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Vendor Payments Built for How Automotive Finance Teams Actually Work
Your accounts payable (AP) team shouldn't spend half the payment cycle printing checks, chasing signatures and manually reconciling across locations. REPAY automates vendor payment execution for automotive dealerships and dealer groups. Reducing manual work, improving visibility across rooftops and strengthening controls, without replacing the systems your team already uses.
Built specifically for dealership accounting workflows. Integrated with your dealer management system (DMS). Backed by a US-based team of Payments Specialists who handle enrollment, execution and follow-up on your behalf.
Built specifically for dealership accounting workflows. Integrated with your dealer management system (DMS). Backed by a US-based team of Payments Specialists who handle enrollment, execution and follow-up on your behalf.
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Your AP team is managing complexity that most payment tools weren't built for.
Running accounts payable across a dealership group isn't a generic AP problem. It's a multi-rooftop, multi-entity, multi-bank-account challenge with high vendor volume, strict OEM oversight and a lean accounting team expected to close the books accurately every month.
When your payment workflow still relies on paper checks, manual approvals and disconnected reconciliation, the compounding effect is significant:
Cross-location approvals alone can stretch check payment cycles by three or more days
AP staff spend hours on printing, mailing and following up. Time that belongs on cash management and closing
Limited visibility into payment status means answering 'where is that payment?' is harder than it should be
Checks remained the payment method most frequently impacted by fraud, according to the Association for Financial Professionals Payments Fraud and Control Survey Report, with 58% of organizations reporting check fraud.
Vendor payment exceptions pile up when methods, preferences and remittance details aren't consistently tracked
Month-end close slows when reconciliation depends on manually piecing together records across systems
These aren't edge cases. They're structural and they get harder to manage as dealer groups grow.
A More Controlled Way to Execute Vendor Payments
REPAY doesn't replace your AP system. It solves the part that creates the most friction: how vendor payments are executed, routed, tracked and reconciled.
One integration into your DMS. One consistent process across every vendor, every location, every payment cycle.
One integration into your DMS. One consistent process across every vendor, every location, every payment cycle.
Payments Specialists Who Work Like Part of Your Team
REPAY's US-based Payments Specialists handle vendor enrollment, payment execution and ongoing follow-up so your AP staff aren't the ones spending hours on phone calls and exceptions.
- Specialists manage outreach to collect and verify vendor payment preferences
- If a payment fails, Specialists contact vendors directly — as many times as it takes
- Vendor data is maintained and updated so your team doesn't have to track it manually
Deep DMS Integration — Work Where You Already Work
REPAY integrates directly with the dealership management systems your accounting team relies on. Payment approvals, status updates and reconciliation data flow through your existing workflows. No second platform to log into, no duplicate entry.
- Integrated with CDK Global, DealerBuilt, Dealertrack DMS, Tekion ARC and more
- Payments post back to your DMS with accurate remittance detail
- Reconciliation is cleaner because the data doesn't move through manual handoffs
Vendor Payment Automation That Replaces the Check Process
REPAY replaces manual check payments with a single, standardized execution layer. Automated decisioning routes each payment to virtual card, ACH, Digital Disbursements or check based on your priorities, payee type and vendor requirements.
- Eliminate manual check printing, signing and mailing
- Apply a consistent approval workflow across every location and entity
- Use Digital Disbursements to pay individuals and sole proprietors by automated ACH, instant bank transfer (RTP) or prepaid card
- Automatically route payments to the best-fit method without manual selection
Revenue-Generating Payments — AP Becomes a Value Driver
When vendor payments move through virtual cards and ACH, your dealership group can earn rebates on payment volume. That turns an administrative cost center into a source of recurring revenue.
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Crowley Auto Group earned an average monthly rebate of $1,600 — nearly $20,000 annually
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74% of vendor payments moved to electronic methods after implementation
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Virtual card rebates scale with payment volume
Real Results from a Real Dealership Group
Crowley Auto Group, a three-franchise Connecticut dealer group managing payments to more than 700 vendors across locations every month, was spending approximately four days of labor each payment cycle on manual check processes.
After implementing REPAY, the results were immediate:
- 77 hours saved per month by eliminating paper check processing
- $500 saved monthly in direct check-related costs
- 74% of vendor payments converted to electronic methods
- 70% of payment volume processed via virtual card
- $1,600 average monthly rebate earned, nearly $20,000 saved per year
- Fewer vendor-related payment calls due to cleaner remittance data
Implementation happened in six days. Because REPAY is already integrated with DealerBuilt — Crowley's DMS — the process was fast and did not disrupt existing workflows.
From Invoice to Paid: How REPAY Runs the Process
Here's exactly how vendor payment automation works inside your dealership operations from the moment a payment group is created through reconciliation back into your DMS.
Vendor Enrollment — We Handle It
Before the first payment runs, REPAY Payments Specialists contact your vendors directly to gather payment preferences, verify banking details and set up electronic payment methods. Your team doesn't manage the outreach; we do.
