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jwilmore@one2create.co.uk

a stylised image of a partnership between eDynamix and Paymentassist

Payment Assist and eDynamix Partnership Streamlines Payment Processes

Payment Assist and eDynamix Partnership Streamlines Payment Processes 800 419 Payment Assist Blog

In a bold move to streamline payment processes for the dealerships we support, we’re delighted to announce a strategic partnership with eDynamix.

eDynamix is the developer of exsto, a powerful automotive software platform built to streamline dealership payment processes, enhance customer experience, and drive digital transformation across the retail automotive sector.

Together, we aim to deliver an integrated payment solution within the exsto Customer Engagement Platform under the exstoPay suite.

What This Means for Car Dealerships

As our official partner, eDynamix helps their UK dealerships offer a wide range of payment options, including Card Services, Open Banking, and Buy Now Pay Later – powered by Payment Assist, all from a single, unified platform. It will also simplify onboarding delivered by a trusted UK provider.

“Payment solutions in the garage network are often complicated and multi-sourced. Our integration with exstoPay removes the complexity caused by disconnected systems. One platform to manage all payment types means greater efficiency and cost-effectiveness for dealers.” – Chris Masters, Chief Payment Officer at Payment Assist

Reshaping Automotive Payment Management

We’re already trusted by over 8,000 garages, but by working with eDynamix, we aim to make payment processes and customer onboarding simpler and more efficient for dealerships and repair centres across the country. This new partnership forms a key part of our commitment to stay at the cutting edge of payment technology in the automotive sector.

“This partnership is an important step forward in our mission to simplify dealership operations. Working with Payment Assist allows us to offer an embedded, end-to-end finance solution that benefits both dealers and their customers.” – Ian Nickalls, CEO at eDynamix.

Ready to Streamline Your Dealership Payment Options?

Efficiency and ease of use are central to what we do at Payment Assist. We’ve got a track record of working closely with industry innovators to ensure that we provide the best possible payment solutions in a way that’s simple, accessible, and effective.

“We’re thrilled to be partnering with such a well-established and respected business as eDynamix. This collaboration goes beyond technical integration – it’s a clear statement of intent. It reinforces our commitment to delivering smarter, more connected finance solutions that genuinely support both dealerships and their customers.” – Marcus Gregory, CEO at Payment Assist 

Sign up today to experience the benefits of 0% car repair finance, or get in touch to find out more.

'ready to optimise your payment processes with exstoPay'?

FAQ

  • What is exstoPay?

    exstoPay is a digital payment platform designed for automotive retailers to manage customer payments and finance options in one place.

  • How can dealerships offer more payment options?

    By using platforms like exstoPay, dealerships can easily provide card payments, Open Banking, and Buy Now Pay Later through a single system.

  • What are the benefits of integrated payment systems for dealerships?

    Integrated systems simplify payment management, speed up onboarding, reduce admin, and offer customers more flexible finance choices.

  • How do I set up integrated payment solutions for my dealership?

    You can sign up directly with a payment provider like Payment Assist to get started quickly.

A small model blue car next to a calculator

Why Repair Centres Trust FCA-Regulated Finance Providers

Why Repair Centres Trust FCA-Regulated Finance Providers 1200 628 Payment Assist Blog

When your customers are facing an unexpected car repair bill, the chance to spread the cost can be a lifesaver. Repair centres across the UK are now offering car repair finance solutions to let customers pay in instalments rather than a single lump sum.

With an unpredictable financial climate, these plans have become more and more popular as drivers juggle essential expenses. However, not all finance providers are created equal. Increasingly, garages, repair centres, and dealerships are choosing partners regulated by the Financial Conduct Authority (FCA). There’s a good reason for this – FCA regulation brings responsible lending and stronger customer protection.

What is FCA Regulation?

The FCA is the UK’s financial regulator, overseeing everything from banks to loan providers and car repair finance companies, too. When a finance company is FCA-regulated, it has to follow strict rules that put customers first. Responsible lending is a key part of this, and it means checking that a credit agreement is actually affordable for the customer before approval. For a car repair finance plan, an FCA-regulated provider will run proper affordability checks and clearly explain the terms. This protects people from taking on more debt than they can manage.

FCA regulation also means transparency and fair treatment.

Regulated lenders have to present all fees, charges, and conditions upfront with no hidden surprises. They’re obligated to treat customers fairly throughout the process, too. For example, if a car repair finance solution is advertised as 0% interest, it can’t sneak in extra costs elsewhere. If a customer has a complaint or runs into difficulty, a regulated provider has formal procedures to help them out.

Concerns can be escalated.

In fact, borrowers can even escalate any issues to the financial ombudsman if needed – a safety net that isn’t always provided by unregulated finance companies. All these protections give you and, by extension, your customers, confidence that the finance is safe and reputable. When your customers feel safer, and your garage or dealership earns trust, then everyone’s a winner.

What Are the Pitfalls of Unregulated Options?

Not all payment plans for repairs come under FCA oversight. Some popular buy now, pay later services in the motor trade operate outside regulated territories. These unregulated options might approve customers with minimal vetting, skipping credit history checks or affordability assessments. This might sound positive, but it can lead to loan stacking.

What is loan stacking?

Essentially, it’s when a driver ends up with multiple overlapping payment plans from different sources, and the combined debt becomes overwhelming. Without proper checks and responsible lending, someone could finance a clutch replacement at one garage and a brake fix at another, not realising the total commitment they’ve taken on. The authorities have noted the dangers of unregulated finance providers across sectors, with the FCA recommending further regulation.

A small red model car in front of stacks of coinsThere are risks around the ways that unregulated plans are sold.

Without regulation, there’s nothing to prevent aggressive sales tactics or hefty staff commissions for signing customers up. Someone might be tempted to push an unneeded finance plan just to earn a bonus, which might not be in the best interests of your customers or your business. In simple terms, the ‘quick and easy’ appeal of an unregulated finance deal can backfire.

