For car and vehicle dealerships, every transaction matters. High-value sales, large customer expectations, and regulatory pressure mean outdated card payment processes aren’t just inefficient — they’re risky. SOTpay offers a smarter way to take payments across your dealership: secure, PCI DSS compliant, multi-channel, and engineered to protect margins while enhancing trust.

Why Dealerships Trust SOTpay

Slash Transaction Fees
 When you’re selling vehicles worth tens of thousands, every percent in card fees counts. By offering customers secure payments via Open Banking or pay-by-link instead of always relying on credit/debit cards, SOTpay helps dealerships reduce what can amount to tens or even hundreds of thousands of pounds a year in fees.

Protect Against Fraud & Chargebacks
 Our system uses 3-D Secure (3DS) authentication, shifting liability to acquiring banks. That means fewer chargebacks, fewer disputes, and better financial predictability for your business.

Secure Multichannel Payments
 Whether customers pay in person, over the phone, via email, SMS, live chat, WhatsApp, or social media — SOTpay ensures every channel is secure. Sensitive card info never passes through your staff or equipment.

Seamless Integration
 Connect with your current systems — dealerships, DMS tools, or CRM — and with financial software like Xero or QuickBooks. Payment data flows where it needs to, minimizing manual reconciliation and reducing human error.

Real-Time Visibility, No Data Exposure
 Dashboard access for agents and management means you can monitor payment status, view success or failure rates, without exposing any sensitive card or personal data.

Hosted & Vendor-Agnostic Platform
 No need to replace telecoms, switch providers, or install hardware on-site. Our cloud-based system works with your current setup, scaling as you grow.

Regulatory Compliance & Security
 Fully compliant with PCI DSS standards. With secure call recording and enforced data protection practices, you shield your brand from breaches and regulatory penalties.

Business Impact & Real Numbers

A typical mid-sized luxury dealership processing £10 million in annual sales via credit/debit cards could be paying £250,000+ in transaction fees at just a 2.5% rate. Switching even a portion of payments to SOTpay's solutions (Open Banking, pay-by-link) can shave off a large slice of that burden, improving margin and freeing up budget.

Because SOTpay keeps sensitive data out of your environment, the risk of fines or reputational damage due to compliance issues drops significantly. Plus, when your agents aren't bogged down with manual reconciliation or chasing failed payments, operational costs go down, productivity goes up.

How It Works

An agent remains on the line or in conversation (phone, chat, etc.).

A secure SOTpay link is sent instantly via the customer’s preferred channel (SMS, email, WhatsApp, live chat, etc.).

Customer authenticates and makes payment securely — often with 3DS.

The payment clears, with real-time status updates visible in your SOTpay dashboard. No sensitive data handled by staff or internal systems.

FAQs

How can automotive dealerships reduce payment fees?
 By offering secure alternative payment methods like Open Banking and pay-by-link. These often come with lower costs compared to standard card fee percentages.

What protections does SOTpay provide against fraud?
 Every transaction is protected with 3-D Secure (3DS). Sensitive data never touches your systems, reducing exposure and shifting liability away from your dealership.

Do remote payments work just as well?
 Yes. Whether it's a customer at home or negotiating via live chat, SMS, or email, all channels are covered securely.

Will SOTpay work with my current accounting tools?
 Absolutely. SOTpay integrates with popular platforms like Xero and QuickBooks to streamline reconciliation and reporting.

Is SOTpay cloud-based or does it require hardware?
 It’s fully hosted. No extra hardware, no telecom changes needed. You keep your existing infrastructure and gain security and scalability.

Drive More Profits with Secure, Smart Payments

Protect your brand, cut costs, and offer customers a smoother payment experience. With SOTpay, automotive dealerships can reduce fees, prevent fraud, and stay compliant — all while letting agents focus on sales, not payments