Scaler Technologies_
    [01]_SCALER PAY
    AUTO REPAIR

    Most Auto Repair Shops Pay $10,000+ a Year in Processing Fees. Scaler Pay Gets That Money Back Into Your Shop.

    A shop doing $40,000/month in card volume pays roughly $1,120/month to Square, Heartland, or whoever's running your terminal. That's one part-time employee — every month, every year, forever. Scaler Pay's cash discount program brings your processing cost to zero. Funds settle the next business day.

    Free rate check

    Get set up in 3 business days.

    Tell us about your business — we'll call you with rates and answer any questions. No commitment required.

    [02]_THE MATH

    Run the Numbers on Your Shop.

    At a standard 2.8% rate, here's what your processor collects every year — money that stays in your business with Scaler Pay.

    Monthly VolumeMonthly CostAnnual Cost
    $35k/mo$980/mo$11,760/yr
    $50k/mo$1,400/mo$16,800/yr
    $75k/mo$2,100/mo$25,200/yr
    With Scaler Pay$0/mo$0/yr

    Estimates based on 2.8% average rate. Actual fees vary by card mix and processor.

    [03]_THE INVOICE

    Parts, Labor, Complex Invoices — How the Cash Price Shows Up.

    The terminal shows two prices — the standard (card) price and the cash price. The card price includes the service fee. The customer sees it before tapping or inserting. For itemized repair invoices, the service fee applies to the card total.

    SAMPLE INVOICE TERMINAL
    Labor (2.5 hrs)$187.50
    Parts & materials$214.00
    Shop supplies$18.50
    Subtotal$420.00
    Cash Discount Adjustment+$12.60
    Card Price Total$432.60

    Customer sees card price before confirming. Cash price ($420.00) is also displayed.

    [04]_CUSTOMER PUSHBACK

    Will My Customers Push Back?

    Auto shop customers read invoices carefully — they're used to itemized billing. When they see a 'cash payment discount' line on the terminal screen, most treat it the same way they'd treat a line-item labor charge: they read it, confirm it, and move on.

    Shops with clear posted signage (provided with your Scaler Pay setup) see very low pushback rates. If a customer asks, here's the one-line answer:

    ONE-SENTENCE ANSWER

    "We offer a discount for cash payments — it covers the card network fee."

    [05]_FLEET & COMMERCIAL

    Fleet Cards, Commercial Accounts, and Insurance Claims — What Changes.

    • 01Standard card payments: Cash discount applies to all standard Visa, Mastercard, Amex, and Discover transactions — tap, chip, and swipe.
    • 02Fleet cards (Fleetcor, WEX): Fleet cards have separate processing rules. Confirm your specific fleet card mix with the Scaler Pay team on your setup call.
    • 03Insurance co-pay situations: The customer pays their portion, and the service fee applies to that amount. The disclosed card price covers the customer's share only.
    [06]_SHOP SOFTWARE

    Shop Management Software.

    Scaler Pay terminals work alongside your shop management software. Your invoicing and work order system stays exactly as it is — the terminal handles the payment separately.

    Mitchell1
    Tekmetric
    ShopBoss
    AutoFluent

    Don't see your software? Confirm compatibility on your setup call — we work alongside most shop management platforms.

    [07]_FAQ

    Questions, answered.

    Yes. The service fee applies to the card total — the full invoice amount including parts, labor, and any shop supplies. The customer sees the card price on the terminal before confirming. There is no need to itemize the fee across individual line items.

    Cash discount applies to standard Visa, Mastercard, Amex, and Discover transactions. Fleet cards (Fleetcor, WEX, and similar) operate under separate processing rules. Confirm with the Scaler Pay team on your specific fleet card mix during your setup call — we'll clarify exactly what applies to your account.

    Cash discount programs are designed for in-person, point-of-sale transactions where the price is disclosed before the customer confirms payment. Card-not-present transactions — phone-in approvals, invoices, etc. — have different compliance requirements. Confirm your specific use case on the setup call.

    Federal rules and card network guidelines require that the cash discount be posted at the point of entry and at the point of sale. Scaler Pay provides compliant signage with your terminal package — front door sticker, register sign, and receipt disclosure. You post it, we handle the template.

    Chargebacks are handled through standard card network dispute processes. Having a compliant cash discount program — with proper signage and point-of-sale disclosure — actually strengthens your position in a dispute because the customer confirmed the card price before paying.

    Surcharging adds a fee on top of the listed price for card users and is prohibited in Connecticut, Massachusetts, and Maine. It also cannot be applied to debit cards and requires 30-day advance notice to Visa and Mastercard. Cash discounting is legal in all 50 states, requires no pre-registration, and applies to all card types.

    Most auto shops are live within 3 business days of approval. You fill out the form, we call you within one business day to confirm rates and answer questions, then your terminal ships pre-configured. Plug it in and you're processing.

    No long-term contract. Month-to-month — leave if it ever doesn't work for your shop.
    [08]_APPLY

    Stop Losing $10,000+ a Year to Your Processor.

    Apply in 2 minutes — we'll call you within one business day with your rates and setup details. Learn more about Scaler Pay.

    Free rate check

    Get set up in 3 business days.

    Tell us about your business — we'll call you with rates and answer any questions. No commitment required.

    Payment processing services provided through licensed processing partners. Approval subject to review. Cash discount programs are permitted in all 50 states when disclosed at point of sale.