Bank-Backed Financing Gives Extra Security

Another factor that boosts trust is when a finance provider is backed by a reputable bank. Bank-backed financing means the provider has the financial support of an established institution behind it, which adds another layer of stability. Not only does this provide peace of mind for those who own repair centres or dealerships, but it also implies the funding for customers’ payment plans is reliable and that the provider isn’t flaky.

Usually, though not always, being bank-backed goes hand-in-hand with being FCA-regulated. Take Payment Assist, for example. We’re proud to be FCA-regulated, and we’re also backed by Conister Bank, which itself works closely with the FCA to provide responsible lending solutions.

It’s No Surprise That Businesses Use FCA-Regulated Providers

With the advantages of compliance, transparency, and customer goodwill, businesses are experiencing the benefits of working with FCA-regulated finance partners. In the automotive and car repair sector, trust and reputation are everything. Offering a safe, clear payment solution is a massive bonus to your business and keeps customers coming back for the right reasons. By sticking with a regulated provider, garages also shield themselves from potential fallout that can come with unregulated schemes.

A woman using an FCA-regulated finance provider on a tablet

Need Bank-Backed, FCA-Regulated Car Repair Finance?

At Payment Assist, we’re dedicated to providing car repair finance you can trust. We’re already partially FCA-regulated and will be fully regulated by January 2026. With backing from Conister Bank, we help garages and dealerships offer instalment plans that put customers first. Our solutions are already in use in repair centres across the UK, assisting drivers in splitting their bulls safely and transparently.

Give your customers the power to say “yes” to necessary work, and sign up for Payment Assist today. Alternatively, get in touch with our team to find out more on 01664 503151.

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FAQs

  • What does it mean when a finance provider is FCA-regulated?

    It means that the provider has official authorisation from the Financial Conduct Authority to offer credit and must follow strict rules designed to protect customers.

  • How can I tell if a car repair finance provider is FCA-regulated?

    FCA-authorised firms like Payment Assist will typically state it on their website or paperwork, often with an FCA registration number, which can be verified through the FCA website.

  • Does FCA regulation mean a finance plan is interest-free?

    Not necessarily. FCA regulation covers the conduct and rules a lender must follow. This does not mean that a product has to have a 0% interest rate. You can find out more about our 0% car repair finance options here.

A row of second hand cars

What’s Driving Growth in the Second-Hand Car Market?

What’s Driving Growth in the Second-Hand Car Market? 1200 628 Payment Assist Blog

The UK second-hand car market is experiencing a boom. In 2024 alone, used car sales jumped by 5.5%, with over 7.6 million second-hand cars sold. This is a strong post-pandemic rebound. So, what’s fuelling this surge in the demand for pre-loved cars? Several key factors are at play, like the rising cost of new cars, supply chain issues and economic pressures. It’s also important to note the electric vehicle (EV) revolution and how this has started to impact the overall cost of running a car.

The Cost of New Cars Has Increased

Brand-new cars have never been pricier. The cost of new cars in the UK has risen in the last few years to around £39,000 on average. Even traditionally affordable models aren’t so cheap anymore – a basic VW Polo now costs over £20,000.

With new car price tags so high, lots of people just can’t justify or afford a factory-fresh vehicle. Instead, they’re turning to second-hand cars as an alternative that’s a bit easier on the bank balance. Plus, new cars lose value quickly in the first year, so letting someone else take that initial depreciation hit by buying nearly-new makes good financial sense.

Supply Chain Woes Have Boosted Used Demand

It’s not just high prices driving people to used cars – it’s also availability. Since 2020, there have been some major supply chain disruptions (like the semiconductor chip shortage) that have cut new car production. In fact, in 2022, the UK saw just 1.61 million new cars registered (versus 2.31 million in 2019)​. Fewer new cars then means fewer used cars now; industry analysts estimate a shortfall of around half a million nearly-new vehicles in the market.

Tight supply means that buyers have been competing over the limited stock, which pushed second-hand prices up and kept demand strong. The new car supply is finally improving, but it will take time for those vehicles to flow into the used market.

Second hand cars on a car transporter

Consumers Are Feeling the Financial Pinch

Another big factor is that British households are really feeling the squeeze when it comes to their finances. High inflation and rising bills have made everyone more cost-conscious. Choosing a used car over a new one can save you thousands of pounds upfront, which is massive when budgets are tight.

It’s easy to see why a driver would go for a reliable second-hand motor instead of taking on a hefty new finance package. Industry experts note that amid economic uncertainty, consumers are increasingly likely to turn to the second-hand market.

Electric Vehicle Adoption Hits the Used Market

The shift to electric cars is shaking up the second-hand car market. A wave of early EV adopters is now trading in their cars, which means more second-hand EVs are on the scene. In fact, 2024 saw record sales of used electric cars. Transactions for pre-owned EVs jumped 57% year-on-year, and it now makes up around 2.5% of all used car sales​.

That share may be small, but it is growing fast.

Drivers are eager to go electric if the price is right, and the used market is making EVs more accessible. Many new electric models carry hefty price tags, but a few years down the line, they can be found second-hand at a much lower cost. Plus, an influx of ex-lease and ex-fleet EVs is starting to nudge used EV prices down, which only encourages more buyers​.

The Cost of Running a Car is Increasing

It’s not just the purchase price of a vehicle that’s risen. The ongoing cost of running a car is a major consideration for buyers. Fuel, insurance, and tax costs have all climbed, with insurance premiums up by around 53% in the past two years​, and petrol/diesel prices (while down from their 2022 peak) are still higher than they were a few years ago.

A car being refuelled

On top of that, changes in taxation are coming into play.

