Auto dealerships
Three profit centers. One engagement.
Bartine rebuilds the dealership P&L from three angles at once — a transparent F&I portfolio that customers actually buy, a fully automated Parts & Labor warranty program that adds service-drive income with zero advisor effort, and a zero-cost merchant processing program integrated with your DMS. Margin recovery starts with the next deal jacket.
F&I · Fixed-Ops · Payments20+
F&I products in the portfolio
$0
Net cost of merchant processing
100%
Of qualifying ROs warrantied — automatically
0
Advisor minutes added per repair
2–4%
Recovered margin on every card-paid RO
100%
Dealer profit participation on FOA-generated warranty reserves
1
DMS integration covers all three programs
What we fix
F&I. Fixed-Ops. Payments. The three lines where dealers leak the most.
Each runs on its own — but the engagement is one signature, one implementation, and one point of accountability.
F&I Revenue Optimization
A 20+ product portfolio priced transparently. Adoption rates rise because customers stop feeling negotiated against — and per-unit profit rises with them.
Details →Fixed-Ops Automation (FOA)
Every qualifying customer-pay repair is automatically wrapped in a Lifetime Parts & Labor warranty. Service advisors do nothing different. Premium reserves accrue to the dealer.
Details →Zero-Cost Merchant Processing
Compliant surcharge program eliminates interchange, terminal, gateway, PCI, and account fees across the parts counter, service drive, and sales floor — DMS-integrated, CDK-compatible.
Details →Pillar 01 — F&I revenue optimization
Twenty-plus products. Transparent pricing. Higher adoption.
Customers buy when the price doesn't feel made up on the spot. Every product in the portfolio is competitively priced and openly disclosed — which is why attachment rates and per-unit profit move in the same direction.
01
Vehicle Service Contracts
Comprehensive coverage on new and used vehicles, with multiple tiers and wraps to match deal structure.
02
Limited Warranties
Powertrain and customer-pay coverage that drives competitive differentiation on the lot.
03
GAP Coverage
Pays the gap between loan balance and totaled-vehicle value, capturing customers most insurers leave exposed.
04
Pre-Paid Maintenance
Locks future service visits to the dealership and lets customers budget routine maintenance up front.
05
Tire & Wheel Protection
Coverage for tires, wheels, sensors, and cosmetic alloy/chrome repair from road hazards.
06
Appearance Protection
Interior and exterior surface protection backed by warranty coverage.
07
Dent & Ding Protection
Paintless dent repair for door dings, dents, and hail with zero out-of-pocket on every qualifying claim.
08
Key Replacement
Covers replacement and reprogramming of keys and remotes.
09
Windshield Protection
Applied film that resists chips, cracks, and improves visibility.
10
Bundle Programs
Configurable bundles that present multiple products in one offering, lifting take-rates.
11
Excess Wear & Tear
Closes the end-of-lease exposure gap that auto insurance never covers.
12
Theft Deterrents
Deterrent technology paired with financial benefit if the deterrent fails.
13
GPS Tracking
Stolen-vehicle recovery and location technology.
14
Vehicle Wrap Program
Mechanical failure coverage beyond a standard bumper-to-bumper exclusion.
15
Diminished Value Protection
Covers post-accident value loss that primary insurance won't address.
16
Total Loss Protection
Credit toward a replacement vehicle after a total-loss event.
17
Vehicle Theft Protection
Credit toward a replacement vehicle if a stolen vehicle is not recovered.
18
EV Battery Coverage
Replacement or repair coverage for EV batteries based on age and mileage.
19
Nitrogen Tire Inflation
Improves tire life, fuel economy, and handling.
20
24-Hour Roadside Assistance
Towing, fluid delivery, jump-start, lockout, rental reimbursement, and key recovery.
Pillar 02 — Service-drive warranty income
Every qualifying repair gets a Lifetime Parts & Labor warranty. Without anyone lifting a finger.
Fixed-Ops Automation runs inside the DMS. Qualifying customer-pay repairs receive a genuine limited warranty automatically, disclosed on the RO and emailed to the customer the next day. Service advisors keep doing their jobs.
01
RO is generated
Customer comes in for a paid repair. A standard repair order opens in the DMS exactly as it always has.
