Enrolling customers in autopay

Enroll customers in recurring autopay, smart autopay, and learn how to manage autopay.

April 30, 2026

What is autopay?

Autopay is a feature that allows customers to schedule recurring automatic payments from their chosen payment method. Enrolling customers in autopay can help improve on-time payments and reduce delinquencies.

Autopay Enrollment Options

Carpay supports two ways to enroll customers in autopay:

1. Customer Self-Enrollment (Customer-Initiated)
   Customers enroll themselves in autopay through the Carpay app or web portal.

2. Dealer-Assisted Enrollment (Admin-Initiated)
   You can set up autopay for a customer from the Carpay dealer site when taking a payment or managing their account.

Customer Self-Enrollment

Customers can enroll in autopay on their own by:

1. Logging in to the Carpay customer web portal or mobile app.
2. Navigating to the Settings section in their account.
3. Navigating to the Autopay section within Settings.
4. Selecting the payment method they want to use.
5. Choosing the autopay schedule (due date, frequency).
6. Confirming and saving the autopay settings.

Once enrolled, autopay will run according to the customer’s schedule and charge their chosen payment method automatically on each payment date.

Dealer-Assisted Autopay Enrollment

You can enroll a customer in Autopay directly from the Carpay dealer site. Smart Autopay allows customers to make recurring payments automatically, either based on their normal payment schedule or through a custom billing setup.

Carpay offers two autopay options:

• Standard Autopay (based on the customer’s regular DMS payment schedule)

  • Supported DMS platforms
    • Wayne Reaves AutoManager
    • DMO (Desk Manager Online)

• Custom Billing Schedule (used to override the regular schedule with different payment dates or amounts)

  • Supported DMS platforms
    • Wayne Reaves AutoManager
    • DMO (Desk Manager Online)
    • iDMS
    • Dealer Center
    • Wayne Reaves FoxPro
    • AMS (Auto Master System)
    • Auto Action
    • Frazer

Standard Autopay

You can enroll a customer in autopay directly from the Carpay dealer site:

1. Log in to the Carpay dealer site with your credentials.
2. Search for the customer account you want to enroll.
3. Open the customer’s profile.
4. Select Smart Autopay, and then Enable Autopay.
5. Enter the customer’s chosen payment method.
6. Choose the payment frequency and start date.
7. Save the autopay enrollment.

This method is useful when the customer wants help setting up their recurring payments.

Custom Billing Schedule

If the customer wants an autopay schedule that differs from their standard schedule, you can enable a custom billing plan:

1. Log in to the Carpay dealer site with your credentials.
2. Search for the customer account you want to enroll.
3. Open the customer’s profile.
4. Select Smart Autopay, and then Enable Autopay.
5. Toggle on Custom Billing Schedule during enrollment.
6. A pop-up window will appear where you can select the frequency, choose a start date, and adjust payment amounts if needed.

Enabling a Custom Billing Schedule will override the customer's default autopay schedule. This method is especially helpful when customers need assistance setting up recurring payments or want a customized automatic payment plan.

Editing or Canceling Autopay

To update or stop a customer’s autopay:

1. Locate the customer’s account on your dealer site.
2. Go to the Smart Autopay section.
3. Toggle the Autopay Enabled flag to off/disabled.
4. You can also edit individual payments if a customer wants to keep autopay, but skip a payment (for example).

Customers can also make these changes on their own in their web portal or app.

Other Actions You Can Take, After Autopay Enrollment

Once a customer is enrolled in Autopay, you can use Custom Billing Schedule tools to adjust how and when payments are drafted. A Custom Billing Schedule gives you additional scheduling flexibility without requiring manual individual payments each period.

You can:

• Provide a one-time due date extension — move a payment due date to a future date and add fees if applicable.
• Split an installment into smaller payments — break a scheduled payment into two or more amounts.
• Build a custom payment schedule — change draft frequency (weekly, biweekly, monthly) and have installments draft until the balance is paid in full.

Note that these changes support Autopay functionality, but any formal loan contract changes must be handled according to your policies and loan documentation.

Autopay Best Practices

• Confirm customer consent before setting up autopay on their behalf.
• Verify the payment method details before enrolling.
• Remind customers they can edit or cancel autopay at any time.
• Use autopay to help reduce late payments and administrative follow-ups.

Important Fee Rules for Autopay

Due to Visa card network rules, Carpay platform fees or dealer convenience fees cannot be charged on recurring (Autopay) payments.

This means:

• Fees may apply to one-time payments, depending on payment type
• Recurring autopay transactions must be processed without added fees
• This rule applies regardless of whether autopay is set up by the customer or by the dealer

Carpay enforces this automatically to ensure compliance with card network requirements.