From 2025, electric vehicles will no longer be exempt from road tax; new EVs will have to pay the standard VED rate (around £170 a year), and expensive models will face an extra £425 luxury car surcharge. What’s more, major urban areas like London have expanded low-emission zones that charge older high-polluting cars daily. All these factors make it more expensive to own and run a brand-new, high-value car. When compared with these costs, a second-hand car with good fuel economy and lower insurance groups can be much less of a financial burden.

Budgeting for Second-Hand Car Maintenance

Second-hand vehicles might save your customers money upfront, but they usually mean more work for the workshop. Newer cars tend to get through the first few years with just routine servicing, and if anything does go wrong, the manufacturer’s warranty often covers it, so it never ends up in your hands

Older vehicles are a different matter. You are far more likely to see them in for diagnostics, general repairs or worn-out parts. Tyres, brakes and batteries often need replacing sooner, and once a car passes the three-year mark, the annual MOT can bring up all sorts of issues that need fixing. That puts extra pressure on your team to manage parts, time and customer expectations.

The upside is that many well-maintained used cars are straightforward to work on, and for the common models, parts are usually easy to source and reasonably priced. They might not be perfect, but second-hand vehicles help keep your ramps full and your team busy.

Keep Second-Hand Car Repairs Affordable with Payment Assist

As we’ve discussed, the financial climate is far from predictable at the moment, and the last thing anybody needs is an eyewatering, unexpected car repair bill. At Payment Assist, we provide 0% car repair finance solutions that help your customers handle their car repair costs by splitting them into manageable monthly payments.

Typically a customer will pay 25% of the bill upfront, then spread the rest over the next three months interest-free. That means if you’re working on a used car that needs an expensive fix, you can get your customers back on the road without a big financial burden.

Garages, repair centres, and dealerships across the country have chosen to partner with us, enabling customers to get their cars fixed now and pay later with no extra charges. Sign up today to help your customers spread the cost of your car’s repairs, or get in touch with our team if you have any questions.

An image reading 'want to offer your customers stress-free 0% finance on their car repairs'

FAQs

  • Is it more profitable to work on older cars or newer ones?

    Older cars mean more regular repairs, but margins can be tight if parts are hard to source or jobs take longer. Newer models need less frequent work but bring higher-value diagnostic and tech-based jobs.

  • What should we flag to customers budgeting for a used car?

    Remind them about servicing, tyres, MOTS, and hidden faults. Offering a pre-purchase check is good business and builds trust.

  • Will evs reduce workshop income?

    Not necessarily. less routine servicing, yes, but still plenty to do—tyres, brakes, HV checks, diagnostics. If you’re set up for EVs, it’s an opportunity, not a threat.

Two red and blue figures, a small wooden car, and a bag marked with a £ sign

What the Spring Statement Means for Repair Centres and Dealerships

What the Spring Statement Means for Repair Centres and Dealerships 1200 628 Payment Assist Blog

Chancellor Rachel Reeves’ recent Spring Statement outlined government plans to boost the UK economy, revamp public services, and strengthen national security. Several policies could impact the automotive and repair sector, from infrastructure investment to changes in personal finances. These measures may shape the future of repair shops and dealerships across the UK.

At A Glance:

  • Economic growth is expected from 2026, driven by fiscal stability and consumer confidence.
  • Retaining the fuel duty freeze keeps petrol prices steady, encouraging more driving.
  • Real wages rising and inflation set to drop could boost disposable income for repairs.
  • Infrastructure investments may include road networks and transport hubs.
  • Broadening of digital tax changes (MTD) encourages clearer financial and tax management.

Economic Stability and Consumer Confidence

The UK and the wider global economy have faced significant challenges in recent years, but the Spring Statement brings some optimism. The government’s forecast suggests steady growth from 2026 onwards, driven by new fiscal rules aimed at balancing government spending with revenue. It is also working to reduce national debt as a share of GDP.

According to the Spring Statement, real wages have been rising at their fastest rate in over three years. Inflation peaked at 3.8%, but forecasts suggest it will drop to around 2% by mid-2026.

Consumer Confidence and Auto Repairs

Consumer confidence and income significantly impact repair centres. When people feel financially secure, they are more likely to get their cars serviced regularly and invest in non-essential repairs. With wages rising and inflation coming under control, drivers may be less inclined to delay maintenance.

However, challenges remain. Despite positive news about wages and inflation, rising energy bills and a high cost of living continue to affect personal finances. This could mean that, for many, economic difficulties persist.

A hand, small model car, and set of car keys displaying consumer confidence in auto repair finance

The Fuel Duty Freeze Remains

The UK Spring Statement did not introduce new policies on fuel duty but reaffirmed the government’s commitment to freezing it. This decision, made in the Autumn Budget, is good news for motorists and repair shops alike.

Keeping fuel duty frozen means petrol prices remain lower than they might have been. This leaves drivers with more disposable income, potentially increasing spending on car maintenance. Additionally, cheaper fuel encourages more driving, which can lead to increased demand for repair services.

Infrastructure Investments

The Chancellor announced an additional £13 billion in capital infrastructure funding as part of the Spring Statement, adding to the £100 billion already allocated. While most of this is earmarked for housing and green energy, the government has emphasised investment in communities beyond housing alone. This could include road improvements, transport hubs, and other projects that may impact the automotive and repair sectors.

infrastructure in Birmingham, UK - an aerial shot

Tax and Business Regulations

The Spring Statement addressed tax reforms, with the government aiming to close tax loopholes and crack down on fraud. A key component of this strategy is the expansion of Making Tax Digital (MTD).

MTD is set to roll out for income tax Self Assessment from April 2028, applying to self-employed individuals and landlords earning over £20,000 annually. Transitioning to digital record-keeping now could help businesses streamline financial management and improve efficiency.

Bridging the Skills Gap

The Spring Statement placed significant focus on vocational training, particularly in the construction sector, with £625 million allocated to train 60,000 new workers. While this funding is construction-focused, it signals broader government support for vocational skills development.

