Industry Solutions

Best Credit Card Processor for Auto Repair Shops in the Philadelphia Area & Main Line PA

By Robert Staschak · Owner, Custom Payments LLC · Merchant Services Specialist · Published 2026-06-03 · 6 minute read

If you own an auto repair shop in the Philadelphia area – whether you're on the Main Line in Wayne, Berwyn, or Ardmore, or operating in Chester County, Delaware County, or Philadelphia – you already know that credit card fees are eating into your margins. A $700 repair job processed on a Visa rewards card can cost you $18–$22 in fees alone. Multiply that across hundreds of tickets per month and you're writing significant checks to a processor every 30 days. The good news: there's a better way, and it's being used by shops across the region right now.

The EDGE Cash Discount Program

Custom Payments offers the EDGE Cash Discount Program – a fully legal, Visa and Mastercard-compliant solution that lets you recover those fees without charging customers extra. Here's how it works:

  • You post a single price that includes a small service fee
  • Customers who pay cash get a discount equal to that fee
  • Customers paying by card pay the posted price
  • You keep your net revenue – and stop writing checks to a processor every month

Why It Works Especially Well for Auto Shops

Auto repair shops are one of the best-fit businesses for cash discount programs because of high average ticket sizes. The higher the average transaction, the more you save every month. A shop processing $50,000/month at an effective rate of 2.8% is paying $1,400 in fees – most of which can be recovered.

We Serve These Areas

Custom Payments works with auto repair shops in Wayne, Devon, Malvern, Berwyn, Paoli, Frazer, Ardmore, Bryn Mawr, Haverford, Radnor, Exton, West Chester, King of Prussia, Phoenixville, Downingtown, and throughout the Philadelphia metro area.

Get a Free Statement Analysis

We'll review your current processing statement at no charge and show you exactly what you're paying and what you'd save with the EDGE program. No obligation, no pressure. Contact us at custompayments.biz or call today.

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