--- title: How to Save Money When Accepting Over-the-Phone Payments description: Learn about the vulnerabilities you may face with over-the-phone payments and how to make these transactions more secure and less costly at your dealership --- ![](https://guides.payjunction.com/hubfs/LANDING%20PAGES/Ethical%20Checklist/logo-white-sm.png) 800-601-0230 [tel:8006010230](tel:8006010230) # Do You Take Over-the-Phone Payments at Your Dealership? Download the How to Save Money When Accepting Over-the-Phone Payments At Your Dealership white paper today. **Let’s set the stage for a typical day at your dealership.** Your customers drop off their cars at your bustling service department and head out to lunch while repairs are made. A technician notices an issue and calls the customer for permission to move forward with the repair. An over-the-phone payment is made to authorize the transaction before the work is done and the customer comes by later that afternoon to pick up the car. Card-not-present transactions, such as over-the-phone and online payments, are riskier than those conducted in person. Due to this greater risk of fraud, card-not-present rates are higher. Additionally, failing to obtain the right data during payment could increase your rates further still. If you take $50,000 in over-the-phone payments each month, you could be paying $275 more in credit card processing fees than necessary. Learn what you need to know to fight fraud at your dealership and lower your rates.   --- PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628).