Over time, this could extend to the automotive maintenance and repair sectors, particularly as demand for electric vehicle (EV) expertise grows. The government’s commitment to achieving net zero suggests that further investment in EV repair and maintenance training may follow.

Looking to Stay Ahead of the Curve with Flexible Finance Options?

As the economic landscape evolves, offering customers a simple, affordable way to pay for repairs is more important than ever. That’s where Payment Assist can support you. We help repair centres and dealerships provide customers with flexible payment solutions, allowing them to manage unexpected costs without delaying essential work.

With our 0% finance options, your customers can spread the cost of repairs into manageable instalments. This reduces the burden of large upfront payments, making necessary repairs more accessible. Plus, you receive full payment upfront, ensuring stable and secure cash flow.

Get ahead today! Sign up for Payment Assist or contact our team to learn more.

an image encouraging readers to make the most of the spring statement changes with 0% finance packages

FAQ

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  • How can car repair centres prepare for economic changes?

    Staying flexible and proactive is key. Consider investing in digital finance management, prioritising staff training, and offering flexible payment solutions to meet evolving customer needs.

  • What should garages consider regarding workforce development?

    Focusing on vocational training and upskilling employees will help maintain a skilled workforce, especially as demand for quality repairs continues to grow.

  • How might infrastructure investments affect local garages?

    Road improvement projects could increase vehicle traffic and, consequently, repair demand.

  • What can automotive businesses do to attract more customers?

    Offering convenient, affordable finance options can build customer loyalty and encourage regular maintenance, especially as disposable income stabilises.

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Richard and Chris new leadership and Payment Assist Limited

Meet the New Leadership Team Driving Payment Assist Forward

Meet the New Leadership Team Driving Payment Assist Forward 1200 628 Payment Assist Blog

Above: (Left) Richard Sharp. (Right) Chris Masters.

We are delighted to welcome two key additions to our leadership team here at Payment Assist as we gear up for some exciting transformations to help us improve our offering to businesses and their customers across the UK.

Driving this process, Richard Sharp and Chris Masters have stepped into their new roles as Chief Operating Officer and Chief Payments Officer, respectively. Their focus is on pushing innovation, building on our current payment solutions, and ensuring that Payment Assist stays ahead of the upcoming regulatory changes.

Richard Sharp – Chief Operating Officer

Richard is leading the charge on Payment Assist’s operational transformation. With 25 years of experience in consumer lending under his belt, Richard is well-versed in the ins and outs of motor finance, unsecured lending, and risk management. His experience spans major PLCs and challenger banks, so he has a broad perspective on the industry.

Overseeing a major shift towards digitalisation.

This will make processes smoother and more efficient for garages and their customers. He’s also ensuring that Payment Assist is fully prepared for upcoming FCA regulations taking effect in January 2026. Unlike some providers, we’re already partially regulated, but it’s still important that preparations are made so that we can hit the ground running next year.

“I am absolutely delighted to be joining Payment Assist at such an exciting time for the business,” Richard said. “We have ambitious growth plans, and I’m excited to bring my experience in transformation, change, and improving our customer experience, as well as implement risk management measures so that we remain compliant and efficient as we grow.”

A stylised image representing digitalisation

Chris Masters – Chief Payments Officer

Chris brings 18 years of experience in the automotive industry. He’s worked with some of the biggest suppliers and partners in the sector, starting his career at Motors.co.uk before moving to iVendi, where he specialised in business development. Chris’ deep understanding of customer behaviour and purchasing trends makes him the ideal person to spearhead Payment Assist’s next-generation payment platform.

Refining payment processes.

Chris started working with payments back in 2018, and he was an early mover in the drive to help automotive businesses transition to online transactions. Now, at Payment Assist, he’s taking things further by refining payment processes and ensuring the company’s platform is at the cutting edge of technology.

“We have a fantastic foundation from our consumer finance products, but it’s our vision to develop and deliver a best-in-class payment platform for our network,” said Chris. “The motor industry is an amazing sector to work in, with lots of forward-thinking businesses; we want to support them with a solution that will be at the forefront of technology. We’ve structured our teams to create dedicated support for customers and partners, which ensures that payment processing is easy and accessible for businesses.”

A stylised image representing secure and effective payment

What This Means for Payment Assist

Our preparation for the future is a major factor in welcoming Richard and Chris to the team. The sector is constantly evolving, as is Payment Assist, so bringing these leadership appointments on board is crucial to our journey.

How will you benefit?

  • A smarter customer engagement platform. Multi-channel communications that track customer behaviour, making service interactions smoother.
  • AI-powered call analysis. Automated scoring of customer interactions to improve training and service quality.
  • Automated processes. Cutting down on and optimising manual tasks to boost efficiency.
  • Restructured support teams. More dedicated help for customers, partners, and key accounts.
  • Stronger fraud and risk management. Reinforced compliance ahead of the 2026 FCA regulation changes.

By working with expert partners like Contact Web, we’re investing in technology and refining our approach to make sure we continue to be a reliable and forward-thinking partner for businesses across the automotive sector.

Providing Stable Support

With new regulations on the horizon and financial uncertainty affecting the industry, stability matters more than ever. At Payment Assist, we’re proud to be bank-backed and have partial FCA regulations to provide you with a secure and reliable foundation for the future.

Chris summed it up: “Regulatory changes in January 2026 will require businesses in our sector to comply with stricter requirements. Payment Assist is ahead of the curve, already regulated and fully prepared to transition to full compliance.”

We Can Help Your Business Offer More

When you partner with Payment Assist, you get the ability to offer flexible, interest-free payment solutions to your customers. With fast approvals, seamless integration, and a proven track record of reliability, Payment Assist is a failsafe way to improve your service offerings.

Sign up today or get in touch with any questions – our team is here to help.

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FAQ

  • What is FCA regulation, and why does it matter?

