Frequently asked
questions.

Not at all. Fast Pay is useful whether you offer financing occasionally or manage a larger active portfolio. Finance one deal a month or a hundred — the tools work the same way.

Absolutely. Watch the demo video to see a deal built, paid, and tracked from start to finish, or request a free walkthrough and we'll show you how Fast Pay fits your lot.

Setup is a quick, guided process. After you contact us, we provision your dealership account and send an admin invitation to your email. You click the link, set your password, and you're in. From there you can configure your dealership name and location, add your team, add your product/add-on catalog, and start creating deals right away. There's no software to install — Fast Pay runs in your browser.

From your dealer settings, invite staff by email. Each person gets their own login and a role of either Admin or User. Admins can invite more teammates and manage dealership settings; standard users can run the day-to-day work (deals, payments, customer communication). The invitee sets their own password, so you never need to share credentials.

Fast Pay doesn't have a self-serve importer today, but we'll do it for you — free. Send us your customer list, current open deals, and product catalog in a spreadsheet and we'll migrate them during onboarding. After launch, customers and vehicles are added as you write new deals, and your product catalog is managed directly in Fast Pay.

No. Fast Pay has a built-in VIN decoder (using the NHTSA vehicle database) — enter the VIN and the year, make, and model fill in automatically. You only need to add the price and any vehicle-specific notes. You can add a vehicle to your inventory up front or create one while writing a deal; either way it's saved and reusable.

Three things:

• Your product / add-on catalog — any warranties, service contracts, GAP, protection plans, or upgrades you want to attach to deals. You can add these on the fly too, but a reusable catalog is faster.
• The customer's phone number and email — Fast Pay uses these to send the customer their portal invitation, payment reminders, and receipts.
• The vehicle's VIN and price — either already in your inventory, or ready to add in the deal wizard.

That's it. Interest rate, term length, down payment, and start date are all set inside the deal wizard.

Deals are built through a four-step wizard:

• Customer — pick an existing customer or create a new one. New customers are automatically invited to the customer portal.
• Vehicle — pick from your inventory or add a new one (the VIN decoder fills in year, make, and model).
• Products — attach any add-ons from your catalog, or add them inline. Each line item has its own price.
• Payment schedule — set the interest rate (APR), down payment, term length, frequency, and start date. You'll see a full amortization preview before you finalize.

You can save and come back to any step — the deal tracks what's left. Changing an earlier step (for example, swapping the vehicle) clears the payment schedule so you never end up with stale numbers.

• Term length: 3 to 96 months.
• Frequency: weekly or monthly.
• Down payment: any amount from $0 up to (but not exceeding) the total price.
• Start date: any date you choose — Fast Pay calculates all payment due dates from there.

Fast Pay uses standard loan amortization. Interest is applied to the remaining principal with each payment — so early payments are mostly interest and later payments are mostly principal, the way any loan works. Before you finalize a deal you see the full amortization table, and the customer sees the same schedule in their portal, so there are no surprises.

Fast Pay is free for dealers — the customer pays any fees, and they are never deducted from your payout.

• Bank transfer (ACH): $6.95 per online payment. ACH payments can take 3–5 business days to confirm.
• Credit or debit card: $6.95 per online payment, plus 3% of the payment amount.
• Cash or check (in person): your staff records these in Fast Pay. No fee.

All card and bank data is tokenized through Stripe — Fast Pay never stores raw card or bank account numbers.

Fast Pay checks for past-due payments every night, marks them overdue, and starts an automatic follow-up sequence:

• Days 1–14: email and text alerts (at most one of each every 48 hours), plus AI-assisted phone calls on days 5, 10, and 14.
• Days 15–31: daily contact — a text on odd days and an AI-assisted phone call on even days.
• Day 32 and later: automatic contact stops, on the assumption that you're handling the account directly or starting repossession.

Every email, text, and call is logged, so you have a full record of contact attempts. You can turn off phone calls, texts, or emails for your dealership at any time (see Customer Experience).

Start the repossession from the deal. Fast Pay asks you to confirm the VIN and enter a reason, then saves a snapshot of the vehicle details and remaining balance as a permanent record. The deal is marked repossessed, the payment schedule is closed, and the customer's account is suspended — no more automatic contact and no more portal access. The repossession (who started it, when, why, and what was owed) is kept in the audit log permanently.

Everything they need to help themselves, which cuts down on “what do I owe?” calls to your office:

• Their payment schedule — full amortization, balance remaining, and next payment due.
• Payment history — every past payment, its status, and a receipt.
• The vehicle(s) on their deal.
• Messages from you — any announcements or alerts you send.
• Payment methods — they can add or remove their own cards and bank accounts (stored with Stripe).
• Notification settings — they control which non-critical emails and texts they receive.

They can't edit the deal terms, the schedule, or any dealer-side data.

When you create a deal for a new customer, Fast Pay automatically emails them a secure invitation link. They click it, set a password, and they're in. For existing customers, new deals simply appear in their portal. You never set up customer logins by hand, and you never see or handle their passwords.

