Activating a Carpay account for your dealership | Carpay Help Center

Activating a Carpay account for your dealership

How to sign up for Carpay and how to get started.

February 2, 2026

Activating your dealership account is a simple process that will get you ready to start accepting payments as quickly as possible. This article walks you through each step of activation and explains what information you’ll need along the way.

❗Before You Start

To complete activation, make sure you have the following ready:

Your dealership's legal business information
Owner or principal details
Bank account information (including a voided check or bank letter)

If you don't have everything available, you can save your progress and return later.

Step 1: Start Account Activation

Click Activate Your Account to begin.

You’ll answer a few setup questions so we can configure your account correctly, including:

Whether you accept credit card payments
Whether you use an RFC for BHPH accounts
Whether you operate more than one location

Step 2: Enter Business Information

Next, provide your dealership’s basic business details:

Legal business name
Business structure
Business start date
Federal Tax ID (EIN)

This information is required to verify your account and ensure funds are deposited correctly.

Step 3: Add Owner Information

You’ll be asked to enter information for the dealership owner or principal, including:

Full name
Contact information
Their SSN & drivers license information

This step is required for compliance with the Patriot Act and account approval.

Step 4: Provide Banking Details

Upload a voided check (or bank letter) for the bank account where deposits should be sent.

You may also upload a recent merchant processing statement if available. This is optional, but it can help us review your current rates.

Step 5: Done!

After the application is completed, Carpay will send an electronic signature request for the merchant application within 48 hours.

Carpay Application

Once the application is signed, dealers can expect to be live in as soon as 7-10 business days.