight answers.
Do you integrate with Mitchell1?
Yes — for ProDemand and Manager SE, payments flow through our terminal but estimates and invoices live in Mitchell1.
Can I take a deposit on the estimate?
Yes — capture 50% on approval, balance on pickup. Pre-auth or full capture; your choice.
What about high-ticket transactions?
No artificial limits — we underwrite to your real ticket size. A $5,000 transmission job goes through clean.
How does pay-by-link work?
You send a unique URL via SMS or email from the shop management system. Customer pays on their phone. Funds settle the next business day.
