Carpay provides a complete payment and loan-management platform designed specifically for Buy Here Pay Here dealerships.
Customer Payment & Access Tools
Carpay makes it easy for customers to manage and make payments through multiple channels:
#1 rated BHPH customer mobile app (iOS and Android)
Customer web portal
Customer IVR payment system (1-877-9-CARPAY)
Smart Auto-Pay for recurring payments
One-time payments across all channels
These options give customers flexibility while helping dealerships get paid on time.
Communication & Notifications
Carpay helps you stay connected with customers automatically:
Unlimited text notifications
Unlimited email notifications
Payment reminders and alerts
Portfolio wide "announcements" (send mass text/emails)
Carpay Direct Messages (built-in SMS/MMS conversations with your customers)
Unlimited notifications are included and help reduce missed or late payments.
Loan & Payment Management Tools
Dealerships have access to a full set of tools to control and manage payments:
Enterprise loan management dashboard
Payment gateway(s)
Partial Payment Manager (allow or disallow partial payments)
Payment Blocker to prevent payments from specific customers, or set guidelines
Approved payer names (chargeback/fraud prevention)
These tools give dealerships control over how and when payments are accepted.
Work Late Accounts™ Automation
Carpay includes built-in collections support:
Work Late Accounts™ automated sequences
Custom Work Late Accounts™ sequences
These automated workflows help follow up on late accounts without manual effort.
Setup & Integration
Carpay supports dealership onboarding and technical setup:
DMS integration and setup support
Web-based dealer dashboard accessible from any browser
Support for active loan portfolios of all sizes
This ensures Carpay fits into your existing dealership operations.
Pricing Overview (High Level)
Carpay service is month-to-month, with no contracts or commitments
Software and payment processing fees are customized and unique to each dealership