Everything you need to run your BHPH operation

FastPay replaces the patchwork of spreadsheets, paper files, and generic accounting software with one platform built for in-house auto financing.

Structure every deal the right way, every time

Your deals follow a consistent process — customer, vehicle, products, terms. FastPay's deal wizard walks your team through each step so nothing gets missed and every deal is set up correctly from day one.

Step-by-step guided workflow
Create new customers or select existing ones
Assign vehicles from your inventory
Add products like warranties, GAP, and service contracts
Configure interest rate, down payment, term length, and frequency
Preview the full amortization table before finalizing
Automatic customer invitation on deal completion

FastPay deal wizard on the final Payment Schedule step, with Customer, Vehicle, and Products steps already checked off and a 2020 Hyundai Tucson selected.

Accurate amortization without the headaches

FastPay calculates payment schedules with APR and daily compounding interest — the way BHPH deals actually work. Every payment is broken down into principal and interest, and line items for the vehicle and any add-on products are tracked separately.

Daily compounding interest calculated automatically
Weekly or monthly payment frequencies
Terms from 1 to 36 months
Down payment tracking
Line items for vehicle and each add-on product
Full amortization table visible at any time

Payment schedule for a loan with the first two payments marked Paid and the next several marked Pending, showing principal and interest for each payment.

Get paid without picking up the phone

Customers save a card or bank account on file and payments process through Stripe. FastPay supports credit cards, debit cards, and ACH bank transfers — plus handles current payments, overdue balances, extra payments, and partial payments. All tracked with a complete history.

Credit card, debit card, and ACH bank transfer support
Secure card and bank account storage via Stripe
PCI-compliant payment processing
Current, overdue, extra, and partial payments supported
Processing fee tracking
Complete payment history for every account
Payments applied to earliest outstanding balance first

Payments list showing recent customer payments across multiple dealerships with card, ACH, and cash payment types all in a Succeeded status.

No fees. Ever. The money you earn is the money you keep.

As a dealer or finance company, everyone wants a piece of your pie. Not FastPay. With our payment software, you'll never pay a credit card fee, a convenience fee, or any other kind of transaction fee. When a customer pays, every dollar of that payment lands with you. We handle the collection — you keep the profit.

No credit card processing fees charged to the dealer
No convenience fees
No per-transaction surcharges
Dealer keeps 100% of every customer payment
Transparent, flat platform pricing (see Pricing)

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“What you paid before” vs. “What you pay with FastPay”

Turn every loan into a bigger profit center

A deal doesn't have to stop making money the day the customer drives off. With FastPay, you can create custom products at any point during the life of the loan — not just at the point of sale. Sell a warranty after the fact. Build your own GAP product. Turn a post-sale repair you'd normally eat into an interest-bearing line item on the account. Every product is fully customizable. You dream up the product, set the terms, pick the interest rate, and choose what percentage of each monthly payment goes toward it. FastPay can automatically extend the loan or bump the monthly payment — whichever fits the situation.

Create custom products at any point in the loan lifecycle
Common uses: after-sale warranties, dealer-created GAP coverage, post-sale repair financing
Turn good-faith repairs into interest-bearing line items
Fully customizable: you define product, terms, interest rate, and payment allocation
Auto-extend the loan term or raise the monthly payment
Every added product tracked on the payment schedule

FastPay Products library showing dealer-configured add-on products: GAP Insurance, Paint Protection, Tire & Wheel Protection, and Ceramic Coating, each with a price and Active status.

We make sure your customers can't forget

FastPay keeps customers reminded automatically — 3 days before every payment is due, on the due date itself, and every day a payment stays overdue. Reminders go out by email, text, and automated voice call so the message lands no matter how the customer prefers to be reached. Confirmations fire when payments succeed, and both you and the customer are alerted the moment a payment fails. Need to nudge a specific buyer? Send a custom message any time.

Reminders 3 days before due, on the due date, and every day thereafter
Email, SMS, and automated voice call delivery
Overdue payment alerts and payment failure notifications
Payment confirmation receipts
Custom one-off messages to any customer, any time
Customer preference controls
All communications logged for the audit trail

Compose-message screen with a specific customer selected, SMS channel chosen, and a custom one-off message ready to send.

Every account, every detail, one place

Your dashboard shows a snapshot of every account on your lot — who's current, who's overdue, who's close to payoff. Each tab drills in deeper. See payments due, payment progress, the last time a customer logged in, and the full history of every message that's been sent. You never have to dig for an answer.

Dashboard snapshot of all active accounts
Drill-down tabs for each customer and each deal
Payments due and payment progress at a glance
Last customer login displayed on the account
Full sent-message history per customer (email, SMS, and voice calls)
Filter and sort accounts by status, due date, or overdue amount

Dealer dashboard with KPI cards for Customers, Schedules, Financed, On-Time rate, Overdue total, and monthly Revenue, alongside a payment-status donut chart and a monthly revenue bar chart.

Let your buyers help themselves

Every customer gets their own secure login where they can view their payment schedule, check their balance, see their payment history, and make payments. Fewer phone calls for you. More transparency for them.

Secure customer login
View payment schedule and balance
Make payments online
View payment history
Access messages and notifications

Payment Progress card showing Total Paid, Remaining Balance, Start Date, and current payment number, with a Take Payment action button.

One platform for every lot

Whether you've got one location or several, FastPay keeps everything organized under one account. Set up admin and staff roles so your team has access to exactly what they need — no more, no less.

Manage multiple dealership locations
Admin and staff permission levels
Role-based access control
Per-location inventory tracking

Dealer accounts page grouped under AutoMax Dealership with columns for Email, Admin, and Active — showing role-based access control for staff across a dealership.

When a deal goes south, stay covered

Nobody likes repos, but when they happen, FastPay handles it cleanly. Lock the customer's account, freeze the payment schedule, and maintain a complete audit trail. Everything is documented if questions come up later.

Full account lockdown on repossession
Payment schedule frozen
Complete audit trail
Event logging for compliance

Payment Schedules list showing mixed account statuses, including a row with a Repossessed status alongside healthy active loans.

Every action. Every payment. Every conversation. Logged.

BHPH dealers face real compliance requirements. FastPay automatically logs every payment, every login, every email, every status change — and keeps financial records for 2 years. When an auditor or attorney asks a question, you've got the answer.

Automatic event logging for all actions
Payment lifecycle tracking
Email and SMS delivery logging
Login and authentication tracking
2-year retention for financial events
Admin dashboard for reviewing activity

Messages log showing every notification sent out with timestamps, event type, channel, delivery status, and the message body — a row-by-row audit of outbound communication.

See it all in action

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