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Automotive

Dealers, OEM captive finance, and mobility platforms — settle large tickets with open banking routing, or send an invoice payment link when the buyer pays later.

Five-figure deposits break card ceilings and inflate interchange. StixBNK routes account-to-account payments with bank SCA for showroom checkout, and issues invoicing & payment links when the customer settles after delivery paperwork — same routing layer, same webhooks into your DMS.

Use case 1

Showroom Pay by bank (routing)

Friction

• Card ceilings and split-tender awkwardness
• Wire cut-offs and manual reconciliation
• High interchange on large balances

Approach

Create a collection with VIN or order ID in the reference. StixBNK routes to the right open banking provider for the market; the buyer authorises in their bank app.

Impact

↓ feesAvoid high-ticket interchange

ControlStraight-through posting when webhooks confirm

Use case 2

Post-visit invoice & payment link

When the buyer leaves a deposit in-store and settles the balance later, issue a structured invoice from StixBNK, email the PDF with a hosted payment link, and collect on the same open banking rails — no separate “pay by link” vendor.

Flow

1. Dealer issues the balance invoice (options, taxes, delivery).
2. Customer receives email + pay link.
3. Bank SCA completes; DMS updates on webhook.
4. Payer receipt mirrors merchant confirmation.

Impact

UXPay from home without card limits

One stackShowroom A2A and invoice links share routing

Motor finance and distance-selling rules vary by market. StixBNK provides routing and payment links; your legal team validates copy, cooling-off periods, and intermediary status.