Get paid faster with modern payment options your customers expect. Credit cards, ACH, text-to-pay, and buy-now-pay-later -- all built into BayOS so your front counter never has to juggle separate terminals or portals.
BayOS integrates directly with Stripe to accept Visa, Mastercard, American Express, Discover, and ACH bank transfers. Payments are processed through Stripe's PCI-compliant infrastructure, so card data never touches your systems. Customers can pay in person at the counter, from a text-to-pay link on their phone, or through the online payment portal -- whatever is most convenient.
Payment -- Invoice #INV-10247
$1,247.50
2021 Toyota Camry -- 60K Service
Method
Visa ****4242
Date
Feb 14, 2026
Processing Fee
$36.18
Net Deposit
$1,211.32
Text-to-Pay Message
Hi Sarah, your 2021 Camry is ready for pickup at Precision Auto Care. Your total is $1,247.50. Pay securely here:
pay.bayos.app/inv/a3x7k
Customer Portal
When the vehicle is ready, send the customer a payment link via text message. They tap the link, review the invoice, and pay securely from their phone -- no app download, no account creation. For customers who prefer to pay before they arrive, the BayOS customer portal lets them view their invoice, see the inspection report, and submit payment on their own schedule. Partial payments are supported for customers who want to split a large bill.
Large repair bills are the number one reason customers decline work. BayOS integrates Affirm Pay in 4 and monthly financing so customers can split payments into manageable installments -- while your shop gets paid in full immediately. Sunbit offers buy-now-pay-later with up to 90% approval rates, even for customers with less-than-perfect credit. No awkward financing conversations at the counter; just present the option and let customers choose.
Financing Options -- $2,847.00 Repair
Pay in 4
Affirm4 payments of $711.75 every 2 weeks
0% APR -- no interest
Monthly Financing
Affirm12 months at $253.00/mo
10-30% APR based on credit
Buy Now, Pay Later
Sunbit6 months at $498.00/mo
90% approval rate -- soft credit check
Your shop receives $2,847.00 in full within 1-2 business days
Payment Ledger -- February 2026
INV-10251
Visa ****1234
+$892.00
Feb 15
INV-10249
ACH ****5678
+$3,150.00
Feb 14
INV-10248
Sunbit BNPL
+$2,847.00
Feb 14
INV-10247
Text-to-Pay
+$1,247.50
Feb 13
Feb MTD Collected
$47,832.50
Every payment is logged against the repair order with a full audit trail -- method, amount, date, transaction ID, and processing fees. Customers receive digital receipts automatically via email or text. Your bookkeeper gets clean payment reports that reconcile with your bank deposits, broken down by payment method. No more end-of-day drawer counts or manual reconciliation.
Visa, Mastercard, Amex, and Discover via Stripe with competitive rates
Bank transfers for fleet accounts and large invoices at lower fees
Send secure payment links via SMS -- customers pay from their phone
Self-service portal for invoice review, payment, and receipt downloads
Four interest-free biweekly payments for mid-range repairs
3 to 36-month financing for major engine, transmission, and body work
Up to 90% approval rate with soft credit check -- no customer turned away
Your shop gets paid in full upfront on all BNPL transactions
Accept deposits, split payments, and track outstanding balances
Shops using BayOS payments see an average 23% reduction in accounts receivable aging. Get a personalized demo of every payment option available to your customers.