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Automotive

Dealers, OEM captive finance, and mobility platforms — convert showroom visits and settle large tickets with the right mix of card, bank, and A2A rails.

Vehicle purchases blend emotional decisions with heavy compliance. StixPay supports live affordability signals at the desk and account-to-account settlement for deposits or full payment — alongside direct card acquiring where contracted — reducing friction on five-figure tickets and aligning with how corporate buyers already pay.

Use case 1

Dealer-floor financing

Traditional paper income proofs slow the F&I office. Connecting the buyer’s bank (with consent) lets your scoring engine read verified inflows and obligations before you print an APR.

Flow

1. Customer selects vehicle and financing option.
2. Opt-in bank connection powered by StixPay.
3. Instant analysis against your policy matrix.
4. Offer, monthly payment, and term displayed on tablet or kiosk.
5. Contract e-sign; handoff to booking systems.

Impact

↑ close rateFewer “come back with payslips” drop-offs

ComplianceAudit trail for consent and data access

Use case 2

High-value vehicle payment (A2A)

Friction

• Card ceilings and split-tender awkwardness
• Wire cut-off times and manual reconciliation
• Fraud review on unusual card velocity

Approach

Initiate a bank-authorised push payment with VIN or order ID in the reference. Funds land on your platform collection account with machine-readable status for DMS / ERP.

Impact

↓ feesAvoid high-ticket interchange on large balances

ControlStraight-through posting when webhooks confirm

Motor finance and distance-selling rules vary by market. StixPay provides connectivity; your legal team validates copy, cooling-off periods, and intermediary status. Vertical and jurisdiction acceptance is case-by-case after KYB.