    FCA regulation refers to the Financial Conduct Authority’s rules for businesses that provide financial services. It makes sure consumers are protected and ensures fair lending practices and financial stability. By January 2026, businesses in this sector will have to comply with stricter FCA requirements.

  • How are businesses preparing for the 2026 FCA regulations?

    Companies in financial services are reviewing their processes, strengthening fraud prevention, improving compliance measures, and investing in technology to meet stricter regulatory requirements.

  • Why is digitalisation important for financial services?

    Digital transformation streamlines processes, reduces manual work, and improves customer experience. It also helps businesses adapt to regulatory changes and stay competitive in a fast-moving industry.

  • How can AI improve customer interactions in finance?

    AI-powered tools can analyse calls, automate customer engagement, detect fraud, and personalise experiences, leading to better service and more efficient operations.

a handshake overlayed with the contact web and payment assist logos

How AI-Powered Quality Monitoring is Elevating Customer Service at Payment Assist

How AI-Powered Quality Monitoring is Elevating Customer Service at Payment Assist 1200 628 Payment Assist Blog

In the automotive sector, keeping things running smoothly isn’t just about getting the job done – it’s about getting it right. That means maintaining quality, ensuring customer satisfaction, and staying compliant with regulations. To support these goals, we’ve partnered with Contact Web to integrate their Quality AI (QAI) platform into our operations.

Contact Web specialises in AI-powered quality monitoring. Simply put, their system assesses customer interactions and helps us fine-tune our approach. This powerful tool provides real-time insights into service quality, compliance, and efficiency—key factors in running a successful and responsible business.

Why We’re Using AI Monitoring

The simple answer: it makes our processes more efficient. Instead of manually reviewing calls and customer interactions, QAI does it for us. It listens, analyses, and scores every interaction automatically. This allows us to instantly identify areas for improvement and address potential issues before they escalate.

Sentiment Analysis: Understanding Customer Emotions

One of the stand-out features of QAI is sentiment analysis—a system that recognises how customers are actually feeling, not just what they say. If a customer is frustrated, uncertain, or requires extra support, QAI flags it immediately. This ensures that those who need additional assistance receive it promptly, without having to ask twice.

Data-Driven Decisions, Not Guesswork

There’s a lot of talk about ‘data-driven decision-making’, but what does it mean? In practice, it’s about having the right information at your fingertips when you need it. QAI collects and processes data, turning it into actionable insights.

Instead of sifting through endless reports, we gain clear, real-time intelligence to enhance our operations. This includes:

  • Identifying where conversations can be improved
  • Pinpointing areas in customer service that need focus
  • Ensuring compliance standards are consistently met

It’s all about working smarter, not harder.

a happy driver with customer service on his phone getting into a car

Beyond Call Monitoring: A Complete Customer Journey View

Most AI tools only focus on monitoring phone calls, but QAI goes further. It tracks the entire customer journey, from the first point of contact to the final resolution. This holistic approach helps us refine our processes in real-time, ensuring that customers receive a smooth, fair, and efficient experience at every stage.

Improving Complaint Resolution

In the rare event that a complaint or dispute arises, QAI allows us to pinpoint exactly where the issue started. This means:

  • Faster resolution times
  • Greater transparency
  • A more seamless experience for customers

No one enjoys dealing with complaints, but when they do happen, having this extra level of visibility makes a huge difference.

The Impact So Far

We’re still in the early stages of rolling out QAI, but the benefits are already clear. Our initial focus has been on:

Enhancing customer interactions – Identifying what works and what doesn’t

Supporting vulnerable customers – Quickly recognising those who need extra assistance

Streamlining internal processes – Reducing manual effort and improving efficiency

Boosting quality and compliance scores – Strengthening our regulatory framework

A happy customer fills out a customer service review on a smartphone

Richard Sharp, Chief Operating Officer, on the QAI Partnership

“We’re delighted to be partnering with Contact Web and rolling out their QAI platform across our operations. This cutting-edge technology gives my department leads instant access to crucial data, helping us make better, faster decisions. It’s a real game-changer for how we manage quality, support our teams, and deliver the best service for our customers.”

A Step Towards the Future

For us, partnering with Contact Web is about staying ahead of industry trends—not just keeping up. AI-powered quality monitoring is part of a wider innovation strategy to improve efficiency without compromising on service quality.

We’re also preparing for full FCA regulation by January 2026—building on our existing partial regulation. Ensuring that our quality and compliance processes are robust is a vital part of this journey. By using QAI, we can seamlessly manage regulatory changes while continuing to provide exceptional service.

Looking for a Payment Partner That Prioritises Customer Service?

With Payment Assist, you can offer simple, interest-free payment plans to your customers. It helps them spread the cost of repairs and servicing, without hassle or hidden fees.

  • Fast approvals
  • Seamless integration
  • Proven reliability

Join us today by following this link or get in touch to learn more.

An image encouraging the reader to work with a flexible finance provider that takes customer service seriously

FAQ

  • What is AI-powered quality monitoring?

    It’s a system that automatically checks and analyses customer interactions to improve service quality, compliance, and efficiency.

  • How does sentiment analysis work?

    It picks up how customers are feeling based on their tone, language, and behaviour to allow us to improve our support.

  • Is AI replacing human quality control teams?

    No. AI takes care of the time-consuming parts like call analysis and tracking trends, but human teams still make the final decisions and improvements.

  • How does this benefit customers?

    It makes sure that every interaction is handled efficiently, complaints are dealt with properly, and extra support is given to those who need it.

  • Will this affect customer service response times?

    It’s likely that response times will get quicker, as it will let businesses focus on the most important issues first.

A repair centre offering customer service to a customer

How 0% Car Repair Finance Can Help Your Customers Say Yes

How 0% Car Repair Finance Can Help Your Customers Say Yes 1200 628 Payment Assist Blog

Not everyone has spare cash lying around for a big repair bill. See how Payment Assist can help customers spread their bill over manageable monthly payments.

