Buy-here-pay-here lots and used auto dealers are classified high-risk due to large ticket sizes, installment payment structures, and chargeback exposure from unhappy buyers. Standard processors won't approve you — or they'll terminate you after the first large transaction. We specialize in dealer processing.
BHPH lots run large tickets — $5,000 to $20,000 per vehicle. Down payments, weekly or monthly installment payments, and the occasional chargeback when a customer disputes a sale. Most processors see this pattern and flag or close the account. Our acquiring partners are built for it.
Yes — we set up BHPH dealers with the ability to run weekly and monthly installment payments on cards. This is one of our most common high-risk setups.
We can integrate Authorize.net or CardConnect so your customers can pay their weekly installment online — no need to come to the lot.
We advise all auto dealer clients on best practices — signed purchase agreements, odometer disclosures, as-is documentation — that significantly reduce chargeback risk and win rates.
No application fee. No obligation. We'll review your situation and respond within 24 hours.