← Stories
Automotive
Dealers, OEM captive finance, and mobility platforms — convert showroom visits and settle large tickets without card limits.
Vehicle purchases blend emotional decisions with heavy compliance. StixBNK supports live affordability signals at the desk and account-to-account settlement for deposits or full payment — reducing card fees on five-figure tickets and aligning with how corporate buyers already pay.
Use case 1
Dealer-floor financing
Traditional paper income proofs slow the F&I office. Connecting the buyer’s bank (with consent) lets your scoring engine read verified inflows and obligations before you print an APR.
Flow
- Customer selects vehicle and financing option.
- Opt-in bank connection powered by StixBNK.
- Instant analysis against your policy matrix.
- Offer, monthly payment, and term displayed on tablet or kiosk.
- Contract e-sign; handoff to booking systems.
Impact
↑ close rateFewer “come back with payslips” drop-offs
ComplianceAudit trail for consent and data access
Use case 2
High-value vehicle payment (A2A)
Friction
- Card ceilings and split-tender awkwardness
- Wire cut-off times and manual reconciliation
- Fraud review on unusual card velocity
Approach
Initiate a bank-authorised push payment with VIN or order ID in the reference. Funds land on your platform collection account with machine-readable status for DMS / ERP.
Impact
↓ feesAvoid high-ticket interchange on large balances
ControlStraight-through posting when webhooks confirm
