Pay by Bank (Payment Request)

Modified on Mon, Jun 15 at 12:28 PM

Pay by Bank lets customers pay directly from their bank account through a payment request link. The customer receives a text or email, clicks the link, and enters their own bank details — no bank information is entered by dealership staff.

Pay by Bank vs. ACH Direct Debit — what's the difference?

Pay by Bank (this article) is customer-initiated. You send a payment request link; the customer selects Pay by Bank and enters their own bank details.

ACH Direct Debit is staff-initiated. You open the payment modal and enter the customer's bank details yourself. See Process an ACH Direct Debit Payment.

Your dealership can have one, both, or neither feature enabled. If you don't see Pay by Bank as an option on the customer's payment link, contact DealerWorks Support to confirm whether it's enabled on your account.

Step 1 — Start a Transaction

Before sending a payment request, you must open the repair order in DealerWorks. The steps differ depending on whether your dealership is integrated with a DMS. Follow the guide that applies to your setup, then return here.

Integrated with DMS

Repair orders sync automatically from your DMS

Search for the repair order, confirm the balance, then click Payment →

Without DMS Integration

Enter customer details and the amount manually

Select department, fill in the form, then click Receive Payment →

Step 2 — Send a Payment Request

Once the payment window is open, send the customer a payment request link. Pay by Bank will appear as one of their payment options when they click the link.

1 In the payment window, select the Payment Request tab.
2 Enter the customer's phone number (for text) or email address (for email), then click Send Payment Request.

What happens next: The customer receives a link via text or email. As long as your dealership has Pay by Bank enabled for payment requests, the customer will see it as a payment option when they open the link. They enter their own bank details and submit — no further action is needed from staff. The transaction status in DealerWorks updates within 1–2 business days. Funds reach the dealership's bank account within 3–5 business days.