ABOUT US
SmartPay Merchant Solutions
We’re a family-owned payments company based in Boerne, Texas, specializing in payment processing for automotive businesses.
Who We Are
SmartPay Merchant Solutions was built to give business owners a better alternative to one-size-fits-all payment processors.
We’re a local, family-owned company that believes payment processing should be transparent, fairly priced, and easy to understand — without confusing statements, hidden fees, or call centers.
When you work with SmartPay, you work with real people who take the time to understand your business and how you get paid.
Why We Specialize in Automotive Businesses
Automotive businesses face unique payment challenges that most processors don’t understand.
High-ticket repairs, deposits, and card-not-present transactions often lead to unnecessary fees when accounts aren’t set up correctly. Generic processors treat automotive shops like every other business — and that’s where overcharging happens.
That’s why we focus exclusively on auto repair, auto body, tire, and off-road shops. We understand how your transactions are run, how fees are applied, and where processors quietly add costs.
By specializing in automotive, we’re able to lower effective rates, reduce downgrade fees, and introduce smarter options like ACH for high-ticket jobs — savings that generic processors often miss.
What You Can Expect From Smart Pay
• Transparent, wholesale-style pricing
• No long-term contracts or hidden fees
• Real support from real people
• Solutions built around your business, not a template
• A long-term partnership, not a quick sale
Want to See If You’re Overpaying?
Upload your most recent processing statement and we’ll show you your true effective rate, hidden fees, and real savings — with no obligation.