Typical Range
Auto Repair & Service Shops typically pay 2.2%–2.9% effective rate
Auto service shops (7538), auto body repair (7531), towing (7549)
Auto Repair & Service Shops processing profile
| Typical effective rate | 2.2% – 2.9% on interchange-plus pricing |
|---|---|
| Relevant MCC codes | 7538–7549 |
| Card mix | Mixed credit/debit, but ticket size drives economics more than card mix here |
| Typical ticket size | $150–$800+ — high average tickets make this one of the verticals where surcharging or cash discounting saves real dollars per transaction |
Where auto repair & service shops margin leaks out
- ·High ticket size means even a 0.3% rate difference is real money per repair order — this vertical benefits disproportionately from checking the actual number
- ·Financing/buy-now-pay-later options bundled by parts suppliers or franchise systems often carry processing costs that aren't broken out separately from the financing fee
- ·Multi-bay or multi-location shops frequently have inconsistent rates across locations from different onboarding dates
- ·Estimate deposits and final payment sometimes get processed as two separate authorizations, doubling certain per-transaction fees
Junk fees to check for on your statement
- ·PCI non-compliance fee
- ·Monthly minimum fee
- ·Batch fee
- ·High-ticket transaction surcharge from some processors on repair-order-sized tickets
- ·Statement fee
Cash discount & surcharge programs
Surcharging is common in this vertical given ticket size — check your state's rules in our surcharge law guide before implementing.
Common questions
What do auto repair & service shops typically pay for credit card processing?
On interchange-plus pricing, auto repair & service shops typically run a 2.2%–2.9% effective rate, depending on card mix and ticket size. Mixed credit/debit, but ticket size drives economics more than card mix here
What junk fees should auto repair & service shops watch for on their statement?
Common ones in this vertical include PCI non-compliance fee, Monthly minimum fee, Batch fee, High-ticket transaction surcharge from some processors on repair-order-sized tickets, and Statement fee. None of these are required by card networks — they're processor-added.
Is a cash discount or surcharge program a good fit for this vertical?
Surcharging is common in this vertical given ticket size — check your state's rules in our surcharge law guide before implementing.
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More fee guides
Rate ranges reflect typical interchange-plus pricing based on industry-standard interchange categories for this business type. Your actual rate depends on your specific card mix, ticket size, and processor. This is not a quote or guarantee — use the calculator above for a figure specific to your business.