Buy Here Pay Here Payment Collection Software
Our Buy Here Pay Here payment collection software helps car dealerships automate customer payments through ACH bank drafts, recurring billing, card-on-file payments, text-to-pay, and payment reminders.
Automotive SmartPay simplifies financing collections while helping dealerships reduce missed payments and improve cash flow.
Offering Buy Here Pay Here in-house financing helps used car dealerships sell more vehicles and serve customers who may not qualify for traditional financing.
Cost of ACH Payments
ACH Pay $1.50 per item and only 0.5%.
EX: $500 charge X 0.5% = $2.50 + $1.50 = $4 total.
Whether your dealership collects payments weekly, bi-weekly, or monthly, our Automotive SmartPay platform helps streamline the collection process for both staff and customers.
Selling Cars Is Easy. Collecting Payments Is Hard.
Most Buy Here Pay Here dealerships quickly discover that selling vehicles is only part of the business.
The real challenge often comes after the sale when staff members spend valuable time:
- Tracking payment schedules
- Calling customers about upcoming payments
- Processing payments manually
- Following up on missed payments
- Updating customer payment information
- Managing recurring collections
Automotive SmartPay helps reduce manual collection efforts by automating much of the payment process while providing dealerships with tools to track and manage customer payments more efficiently.
Offer Buy Here Pay Here Financing Without Expensive BHPH Software
Many dealerships want to offer in-house financing but may not need a complex Buy Here Pay Here dealer management system that requires extensive setup, training, and monthly software costs.
Automotive SmartPay focuses specifically on the payment collection side of Buy Here Pay Here financing.
Our platform allows dealerships to:
- Collect ACH payments automatically
- Store payment methods securely
- Schedule recurring payments
- Send Text-to-Pay requests
- Manage customer payment profiles
- Track payment activity
- Reduce manual collection efforts
This allows dealerships to create a more streamlined financing program without adding unnecessary complexity.
Buy Here Pay Here Payment Collection Software
Automotive SmartPay provides dealerships with the tools needed to automate customer payment collection throughout the life of the financing agreement.
Core Features Include
| Feature | Benefit |
|---|---|
| ACH Pay-by-Bank | Automated checking account payments |
| Recurring Billing | Scheduled weekly or monthly payments |
| Card-on-File | Securely store customer payment methods |
| Text-to-Pay | Send payment links by text message |
| Payment Reminders | Reduce missed payments |
| Customer Vault | Secure payment storage |
| Reporting Dashboard | Track payment activity |
| Mobile Payments | Accept payments from anywhere |
ACH Payments Are Popular With Buy Here Pay Here Dealerships
Many dealerships prefer ACH payments because they allow authorized payments to be drafted directly from a customer’s checking account according to an agreed payment schedule.
Benefits of ACH payments often include:
- Consistent payment collection
- Reduced collection calls
- Scheduled payment automation
- Improved cash flow visibility
- Lower processing costs than many card transactions
- Convenient customer payment experience
Customers appreciate the simplicity of automatic payments, while dealerships benefit from a more predictable collection process.
Collect Weekly, Bi-Weekly, Semi-Monthly, or Monthly Payments
No two Buy Here Pay Here programs operate exactly the same way.
Automotive SmartPay supports multiple recurring payment schedules including:
- Weekly vehicle payments
- Bi-weekly vehicle payments
- Semi-monthly vehicle payments
- Monthly vehicle payments
Dealerships can create payment schedules that align with customer pay cycles and financing agreements.
Securely Store Customer Payment Methods
Automotive SmartPay allows dealerships to securely store customer payment methods for future transactions.
Accepted payment methods include:
- ACH bank accounts
- Checking accounts
- Savings accounts
- Debit cards
- Credit cards
Payment information is stored in a secure payment vault rather than on dealership computers or paper records, helping improve both security and convenience.
Text-to-Pay Helps Recover Missed Payments
When a scheduled payment fails or a customer misses a payment, dealership staff can quickly send a secure Text-to-Pay link.
Customers can complete payments directly from their mobile device without needing to visit the dealership or call the office.
Text-to-Pay can help:
- Improve payment response times
- Reduce collection calls
- Increase customer convenience
- Accelerate payment recovery
Improve Cash Flow With Automated Payment Collection
Consistent payment collection is critical to the success of any Buy Here Pay Here financing program.
Automating recurring payments helps dealerships:
- Improve payment consistency
- Reduce administrative workload
- Spend less time collecting payments
- Improve cash flow predictability
- Focus more time on vehicle sales and customer service
The result is a more efficient financing operation with fewer manual collection tasks.
Text-to-Pay Links Included
Get Automotive SmartPay In-House Financing In 15 Minutes
Automotive SmartPay provides payment technology designed specifically for automotive businesses.
Benefits Include
✓ ACH Pay-by-Bank
✓ Buy Here Pay Here Payment Collection
✓ Recurring Billing
✓ Card-on-File Payments
✓ Text-to-Pay
✓ Payment Reminders
✓ Secure Customer Vault
✓ Mobile Payment Acceptance
✓ Next-Morning Funding Available
✓ No Long-Term Contracts
✓ Local & Corporate Support
Call or text Greg Kapitan at 801-205-1955 to get started today.
Buy Here Pay Here Payment Collection Software FAQs
What is Buy Here Pay Here payment collection software?
Buy Here Pay Here payment collection software helps dealerships automate customer vehicle payments through ACH bank drafts, recurring billing, card-on-file payments, and payment reminders. The goal is to simplify collections, reduce missed payments, and create a more efficient financing process.
Can dealerships automatically collect vehicle payments?
Yes. Automotive SmartPay allows dealerships to schedule recurring payments through ACH bank accounts, debit cards, or credit cards. Payments can be collected weekly, bi-weekly, semi-monthly, or monthly according to the customer’s financing agreement.
Why do Buy Here Pay Here dealerships use ACH payments?
ACH payments allow dealerships to draft authorized customer bank accounts automatically on scheduled payment dates. This can reduce manual collection efforts, improve payment consistency, and create a more predictable cash flow for the dealership.
Can customers store a payment method on file?
Yes. Customers can authorize secure storage of ACH bank accounts, debit cards, or credit cards for future recurring payments. Payment information is stored in a secure payment vault rather than on dealership computers.
What happens if a customer misses a payment?
Dealership staff can quickly identify failed or missed payments through reporting tools and send secure Text-to-Pay requests. This allows customers to complete payments directly from their mobile devices without visiting the dealership.
Does Automotive SmartPay replace Buy Here Pay Here software?
Automotive SmartPay focuses primarily on payment collection and recurring billing rather than dealership inventory management. Many dealerships use Automotive SmartPay alongside their existing dealership management or financing systems to simplify payment collection.
Can customers set up Auto Pay when purchasing a vehicle?
Yes. Auto Pay can be established at the time of vehicle purchase by securely storing the customer’s ACH bank account, debit card, or credit card information for recurring payments. Automotive SmartPay can also send a secure enrollment link by text message, allowing customers to set up and authorize Auto Pay from their smartphone at a later time. This flexibility helps dealerships simplify onboarding while making payment setup more convenient for customers.
Can dealerships send payment reminders before scheduled Auto Pay transactions?
Yes. Automotive SmartPay allows dealerships to customize customer notifications before a scheduled Auto Pay transaction is processed. Dealers can choose reminder timeframes based on their preferences, helping customers prepare for upcoming payments and reducing the likelihood of failed transactions. Automated notifications can improve communication, enhance the customer experience, and support more successful recurring payment collections.