Card, Apple Pay, Cash App, Affirm, Klarna, Sunbit

Pista accepts the ways your customers actually want to pay, from a tap of their phone to splitting a big repair into monthly chunks. Knowing what each method is good for helps you close the ticket faster and helps the customer say yes to all the work, not just half of it. Here is the full lineup.

Cards

The everyday default. Pista takes all major credit and debit cards through your connected reader, by dipping, tapping, or keying in the number for a phone payment.

• Use it for: most checkouts, deposits, and balances.
• Settles into your normal deposit batch and reconciles automatically.

Apple Pay and Cash App

Digital wallets your customers already carry on their phones.

• Apple Pay: tap to pay at the reader, or pay through a secure link on their iPhone. Fast and contactless.
• Cash App: a popular choice with younger customers who keep their balance in the app.
• Both clear like a card and need no extra setup once payments are turned on.

Pay-over-time: Affirm, Klarna, Sunbit

These let the customer spread a repair across several payments while you get paid in full, today. The financing provider carries the risk, not your shop.

Affirm

Best for larger repairs. The customer picks a plan, often over several months, and sees the cost up front with no surprises.

Klarna

Great for mid-size tickets. Familiar to customers who already use it for retail, with short-term installment options.

Sunbit

Built for auto service and known for approving a wide range of credit profiles. If a customer is worried they will not qualify elsewhere, Sunbit is usually the one to offer.

Good to know: With every pay-over-time option, the customer is approved on the spot and your shop is paid the full amount. You are not waiting on installments or chasing anyone down.

Cash

Still here, still simple. Enter the amount tendered at checkout and Pista calculates the change.

When to reach for each one

1. Small or routine ticket: card, Apple Pay, or cash. Quick and done.
2. Customer hesitating on a few-hundred-dollar repair: offer Klarna or Sunbit so they can split it.
3. Big-ticket job like an engine or transmission: lead with Affirm or Sunbit before they decline the work.

Tips

• On any estimate above a few hundred dollars, mention pay-over-time before the customer reacts to the number. It reframes the whole conversation.
• You can split a single RO across methods, like a card plus cash, if a customer wants to.
• All methods, including pay-over-time, flow back to the same RO and reconcile into your deposits, so your reports stay clean no matter how the customer paid.

The goal is simple: never lose a repair because of how it gets paid for.