02
Warranty attaches automatically
Through the FOA platform's DMS integration, qualifying line items are flagged and the Lifetime Parts & Labor warranty is included and disclosed directly on the RO. No clicks, no keystrokes, no paperwork.
03
Contract delivers itself
When the RO closes, warranty details transmit to the administrator, who emails the digital warranty contract to the customer no later than the next day.
+ELR
Effective Labor Rate rises.
The warranty is a “why repair here” reason that reduces discounting and shrinks lost-sale conversations on higher-ticket repairs.
100%
Dealer profit participation on premium reserves.
Every FOA contract produces a reserve. Reserves can flow to a Retro, DOWC, CFC, or Super-CFC reinsurance structure — owned by the dealer.
0 minutes
Added to the advisor workflow.
No upsell, no F&I involvement at the service drive, no extra paperwork. Qualifying repairs get the warranty; non-qualifying repairs don't — compliance is built into the automation.
Our dealership is so confident in the repair work that our highly trained technicians provide, we guarantee our repairs for as long as you own your vehicle.
THE CUSTOMER-FACING PROMISE — PRINTED ON EVERY QUALIFYING RO
Pillar 03 — Zero-cost processing
Stop paying card fees on parts, service, and front-line sales.
A compliant customer-surcharge program moves interchange, terminal, gateway, PCI, and account fees off the dealer's P&L — across every department that touches a card.
Complimentary terminals across the parts counter, service cashier, and showroom.
DMS integration including CDK and other major platforms.
Disclosure handled end-to-end — signage, receipt language, and POS prompts required by network rules.
Optional customer rewards that turn the surcharge moment into a return-visit incentive.
Ongoing 50-state compliance management, not just initial setup.
Effective rate on card sales
Dealer cost as a share of card volume
Traditional
With Bartine
Recovered across the parts counter, service drive, and sales floor.
| Fee line | Traditional processor | With Bartine |
|---|---|---|
| Interchange | 2–4% per transaction | Zero |
| Terminal fee | $50–$100/month | Zero |
| Account fee | $10–$50/month | Zero |
| PCI compliance | $5–$20/month | Zero |
| Annual fee | $50–$100 | Zero |
| Gateway fee | $10–$30/month | Zero |
| Effective rate on card sales | 2.5–4.0% | 0% |
The process
Three steps. One signature. Three new profit lines.
One implementation team sequences all three pillars so nothing collides with month-end — and every projection comes back reconciled in writing.
01
Dealer Audit
We pull twelve months of F&I per-vehicle retail (PVR), service-drive RO volume, and merchant processing statements. The audit returns a written number for each pillar: projected F&I lift, projected FOA reserve accrual, and recovered processing fees.
02
Integration
DMS integration, POS configuration, F&I menu refresh, and FOA platform deployment — sequenced over 30–60 days to avoid month-end disruption.
03
Go Live & Measure
First full month after go-live, we sit with the GM and the controller and reconcile actual results against projection — by department, by line, in writing.
Audit the three lines. Decide on the math.
Free dealer audit. We quantify F&I lift, projected FOA reserve income, and recovered processing fees before any platform goes live.
Questions
The answers dealers ask first.
No. The programs integrate with most major DMS platforms — CDK and the other primary providers are supported. We confirm integration during the audit.
No. That's the whole point. Qualifying customer-pay ROs automatically receive the Lifetime Parts & Labor warranty through the DMS integration. Advisors do not upsell, sign, or file anything additional.
The dealer. Premium reserves from FOA-generated contracts are 100% eligible for dealer profit participation — typically routed through a Retro, DOWC, or CFC/Super-CFC reinsurance structure.
Yes. It's a compliant customer-surcharge model permitted by Visa, Mastercard, federal law, and all 50 state laws — implemented with the required disclosure signage, receipt language, and POS prompts at every touchpoint.
Operators who run the program with the required signage and prompts report effectively no impact on conversion. Debit and cash payments see no surcharge at all.
Not necessarily. The portfolio can run alongside or replace existing menu providers depending on the audit findings. Most dealers consolidate — fewer admins, transparent pricing across the board.
From single-rooftop independents through multi-store franchise groups. The audit math scales — the larger the throughput, the bigger the recovered margin across all three pillars.