What is included with Carpay | Carpay Help Center
What is included with Carpay
Overview of all Carpay services, including customer payment options, notifications, loan management tools, automation, and dealer dashboard features.
February 2, 2026
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.