Find out what your auto repair shop pays in credit card processing fees and how interchange-plus pricing can reduce your costs.
Auto repair shops have higher average transaction sizes ($200 to $2,000+), which means even small rate differences create significant dollar savings. The gap between flat-rate and interchange-plus pricing is especially wide for shops with many debit card transactions.
| Pricing Model | Effective Rate Range | Per-Transaction Fee |
|---|---|---|
| Flat-rate processors | 2.6% - 3.5% | $0.10 - $0.30 |
| Tiered pricing | 2.0% - 2.7% | $0.10 - $0.25 |
| Interchange-plus pricing | 1.4% - 1.9% | $0.05 - $0.15 |
On a $1,500 engine repair paid by credit card, the difference between 2.9% flat rate ($43.50) and 1.6% interchange-plus ($24.00) is $19.50 on a single transaction. For details on interchange, see our interchange fees explained guide.
Auto repair businesses face specific fee traps that other industries do not encounter as frequently:
Review our processing fees guide for a complete breakdown.
| Monthly Volume | Effective Rate | Monthly Fees |
|---|---|---|
| $20,000 | 2.6% | $520 |
| $60,000 | 2.6% | $1,560 |
| $120,000 | 2.6% | $3,120 |
| Monthly Volume | Estimated Fees | Monthly Savings |
|---|---|---|
| $20,000 | $300 | $220 |
| $60,000 | $900 | $660 |
| $120,000 | $1,800 | $1,320 |
A mid-size shop processing $60,000 per month saves approximately $660 per month or $7,920 per year. Multi-bay and fleet service operations can save over $15,000 annually.
Enter your monthly processing volume and current rate to see your potential savings.
Calculate My FeesUpload a recent merchant statement and we will analyze it line by line. The analysis is free, takes less than 24 hours, and comes with no obligation. We work with auto repair shops, body shops, tire centers, and fleet service operations.