Customers Struggle to Afford Repairs Upfront

Car repairs can be costly, especially when unexpected. A sudden breakdown or failed MOT can leave customers facing bills of hundreds of pounds. Between 2023 and 2024, repair costs have risen, making it even harder for drivers to afford necessary repairs. Many customers ask if there’s a cheaper fix or say they’ll return next month, not because they don’t want to repair their vehicle, but because paying in one go isn’t feasible.

A woman calls for repairs after her car has broken down

When a customer can’t afford a repair, it affects both them and you:

  • They drive away in a potentially unsafe car, feeling worried and unhappy.
  • You lose out on work and the chance to help them.

So, how can the job get done without breaking the bank?

Car Repair Finance Is the Solution

Instead of paying the entire bill upfront, customers can make affordable monthly payments with no interest added. A £400 repair bill might be met with hesitation, but four monthly payments of £100 make it much more manageable.

0% Finance Makes It Even Easier

By offering a 0% finance option, customers can agree to repairs without the burden of a lump sum or high-interest charges. Unlike bank loans or credit cards, where interest increases the total cost, 0% finance is a safer, more affordable alternative.

Most Customers Get Instant Approval

For bills below a certain threshold, there’s usually no complicated credit check. A valid debit card and a few details are often enough for approval, making 0% finance a simple and accessible solution for most customers.

Interest-Free Car Repair Finance Grows Your Business

Helping customers is the right thing to do, but offering finance also benefits your business.

More Sales and Bigger Jobs

When cost isn’t an immediate barrier, more customers say yes to repairs. This allows you to capture jobs that might otherwise be lost. Customers are also more likely to approve all recommended work now rather than postponing part of it, increasing revenue per visit.

Builds Customer Loyalty and Referrals

Turning a large bill into manageable payments earns goodwill. Customers appreciate the flexibility and trust businesses that support them during tough financial times. They’re more likely to return and recommend your repair centre to others.

a happy driver access 0% finance on his phone

Ready to Offer 0% Finance? We’re Here to Help.

If you’re ready to grow your business and offer customers affordable monthly payments, Payment Assist is the solution. As a leading provider of 0% car repair finance, we make it easy for garages and repair centres to integrate this service.

We cover your customer’s repair bill upfront, and they repay in regular, interest-free instalments. This means you get paid immediately while your customers manage their expenses more comfortably. Payment Assist is FCA-regulated and bank-backed, ensuring stability and reliability.

Sign up today by following this link or get in touch with our team for more information.

a CTA image encouraging readers to offer their customers 0% finance with payment assist

FAQ

  • Do customers need to pass a credit check to use 0% finance?

    We check that their card has the funds to pay the initial deposit and that the address registered on their debit card matches, but we don’t leave a footprint on their credit status, and it only takes a few seconds. If we ever do need to carry out a full credit check, we’ll always get permission first.

  • What if a customer doesn’t pay for their instalments?

    If a customer doesn’t pay on time, then we handle the follow-up, including any late fees. You’ve already been paid for the job, so your garage won’t lose out even if someone defaults on their payment.

  • How long does it take for a customer to get approved for 0% car repair finance?

    Approval is usually instant. In most cases, the customer just needs to provide their debit card details and basic information, and they can be approved in minutes.

An engineer carrying out electric car maintenance

What Are the Challenges of Electric Car Maintenance?

What Are the Challenges of Electric Car Maintenance? 1200 628 Payment Assist Blog

Electric cars aren’t the same niche product that they used to be. These days, more drivers are making the switch, and garages are seeing a steady increase in electric car repairs and servicing. It’s true that these vehicles often come with lower running costs and fewer moving parts, but they also have a new, unique set of challenges when it comes to maintenance and repair.

If you’re offering garage services to electric cars, you might need specialist equipment or the ability to manage high-voltage risks, for example. Either way, getting to grips with electric car maintenance is more important than ever in a changing automotive landscape.

High-Voltage Systems and New Safety Risks

Unlike traditional vehicles, electric cars run on high-voltage battery packs, which are often between 400 and 800 volts. That’s more than enough to be lethal if it’s handled incorrectly. Mechanics need the right training if they’re going to be expected to work on these systems safely. It’s not just about avoiding electrocution, either; damage to a high-voltage battery can cause thermal runaway, which can be a fire hazard.

How can you reduce the risks?

First and foremost, garages need to invest in proper safety equipment – a standard set of spanners won’t cut it. This will likely include insulated tools, gloves, and voltage testers. On top of that, mechanics need to know how to shut down the system safely before they get to carrying out any work.

Battery Degradation and Expensive Replacements

Naturally, batteries are the most expensive component of an electric car. Through use and over time, though, they start to degrade, which can mean reduced range and performance for the driver. A typical battery is designed to last over 100,000 miles, but extreme temperatures, rapid charging, and deep discharges can speed up wear.

Replacing a battery pack is one of the most expensive electric car repairs. A new battery can cost thousands of pounds, making it a difficult decision for a lot of electric car owners. In some cases, reconditioning or replacing individual battery modules might be an option, but that comes with its own complications as it usually requires specialist knowledge and equipment.

Garages offering electric car maintenance will need to assess battery health using diagnostic tools. This isn’t the same as checking a standard car battery. It can quite often involve a detailed analysis of charge cycles, voltage levels, and cell temperatures.

An engineer tests an electric car battery

Flexible payment options can make this easier for your customers.

Garage services that are prohibitively expensive put customers in a difficult position. Offering a flexible finance solution can help to make replacing an electric car’s battery more manageable and reduce the chances that a customer will abandon their electric car repair altogether.

Specialist Parts Can Lead to Limited Availability

One of the biggest challenges for garage services is getting hold of the right parts. In lots of cases, electric car components are harder to get your hands on than petrol or diesel options. Motors, inverters, and battery management systems are quite often manufacturer-specific, so parts have to be sourced directly from the carmaker.

