The 2026 cars on your lot and the ones coming in your service lane have evolved a lot since 2010.
Same goes with your customers’ interactions and expectations.
But has your payment system followed?
If you’re still using the same payment terminals from a decade ago-the ones with paper receipts, batch uploads, security flaws, and hidden fees, your dealership is paying the price every day.
I know what you’re thinking.
“Everybody gets paid.”
It might be true. Yes, you still get paid, but it comes with risk and friction.
It’s not if you get paid, but how you get paid. And most importantly, what it costs you in the end.
Paper and double entry: Your advisors have to retype RO amounts manually into fixed terminals each time.
Batch settlements: Transactions are reconciled at the end of the day in batch and can fail. Your team has to process everything manually and find the errors.
Contracts that punish loyalty: $500+ per store or up to 4 years locked in is the average we see from dealerships.
Refund fraud exposure: Anyone with terminal access can issue a refund to any card resulting in thousands of dollars in lost revenue.
Support queues: 30-minute average hold times for multimillion-dollar accounts when you need assistance from your payment provider.
If your devices still print paper and batch overnight, you’re officially running 2013 tech in a 2026 world.
It might feel like an upgrade by switching to independent sales organizations (ISOs) or your DMS solution. But, they still run on legacy payment under the hood.
For the ISOs solutions think of:
The truth is that you will be forced to still rely on the same old technology. In the end, they’re just like an old Civic with great bodywork. They look nice but they don’t perform.
Require you to have two separate merchant accounts (online + in-person). You need to do double reconciliation.
They use old terminals, use PDF-only receipts, and require you to do manual reports.
They aren’t as reliable since if the web app goes down, your terminals stop working.
Most of the time, you can’t offer financing options on the payment terminal directly. (Our clients have seen an increase of up to 246% in RO size by offering buy now pay later options.)
They still have the same hidden “network access” and “maintenance” fees from the old providers.
There’s a big difference between getting paid and doing payments right. Kimoby Pay terminal has been built for a modern experience. It’s secure, integrated, and paperless.
Kimoby Pay brings that to life with a faster and better payment process:
It syncs in real-time with your Reynolds and CDK invoices and write back on CDK. Your customer info appear automatically.
The refunds are locked down to avoid terminal-level fraud. Refunds are only in Kimoby and they are tied to the original transaction.
You can easily offer buy now, pay later options with Affirm. It’s built into the terminal flow and the online payment solution.
The receipts are sent via SMS or email by default (using the customer data that you already have). Most dealers end up with 95% paperless receipts.
Optional you can shift card cost partially or completely with surcharge. We take care of the transparent disclosures.
Our pricing is transparent and we don’t lock you in with contracts. One rate across channels. Interchange+ for both mobile and in-person.
Our terminals feel like a smartphone with Wi‑Fi, and a battery. Process payments anywhere.
Millions of dollars processed each month.
Average checkout time is under 30 seconds.
Refund fraud is non-existent. 0 incidents in our customers’ lifetime.
95% of customers opt out of paper receipts.
Controllers report ~22 hours/month saved in reconciliation time.
If your dealership still has to print, batch, or manually reconcile, your payment flow is outdated.
Customers are now used to the smooth experience they get from Apple Pay, Amazon, or Uber. And your staff should get tools that help them, not slow them down.
With Kimoby Pay you can replace five old processes with one connected system and it pays you back in days, not years.
Challenge us: share your merchant statement. We bet we can show you a faster, safer, and cheaper flow.
Book your 15-minute demo today.