Carpay Blog

Straight talk for the lot.

Notes on collections, compliance, and the economics of a BHPH deal, written by people who have run the lot, not just read about it.

New every other weekWritten by the Carpay team
Anyone Know a Good Repo Company in ___? The Carpay Repossession Company Directory, with a ZIP and company search box above a map of the United States LatestMatt Darling 3 min read

Anyone know a good repo company in ___?

A free directory to help BHPH dealers find repo companies by ZIP, town, company name, or state.

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Dealer reviewing accounts on a tablet with the inventory lot outside the window Product & PaymentsMatt Darling 8 min read

The text-to-pay adoption playbook.

Getting a skeptical book of borrowers to opt in and stick. Adoption isn’t one decision the borrower makes — it’s a handful of things the lot does on purpose.

 Customer entering a PIN on a card terminal at the counter Dealership EconomicsMatt Darling 6 min read

What card processing really costs your lot.

And how to stop eating the fee. Card processing never arrives as a clean invoice — it comes out of the deposit before you see it.

 Balance is not payoff — a dealer showing a customer the account summary on a tablet Collections & ComplianceMatt Darling 5 min read

“What’s my balance?”

When a BHPH customer asks what they have left, giving them a number may be the least useful thing you can do.

 Turn “I’ll do it later” into “Paid. Done.” — an endless social feed beside the Carpay payment screen Product & PaymentsMatt Darling 5 min read

Paying your car note should be about as hard as scrolling Instagram.

Nobody wants to engage with their car payment. They want to open the app, pay you, and leave.

 When “paid” still means waiting — a dealer at the counter reviewing receipts beside an open cash drawer Product & PaymentsMatt Darling 5 min read

You collected the money. So where is it?

Two to three business days sounds reasonable on a merchant services application and looks absurd on a calendar.

 Just the Price, Please — a phone on a counter beside car keys showing a text that reads: What’s the out-the-door price? Sales & LeadsMatt Darling 5 min read

Just the price, please.

The out-the-door call is getting more common on BHPH lots. Answer it, then put the number that actually matters next to it.

 Will they pay? Dealer shaking hands with a customer across the desk at D1 Motor Co. Dealership EconomicsMatt Darling 7 min read

Every car you sell is a bet. The process is how you stack the odds.

You can’t control the person who drives off your lot. You can control everything that happens after.
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Collections tactics, rule changes worth knowing about, and the numbers behind them. No fluff, and one click to leave.

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