Even common wear-and-tear items aren’t always straightforward.

Of course, electric cars don’t have exhausts, fuel pumps, or clutches to replace, but they still need brake pads, tyres, and suspension components. That said, these parts often differ from those on petrol and diesel cars. Regenerative braking means brake pads wear down less, but when they do need replacing, they may require specific parts.

If you run a repair centre, working with a reliable supplier who can source specialist electric car parts quickly is crucial. Otherwise, repair times can be much longer than for traditional cars.

Advanced Diagnostics and Software Updates

Electric cars are packed with electronics like battery management systems, regenerative braking, and thermal control. Having everything controlled by software is great for efficiency and driver experience, but it does mean that diagnosing faults isn’t as simple as plugging in an OBD2 scanner.

Some manufacturers use proprietary systems, which means that only authorised garages can access diagnostic data. Others require mechanics to complete brand-specific training before they can work on certain models.

Software updates are another consideration.

Lots of electric cars get over-the-air (OTA) updates- these bring fixes and improvements that are rolled out remotely. Not every issue can be solved this way, though, and if a vehicle needs a manual update or a recalibration after a repair, the garage needs to have the right tools and know-how to handle it.

A stylised image of software for electric car maintenance

Want to Make Electric Car Maintenance More Affordable for Your Customers?

Payment Assist helps you to offer flexible payment options to those customers seeking electric car repairs and servicing. Give drivers the option to spread the cost of repairs, making it easier to manage unexpected bills.

Payment Assist offers interest-free payment plans, helping you to secure more work while giving your clientele a practical way to afford essential repairs. It’s a simple, effective way to keep business moving.

Want to know more? Sign up today to see how Payment Assist can support your garage, or get in touch with us for a more detailed conversation.

  • What are the main challenges when servicing electric cars?

    Electric cars have unique needs, like high-voltage systems, battery degradation, and specialist parts, requiring proper tools and training.

  • Do electric cars require special tools for servicing?

    Yes, electric cars need insulated tools, gloves, and voltage testers for safety, as standard tools aren’t suitable.

  • How can I reduce the risks when working on electric vehicles?

    Ensure proper training for your team and invest in safety equipment like insulated tools and gloves to handle high-voltage systems safely.

What to Do When You Get an Unexpected Car Repair Cost

What to Do When You Get an Unexpected Car Repair Cost 1200 628 Payment Assist Blog

Facing an unexpected car repair is as stressful as it is financially challenging. Recently, the cost of repairs has surged, with a 32% increase reported. This has left a lot of drivers worrying about how to manage unforeseen car repairs, so we thought we’d look at how you can navigate the situation more easily.

1. Try Not To Lose Your Head

When your car is broken down, it can feel overwhelming, but it’s important to keep it in perspective. Start by checking the warning lights on your dashboard and your vehicle’s manual for initial guidance. If you’re still not sure, then getting hold of a professional mechanic for a diagnosis is the next step.

Top Tip: Think about getting multiple quotes.

This might feel like a bit of a hassle, but you’d be amazed at how much it can save you. Getting estimates from a few reputable garages can help you be confident that you’re receiving a fair price. Be wary of any quotes that seem unusually low, as this might mean subpar work or cheap parts.

2. Check Your Warranty

If your vehicle is under warranty, certain repairs might be covered, which could save you a lot of money. Familiarise yourself with the terms of your warranty to understand what is included and any actions that might void it.

3. Focus on the Essentials

If the repair costs are high, then chat with the mechanic about which issues are critical and which can be temporarily put on the back burner. Prioritising essential repairs means you can address any immediate safety concerns, which can keep you going while you figure out the other issues.

4. Get a Grip on the Breakdown of Costs

Asking for a detailed breakdown of your car repair costs – like labour, parts, and other fees – helps you to understand what you’re paying for. It can also highlight areas where you might save money, for example, by picking up minor parts independently.

5. Avoid DIY Repairs Unless You’re Qualified

It might be tempting to tackle your car repairs yourself to save a few pounds, but this is risky. Not only can it be dangerous, but it’s also not cost-effective in the long run. According to AVIVA, almost half of motorists who attempted DIY repairs ended up needing professional help anyway, with an average additional cost of over £800. Unless you’ve got the right skills and tools, leave it to the pros.

6. Discuss Payment Options with the Garage

Lots of garages offer flexible payment plans like Payment Assist to help you manage unexpected costs. Talk to them about any available options that might let you spread the cost over time. Unlike some car repair loans, Payment Assist is interest-free and doesn’t have additional fees, so you don’t end up paying any more in the long run. Options like this can massively reduce the financial strain.

7. If in Doubt, Ask

Mechanics are experts at what they do, and having clear and frank conversations with them is a great way to understand the problems you’re experiencing, as well as their solutions. Ask questions if you don’t understand something, and don’t hesitate to get a second opinion if you’re not sure about a recommended repair.

8. Try to Keep on Top of Your Maintenance

Regular vehicle maintenance is absolutely key to preventing unexpected car breakdowns. Stick to your service schedule, check your fluid levels, and keep an eye on your tyres to identify potential issues before they become bigger problems. Having a preventative approach is usually cheaper than emergency repairs.

Did You Know: Delaying repairs usually makes them more expensive.

Postponing your repairs can actually lead to more severe issues and higher costs. What’s more, neglecting essential maintenance can compromise the safety of your vehicle and might even invalidate your insurance policy, so taking the issues in hand quickly is really important.

Organisation and Forward Planning are Key to Avoiding Future Unexpected Costs

Some unexpected car repair costs are unavoidable, but others can be pre-empted, at least to some extent. Think about building an emergency fund if you can. Putting aside a small amount each month can create a financial cushion for unexpected expenses and give you peace of mind, too.

