Kimoby Pay In-Person vs legacy payment solutions

Modern in‑store payments for dealerships

Everybody processes payments… but not everyone does it right.

There’s a world of difference between getting paid and doing payments right. Kimoby Pay terminal has been built for modern experience. It's secured, integrated, and paperless first.

Kimoby Pay In-Person vs legacy players:
Faster and better payment process

With Kimoby Pay In-Person you get fewer calls to accounting, faster pickups, fewer write‑offs, tighter controls compared to legacy payment solutions

Less errors

All payments are connected to ROs

95% paperless receipts

Our clients eliminate paper receipts in favour of email/SMS receipts

Refund fraud protection

Refunds can only be made with a Kimoby account and are mapped to the original transaction

Digital audit trail for every transaction

If an error occurs, you can easily find where it occurred

Competitive interchange+ pricing

For all channels (mobile + in‑person) once terminals are adopted

Financing on‑device

With Affirm to approve larger ROs

Transparent pricing

No hidden fess, no markups and competitive. Simple to understand without the contracts

Why legacy solutions hurt your dealership even when they “work”

Yes you still get paid but with friction and risk.

 

  • Hidden/stacked fees

    These fees are hidden under vague terms like “network access,” “maintenance,” “assessment padding,” etc.

  • 30–60s paper routine

    Each checkout requires your team to staple receipts to printed invoices and give the piles to accounting.

  • Support delays

    30+ minutes to reach a human on high‑volume months.

  • Refund fraud exposure

    Anyone with terminal access + default admin PIN can push a card refund (two clients dealerships lost $15k–$50k on legacy units).

  • Batch failures

    Batch failures if a terminal isn’t docked overnight forcing manual exports the next day.

  • Multi‑year contracts

    Long contracts often come with penalties if exiting early ($500 per store or remaining months × average fees).

Who are the legacy players

Legacy payment solution

 These are:

  • Elavon
  • Global Payments
  • Moneris

Independent Sales Organizations (ISOs)

These are:

  • Dealer Merchant
  • DealerPay
  • Payfacto
  • Clover

DMS payment solution

These are:

  • ReyPAY
  • PBS Payments
  • Tekion Pay

 

"With Kimoby Pay, we don’t have to second-guess payments anymore. It gives us one less thing to worry about."
Luis Lopes

Luis Lopes

Service Manager at Mercedes-Benz Langley

Kimoby is the payment solution designed for dealership

DMS‑synced checkout

Pull RO amount and customer info to the terminal automatically. In addition you can show invoice on CDK and Reynolds and write back on CDK.

 

DMS‑synced checkout

Financing on terminal

With a quick QR code scan, customer completes the buy now pay later (Affirm) application on their phone.

 

Financing on terminal

Surcharge supported

Optional, policy‑controlled. Shift card cost partially or completely. Transparent disclosures handled.

Surcharge supported

Refunds from Kimoby only

No “free‑form” refunds on the device. Partial and full refunds are linked to the original transaction.

Refunds from Kimoby only

Paperless by default

Digital receipts is sent by default. Print remains available (Wi‑Fi printers, plug‑and‑play for most system).


 

Paperless by default

Modern terminals

Terminals that feel like smartphones with Wi-Fi and a battery. Process payments anywhere.

Modern terminals

Secured infrastructure

All transactions are secured and tokenized with the highest level of security certification (PCI Level 1).

Secured infrastructure

How does it compare

Features
Kimoby Pay
Legacy payment solution
Independent Sales Organizations (ISOs)
DMS payment solutions
RO sync to terminal
Real-time
comptab-no-icon
Partial
Real-time
Refund control
App-locked
Generic password by default
Generic password by default
Mixed
Financing on device
Affirm with QR code
comptab-no-icon
comptab-no-icon
comptab-no-icon
Paperless receipts
SMS or email with contact sync
comptab-no-icon
Mixed
Optional
Pricing model
Transparent interchange+
Opaque Interchange+
Adds markup layer
Opaque interchange+
Contracts
Monthly and no penalties
Multi-year
Multi-year
Multi-year
Support
3 minutes to talk to human
Call center queues
Varies
Varies
Terminal device
Smartphone like
Blackberry like (big keypads)
Mostly Blackberry like (big keypads)
Mostly Blackberry like (big keypads)
pay_mock_up

Ready to modernize your payment process?

Kimoby Pay is the only solution fully integrated with your DMS and engagement system that lets customers pay in store or by text. Every transaction connects to the RO, reconciles automatically, and keeps your team focused on service instead of paperwork.