- Virtual card, ACH, Digital Disbursements and check payments tracked across open, pending and paid statuses
- If a virtual card has an uncleared balance after seven days, Specialists follow up to reissue via an alternate method
- Uncleared paper checks are tracked and easy to reissue, with no manual research required
Approval and Payment Execution — One Click From Your DMS
Create a payment group from your existing invoice data. Submit it for approval through your standard workflow. With one approval, the payment group moves forward. REPAY pulls funds from your designated account and routes each payment to the appropriate vendor.
- Approval workflows align with your existing DMS or finance system
- Payments are routed automatically based on previously established vendor preference and payment type
- No manual check writing, no trips to the printer, no envelope and stamp required
Payment Delivery and Exception Handling — We Stay On It
Once payments are released, REPAY tracks delivery status for each transaction. If a payment fails or a payee needs follow-up, Payments Specialists contact them directly and work to resolve the exception.
- Digital Disbursement payees receive a secure, single-use claim link and can select automated ACH, instant bank transfer (RTP) or prepaid card without creating an account
- Payment status updates sync in real time from pending to completed
- Fees, enrollment details, overrides and remittance information are logged for a complete audit trail
Reconciliation — Cleaner Data Posted Back Where It Belongs
Payment remittance and status data posts back to your DMS in a format your team can actually use. Realtime, customizable reporting gives you visibility into open and paid payment statuses, voucher detail and reconciliation records, without spreadsheet archaeology.
- Open and paid payment statuses are visible in realtime
- Remittance detail lands accurately, reducing reconciliation time at month-end close
- Audit-ready records accessible without manual assembly
Control and Security Built Into Every Outbound Payment
Checks remained the payment method most frequently impacted by fraud in 2025, with 58% of organizations reporting check fraud. New Nacha fraud monitoring requirements also took effect in phases in 2026. The risk environment for dealership accounts payable teams is not getting easier. REPAY replaces check-dependent processes with a payment execution layer built on electronic controls, helping reduce exposure, improve traceability and maintain the audit-ready records required for oversight and compliance.
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Payment Controls That Replace Manual Safeguards
- ACH validation — debit confirmation before funds move
- Tokenization and end-to-end encryption protecting sensitive
vendor and banking data - Positive pay support reducing fraudulent check clearance
- Dual controls and approval workflow safeguards before payment
execution - High-risk change triggers — vendor payment detail updates require extra verification steps
- Custodial account structure that separates dealership funds from
the payment execution layer
Audit Readiness Without Extra Work
Every payment creates a complete, traceable record from payment method, status, remittance detail, and approval history, all accessible in real time. When audit time comes, the documentation is already there.
Download the Automotive Vendor Payment Control Checklist
Evaluate your current vendor payment process and identify opportunities to reduce manual AP work, improve control, strengthen security and streamline reconciliation.
HOW TO USE YOUR RESULTS
A dealership can process hundreds of vendor payments each month and still rely heavily on paper checks. Check each statement that accurately describes your current process, then total the boxes to see where you stand.
16–20 boxes checked
Your vendor payment process is on strong footing, with room to optimize routing, controls or workflow efficiency.
8–15 boxes checked
You have a workable foundation, but there may be clear gaps affecting payment visibility, control or team efficiency.
0–7 boxes checked
There's likely a significant opportunity to improve vendor payment automation, security controls and operational consistency.
Resources for Automotive Finance and Accounting Teams
Explore how dealership accounting and AP teams are improving vendor payment operations with REPAY.
What CFOs Really Want From Their AP Tech
Get expert insight on what CFOs want from AP tech: visibility, security, decisioning and measurable ROI.
Case Study: From 3,000 Checks a Week to a Modern Vendor Payment Automation Platform
Learn how the Castle Group streamlined operations and improved service by utilizing vendor payment automation from REPAY.
What Real B2B Payment Support Looks Like
See how real B2B payment support reduces friction, improves vendor care and saves AP teams time.
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Every Payment. Every Vendor. Every Location. Under Control.
REPAY helps automotive dealer groups replace manual, check-heavy AP processes with a faster, more secure and more scalable vendor payment workflow, integrated with your DMS and supported by a team of Payments Specialists who work like an extension of your accounting staff.
Less manual work. Better visibility. Stronger controls. A vendor payment process your team can trust.
Less manual work. Better visibility. Stronger controls. A vendor payment process your team can trust.
Blogs
What CFOs Really Want From Their AP Tech
Get expert insight on what CFOs want from AP tech: visibility, security, decisioning and measurable ROI.
Case Study: From 3,000 Checks a Week to a Modern Vendor Payment Automation Platform
Learn how the Castle Group streamlined operations and improved service by utilizing vendor payment automation from REPAY.
What Real B2B Payment Support Looks Like
See how real B2B payment support reduces friction, improves vendor care and saves AP teams time.