Out of the box, Fast Pay sends:

• Payment reminders — 3 days before each payment is due.
• Payment confirmations — right after a successful payment.
• Payment failure alerts — when a card is declined or a bank transfer fails.
• Overdue follow-up — emails, texts, and AI-assisted phone calls on the schedule above.
• Message notifications — anything you send from your dealer messages.

Every message is logged against the customer, so you can see exactly what they received and when.

Yes — each channel has its own on/off switch for your dealership: emails, text messages, and AI-assisted phone calls.

When a channel is off, no messages go out on it — including critical ones like payment failure and overdue alerts. Account and security emails (password resets, invitations) always send. Customers can also opt out of non-critical notifications themselves, but critical alerts still reach them on any channel your dealership has turned on.

Customers must verify their phone number with a 6-digit code before they receive any texts, so wrong-number texting isn't a risk.

Yes. The customer portal works on any phone, tablet, or computer — customers can view their schedule, make payments, and update payment methods from their phone's browser, with no app download required. Payments can be made any time, even when your dealership is closed.

All card and bank account data is tokenized and stored with Stripe, a PCI-DSS Level 1 certified processor. Fast Pay's servers never see or store raw card or bank account numbers. When a customer adds a payment method, the details go straight from their browser to Stripe, and Fast Pay keeps only the token Stripe returns. That keeps PCI scope for both you and us as narrow as possible.

Fast Pay's event log records:

• Every customer, dealer, and admin login (with IP address and device).
• Every deal created, and every vehicle, product, and schedule change.
• Every payment attempt, success, failure, and refund.
• Every email, text, and phone call sent — with delivery status.
• Repossessions (who started them, the reason, and a balance snapshot).
• Administrative actions such as staff invitations, role changes, and setting changes.

Each entry records who did it, when, and from where.

Your deals, payment schedules, payments, and customer records are kept for the life of your dealership account. The activity/audit log is retained by type:

• Financial events (payments initiated, succeeded, failed, refunded): 2 years.
• Repossession events: permanently.
• Other activity: 7 days to 1 year, depending on severity.

Fast Pay checks permissions on every action:

• Dealer Admin — full access to the dealership: deals, payments, customers, team management, and settings.
• Dealer User (staff) — day-to-day work: create and manage deals, take payments, message customers. Can't invite staff or change dealership settings.
• Customer — sees only their own deals, payments, vehicles, and messages.
• Fast Pay support — internal accounts with separately controlled, logged access.

A staff member at one dealership can't see another dealership's data, even by guessing URLs.

Yes. A dealer admin can deactivate any staff account immediately from team management. Their login stops working right away, active sessions end, and the change is written to the audit log. Their past activity (deals created, payments processed) stays attributed to them, so you don't lose any history.

Nothing. Fast Pay is free for dealers — always. There's no monthly software fee, no setup fee, and no per-deal fee.

Not for you. Your customer pays a $6.95 fee on each online payment, plus 3% of the payment amount when they pay by card. ACH bank payments are $6.95 only. Cash or check payments you record in person have no fee. These fees are paid by the customer and never deducted from your payout.

No. Email, text, and AI-assisted phone call follow-up are included at no extra charge.

There's no trial because there's nothing to pay for — Fast Pay is free for dealers. There's no setup fee either, and onboarding help and data migration are free.

Everything. Every dealer gets every feature — the deal wizard, payment schedules, online payments, automatic reminders and AI-assisted collection calls, the customer portal, the dealer dashboard, the default predictor, repossession tracking, and the audit log. There are no paid tiers or add-ons.

Fast Pay has a secure REST API covering the core customer-facing flows — sign-in, payment schedules, scheduled payments, payment history, and making payments. Today it mainly powers the customer mobile experience. For dealer-side DMS integrations (inventory sync, deal push, payout reconciliation), reach out — we scope those as partner integrations so permissions and limits fit your setup.

Today each dealership account maps to one location. If you run multiple rooftops, set up one Fast Pay account per location and invite your corporate staff as admins on each. Deals, customers, and inventory stay separate per location — usually what you want for reporting and audit. A single corporate login across locations with roll-up reporting is on our roadmap; if you need it, let us know.

Stripe — one of the most trusted payment processors in the world, and PCI-DSS Level 1 certified. Card payments settle through Stripe and bank transfers go through ACH. Your payouts land in the bank account you connect to Stripe, and Fast Pay is notified the moment a payment succeeds, fails, or is refunded, so balances update in real time.

Yes. The dealer portal works on any phone or tablet browser — you can write deals, take payments, and message customers from anywhere. The deal wizard is built for touch, so your finance manager can close a deal from the lot.

Fast Pay runs in the cloud, not at your office, so your internet going down doesn't stop anything — reminders, overdue follow-up, and scheduled payments keep running. Background jobs retry automatically if something fails, and payment updates from Stripe are processed exactly once and held until they succeed. If the system is ever briefly unreachable, queued work catches up when it's back — no missed payments, no lost messages.