Know Your Vehicle

It’s also worth educating yourself about any common issues associated with the make and model of your vehicle. Alternator failures, coil spring issues, and timing belt problems can be some of the most common faults in certain models. Knowing what to expect can help you anticipate what car repairs you might need.

Keep Detailed Records

Maintaining a comprehensive record of all services and repairs performed on your car is really helpful. They provide a clear history of the work performed, which can not only improve the resale value but also help with warranty claims and support you in tracking your maintenance. Note the date, mileage, and nature of each service or repair. You can also add any information that’s relevant about parts replaced as well as recommendations from your mechanic.

Need Support Managing an Unexpected Car Cost?

Unexpected car repair bills are financially stressful, but they don’t need to be; Payment Assist is here to help. We offer interest-free payment plans that let you spread the cost of your vehicle repair over four equal monthly instalments, making it easier to manage your budget.

We focus on getting you back on the road without the immediate financial strain of unexpected repair bills. Our service is designed to be straightforward, transparent, and supportive. Find a participating garage near you or click here or contact us for more information.

FAQ

  • Is there a credit check required to use Payment Assist?

    For repair bills up to £1,000, a soft credit check is performed to confirm your residency at the provided address. For amounts over £1,000, a full credit check is carried out.

  • What happens if I miss a payment?

    Missing a payment might result in additional charges and could affect your credit rating. If you’re experiencing difficulties making payments, please contact us to discuss possible solutions.

  • Can I use Payment Assist for any type of vehicle repair?

    Yes, Payment Assist can be used for various vehicle repairs, including clutch replacements, cambelts, brake repairs, and more.

Repair or Replace a Damaged Car? Understanding Your Customers’ Tipping Point

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When a car is damaged, deciding whether to repair it or replace it can be a tricky choice for many drivers. A recent survey has shed some light on the tipping point at which motorists might decide not to repair their damaged cars and why they might replace them instead. If you run a garage or repair centre, getting a handle on this tipping point and offering flexible finance options can help to increase repair rates. That means your customers can get their cars back on the road rather than feeling forced into an expensive write-off.

Car Repairs Can Be a Real Financial Struggle.

It’s no surprise that the rising cost of car repairs leads people to toy with fixing versus replacing a damaged car. When something major like engine repairs, wheel repairs, or bodywork is needed, a lot of drivers face that same dilemma. The survey – conducted by CarGurus – interviewed 1,000 motorists across the UK.

It found that an unexpected repair bill of £772 is one of the three breaking points that prompt drivers to consider their car a write-off, and look for a new vehicle. Once repair costs approach or exceed this amount, the financial burden can feel overwhelming, especially for those with tight budgets. This explains why nearly three-quarters (72%) of participants in the study said they’d feel stressed at the thought of having to spend money on unplanned car repairs.

Why Do Drivers Go for a Replacement Over a Repair?

There isn’t any single answer to this question, but it seems that the decision to replace a car instead of repairing it stems either from financial limitations or the perceived value of the vehicle. For example, if a car is worth £3,000 and the damage requires £2,500 worth of repairs, it’s easy to understand how this might be seen as a bad investment. They might believe that spending nearly the car’s worth on repairs doesn’t make sense, especially if it’s an older car that might need more repairs in the future.

Convenience could be another key factor.

The cost and hassle of repairs – and the fear of recurring issues – can make buying a new car seem like an easier and more financially sensible option. This is exacerbated by the fact that many new and second-hand dealerships offer finance options to make accessing a new car easier. Immediate financial pressures of car repairs can make it feel difficult or impossible to spend a large, upfront sum on car repairs.

That’s Where Flexible Finance Options Can Help

Flexible finance solutions can help motorists take the necessary steps to repair their damaged cars without having to face the full financial burden upfront. They provide a way to spread the cost of repairs over a manageable period, which makes paying for big jobs like engine repairs, bodywork, or wheel repairs much more feasible.

For lots of customers, this is a massive difference.

The ability to break down the cost of car repairs into smaller, more affordable payments might be the deciding factor between repair and replacement. If you offer interest-free, straightforward payment plans, you can ease the financial strain of the repairs and make it easier for drivers to choose fixing their car over scrapping it and getting a new one.

Why It’s Important to Understand the Tipping Point

If you own a repair centre or garage, you’ve got to get a handle on your customers’ tipping point when it comes to the cost of repairs. This is mainly because it helps you tailor your services and makes them more accessible, but there are other brilliant advantages, too.

Flexible finance could improve retention and trust.

Across sectors, we know that the outlook of customers changes when they feel valued and seen. You can promote a real sense of loyalty by showing your customers that you take their concerns seriously and that you identify with their real-life situations. This boosts confidence both in the repair process and the people who provide it.

Looking for a Flexible Finance Partner?

When your customers are faced with high costs, Payment Assist can help you to help them. Our service helps to break down substantial repair fees into manageable, interest-free monthly payments. Instead of feeling overwhelmed, your customers gain confidence, trust, and a sense of control over their finances.

With Payment Assist, you can:

Offer Interest-Free Payments: Customers pay no additional charges.
Maintain a Simple Application Process: Quick, transparent steps.
Provide Customisable Plans: Tailor instalments to each customer’s circumstances.
Promote Customer Retention: A supportive payment structure encourages repeat visits.

To find out more about how Payment Assist can support your business, get in touch with us today. Our team will be happy to help you.

FAQ

  • What kind of costs can Payment Assist cover?

    Most common repair expenses, from minor jobs to bigger mechanical ones, can be covered.

     

  • Are payment plans complicated to arrange?

    No, arranging a plan is very straightforward. You can find out more here.

  • Is interest applied over time?

    Payment Assist provides interest-free instalments, keeping the total cost unchanged.

  • How quickly can a plan start once approved?

    Approved plans begin promptly so that essential repairs can proceed without delay.

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