Buy Here Pay Here Payment Collection Software
Automotive SmartPay helps Buy Here Pay Here dealerships automate customer payments with low-cost ACH bank drafts, recurring billing, card-on-file payments, text-to-pay, and payment reminders.
✔ Reduce missed payments with automated recurring billing.
✔ Collect payments automatically with low-cost ACH bank drafts.
✔ Make it easy to pay with text-to-pay and card-on-file billing.
✔ Improve cash flow with automated payment reminders.
✔ Sell more vehicles with flexible Buy Here Pay Here financing.
Simple ACH Pricing
0.5% + $1.50 per transaction
$500 Payment = Only $4.00
(0.5% + $1.50)
Help more customers get approved while simplifying payment collections with flexible Buy Here Pay Here financing.
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.
Buy Here Pay Here In-House Financing ACH Software for Used Car Dealerships
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
How much does ACH cost to collect a $250 Buy Here Pay Here payment?
Automotive SmartPay charges 0.5% plus $1.50 per ACH transaction.
Example
$250 customer payment
0.5% processing fee = $1.25
$1.50 transaction fee
Total ACH Cost: $2.75
Takeaway: Even a $250 ACH payment costs only $2.75 to process, making ACH an affordable choice for recurring Buy Here Pay Here payment collections.
How much does ACH cost to collect a $500 Buy Here Pay Here payment?
Automotive SmartPay charges 0.5% plus $1.50 per ACH transaction.
Example
$500 customer payment
0.5% processing fee = $2.50
$1.50 transaction fee
Total ACH Cost: $4.00
Takeaway: Even a $500 ACH payment costs only $4.00 to process, making ACH an excellent option for recurring Buy Here Pay Here collections.
How much does ACH cost to collect a $750 Buy Here Pay Here payment?
Automotive SmartPay charges 0.5% plus $1.50 per ACH transaction.
Example
$750 customer payment
0.5% processing fee = $3.75
$1.50 transaction fee
Total ACH Cost: $5.25
Takeaway: Even a $750 ACH payment costs only $5.25 to process, helping dealerships keep payment collection costs low while improving cash flow.
How much does ACH cost to collect a $1,000 Buy Here Pay Here payment?
Automotive SmartPay charges 0.5% plus $1.50 per ACH transaction.
Example
$1,000 customer payment
0.5% processing fee = $5.00
$1.50 transaction fee
Total ACH Cost: $6.50
Takeaway: Even a $1,000 ACH payment costs only $6.50 to process, making ACH one of the most cost-effective ways to collect recurring Buy Here Pay Here payments.
Can customers set up automatic ACH payments for their Buy Here Pay Here loan?
Yes. Automotive SmartPay allows Buy Here Pay Here dealerships to securely enroll customers in automatic ACH payments from their checking account. Weekly, bi-weekly, semi-monthly, or monthly payment schedules can be established at the time of vehicle purchase or at any point during the life of the loan. Automatic ACH payments help reduce missed payments, improve cash flow, and eliminate the need for customers to remember every due date.
Benefits include:
Automatic recurring ACH bank drafts
Weekly, bi-weekly, semi-monthly, or monthly payment schedules
Secure customer payment authorization
Fewer missed or late payments
Less collection time for dealership staff
Convenient payments directly from a customer’s checking account
Takeaway: Automatic ACH payments help Buy Here Pay Here dealerships simplify collections, improve cash flow, and provide customers with an easy, reliable way to stay current on their vehicle payments.
Is ACH less expensive than accepting credit card payments for Buy Here Pay Here collections?
In many Buy Here Pay Here dealerships, ACH payments can cost significantly less than recurring credit card payments because ACH pricing is based on a simple 0.5% fee plus $1.50 per transaction. By comparison, many dealerships pay percentage-based processing fees on credit card transactions. Depending on the card type, processor, and pricing agreement, Visa and Mastercard transactions commonly range around 2%–3% or more, while Discover and American Express often carry higher processing costs.
Real-World Example
$500 Customer Payment
ACH Payment
0.5% = $2.50
$1.50 transaction fee
Total ACH Cost: $4.00
Typical Credit Card Processing
Visa / Mastercard at 2.69% = $13.45
American Express at 3.50% = $17.50
For dealerships collecting weekly, bi-weekly, semi-monthly, or monthly payments, ACH provides predictable payment collection costs while allowing customers to conveniently pay directly from their checking account.
Takeaway: ACH can dramatically reduce the cost of collecting recurring Buy Here Pay Here payments while helping dealerships automate collections, improve cash flow, and provide customers with a simple, secure bank-to-bank payment option.
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.