Send a text. Get paid in seconds.
Text-to-pay, itemized invoicing, saved cards, bulk requests, automatic reminders, optional surcharging, and branded receipts — purpose-built for independent dealerships, BHPH lots, and service departments.
Month-to-month. Cancel anytime. No setup fees.
Take chip and tap payments right on the lot.
Tap to Pay on iPhone turns your reps’ phones into card readers — no hardware, no cables, no separate POS. Add a Lotly card reader when you want a dedicated device at the sales desk or a smart terminal for high-volume rooftops.
- iPhone Tap to Pay— iPhone XS or newer, iOS 16.4+. Chip, contactless, and Apple Pay accepted.
- Lotly mobile, countertop, and smart readers — shipped ready to pair.
- Every in-person swipe rolls into the same dashboard as your text-to-pay links — one reporting view.
One product. Every payment scenario.
Down payments, weekly notes, service deposits, doc fees, delivery fees, RO balances — Lotly Payments handles the whole book.
Text-to-pay
Send a payment link over SMS. Your customer taps once, pays in seconds -- Apple Pay, Google Pay, or card. No apps, no logins, no portals.
Itemized invoices
Add line items with quantity and unit price for down payments, weekly notes, RO parts & labor, docs and taxes. The customer sees exactly what they're paying for.
Automatic reminders
Unpaid link? We nudge at 24 hours, 72 hours, and 7 days over SMS and email. Reminders auto-cancel the moment they pay.
Optional surcharging
Pass the credit-card fee to the customer where it's legal. Default 2.95%, hard-capped at 4%, blocked on debit -- so you stay Durbin-compliant automatically.
Cards on file
Save a card once, charge it later in one click. Perfect for BHPH weekly payments, service deposits, and repeat customers.
Bulk requests
Upload a CSV of your BHPH book. Send hundreds of payment links in one shot with a 4/second throttle so carriers stay happy.
Branded PDF + SMS receipts
The second a payment lands, your customer gets a branded PDF receipt by email and a short thank-you text with a link to the receipt. No manual work.
Refunds & reports
One-click refunds (partial or full), a live payments dashboard, CSV export for reconciliation, and a full audit trail on every transaction.
QuickBooks + Xero sync
Every paid invoice posts to QuickBooks Online or Xero automatically. Processing fees hit a separate expense account so your books reconcile the first time.
Three steps from text to paid.
Create the request
Pick a customer, add line items, choose whether to pass the card fee. Takes 20 seconds.
Send the link
We text them a secure pay-link. Apple Pay, Google Pay, or card -- their choice.
You get paid
Funds land on your schedule. Receipt sent automatically. Reminders handle the rest.
One workflow for every payment on the lot.
Down payments, doc fees, delivery deposits -- collected before the car leaves the lot.
Weekly note collection with saved cards, automatic reminders, and bulk requests when Friday hits.
Approve the estimate over text, collect the deposit, then charge the balance when the RO closes.
Answers before you ask.
Do I need a merchant account?+
No. Lotly Payments handles onboarding for you. We'll walk you through a short KYC form and you can start taking cards within a day.
Can I really pass the credit-card fee to my customer?+
In most U.S. states, yes -- for credit cards only. Debit surcharging is blocked at the software level to keep you Durbin-compliant. We default to 2.95% and cap it at 4%.
What about chargebacks?+
You get a live dispute view in the dashboard and email alerts the moment one opens. We help you compile the evidence packet.
Do you charge extra for SMS?+
No. Text-to-pay, reminders, and SMS receipts are all included. No per-message fees.
How do saved cards work with BHPH?+
Once the customer pays once, you can save the card with their consent. Then every Friday you click Charge and the note is collected -- no back-and-forth over text.
Can I use Lotly Payments without the AI receptionist?+
Yes. Lotly Payments is a standalone product. You can subscribe to it on its own -- and if you later want the AI receptionist too, you flip it on from the same dashboard.
Ready to stop chasing payments?
Start free. Send your first payment link in under two minutes.