Service and parts drive 50% of your gross profit at 45–55% margins. Processing fees are quietly eroding that advantage across every RO, every parts ticket, every F&I transaction. Cash discounting eliminates them.
The average dealership sits at 64% absorption. Every dollar leaking to credit card processors is a dollar that could be pushing you closer to covering overhead with fixed ops alone — turning every vehicle sale into pure profit.
Fixed ops contributes half your dealership's total gross profit — often more in compressed-margin markets.
Your highest-margin department. Labor alone can hit 70%+ gross margin. Every fee dollar hurts more here.
Cash discounting eliminates the fee entirely. Every dollar stays in your fixed ops P&L.
Processing fees don't just hit one counter. They compound across service, parts, and F&I — and most dealerships don't track them separately.
Your biggest card volume. Oil changes, brake jobs, transmission work, warranty deductibles — all running through the card reader at the service cashier.
Retail walk-ins, wholesale accounts, internal parts sales. High-frequency, moderate-ticket transactions that add up fast.
Down payments on vehicle purchases, extended warranty payments, GAP insurance — large single transactions with the biggest per-swipe fee hit.
Combined: $54,000–$72,000+ per year walking out the door.
Enter your total monthly card volume across service, parts, and F&I.
Based on 3–4% effective rate across all card-accepting departments.
5-minute application. Most dealerships approved within 24 hours.
Pre-configured Clover terminals shipped for your service cashier, parts counter, and F&I desk. All on one account with consolidated reporting.
Each terminal automatically applies cash discounts. Processing fees go to zero across service, parts, and F&I. You track it all from one dashboard.
"We tracked our processing fees for the first time and it was over $6K a month across service and parts. Switched to EmeraldPay and that line item is gone. We're using the savings to fund an express lube lane."
"My service director was worried about customer pushback. Three months in, we've had maybe two comments. Meanwhile we've recovered almost $20K. That money went straight to the bottom line."
"We put terminals at the service cashier, parts counter, and F&I. One account, one dashboard, total visibility. My controller loves the consolidated reporting."
This is the first thing every dealer principal asks. Here's the reality from dealerships already running it.
The gas station across from your lot already does this. So does the auto parts store, the convenience store, and the restaurant your service customers eat at while they wait. Cash discounting isn't new to your customers — it's only new to your service lane.
Your posted prices stay exactly the same. Card customers pay what they've always paid. Cash customers get a small discount. If a customer pushes back, your cashier processes the card at the normal posted price. No one is charged more than they would have been last month.
The things that drive CSI — wait times, communication, repair quality, loaner availability — have nothing to do with how payment is processed. Dealerships running cash discounting report no measurable change in satisfaction scores.
This isn't an upsell. The terminal handles the discount calculation automatically. Your advisors and cashiers don't pitch anything — the signage and receipt do the explaining.
Professional hardware that fits every counter in your dealership. Real integrations with tools your teams already use.
This isn't marketing money. It's bottom-line recovery that drops straight to net profit.
Every dollar recovered in fixed ops gross profit is a dollar closer to covering all dealership overhead with service and parts alone. That's the goal — making every vehicle sale pure incremental profit.
Fund an express lane, an additional lift, or another A-tech. More throughput means more ROs means more gross — without the fee drag.
Renovate the service lounge, add a shuttle, invest in loaner fleet. The things that actually move CSI scores and retention — funded by money you were already earning.
Processing fees are a fixed ops expense that's been hiding in plain sight. Eliminating them improves your department's net-to-gross ratio immediately.
Yes — legal in all 50 states. Surcharging adds a penalty to credit card transactions and is restricted in some states. Cash discounting offers a reward for paying cash, with your posted price as the card price. No state-by-state restrictions, no card brand registration requirements.
Every department that accepts cards — service cashier, parts counter, F&I desk, body shop. You deploy a terminal at each counter, all on one account with consolidated reporting. Most dealerships see the biggest impact in service and parts where card volume is highest.
No. The Clover terminal handles payment processing independently. It doesn't need to integrate with your DMS — it operates alongside it. Your DMS continues to manage ROs, inventory, and accounting as it always has.
Most dealerships are live within 48–72 hours of approval. We ship pre-configured terminals for each department. You plug in and start processing.
We'll walk you through pricing and terms during the application process. Everything is straightforward — no hidden fees.
Yes. Each terminal reports independently, and you can view consolidated or per-device reporting from the Clover dashboard. Your controller or office manager can access it from any browser.
Book a free 15-minute call with Chris. He works with dealerships and can run through your specific volume, department mix, and projected savings. No pitch — just math.
Apply in 5 minutes. Most dealerships are approved within 24 hours and live within the week.