In the latest example of fintech meeting function, PayNearMe has announced a strategic integration with Emotive Software, Inc., bringing its flexible payments tech natively into Emotive’s AI-powered ERP platform for auto dealers. The move promises to eliminate screen-hopping, simplify collections, and make it easier for dealerships to get paid—fast.

Auto dealers running Emotive’s all-in-one system can now offer a full spread of payment methods—PayPal, Venmo, Cash App Pay, Apple Pay, Google Pay, credit/debit cards, ACH, and even in-person cash payments—all without bouncing between apps or tools. It’s the type of digital-first convenience that’s long overdue in a space historically bogged down by paper, phone calls, and fragmented systems.

No More Multi-Screen Juggling

“Together, we’re helping automotive dealers improve operational efficiency and offer more convenient ways to pay,” said Bruce Gaskill, Senior Director of Integration Partnerships at PayNearMe. The goal, he added, is to “enable dealers to get paid faster, at the lowest total cost of acceptance.”

In practice, that means fewer missed payments, faster reconciliation, and an improved customer experience at a time when dealerships are fighting for loyalty and margins.

Emotive’s ERP platform already includes inventory, service, sales, and marketing tools—now it adds payments into that streamlined mix. And thanks to PayNearMe’s Smart Link™ technology, customers can make a one-click payment without downloading an app or remembering a login. Just click, pay, and drive off.

Fintech Convenience in the Auto Lane

For Allen Dobbins, CEO of Emotive Software, the integration isn’t just about faster payments—it’s about competitive advantage. “We’re especially excited by PayNearMe’s Smart Link™ technology,” Dobbins said. “It enables modern payment experiences within the Emotive platform and gives our clients a clear edge.”

This partnership also speaks to a broader trend across fintech: embedding financial services into vertical software platforms. In the same way Shopify added banking features or Toast integrated payroll, Emotive now brings payment processing to the dealership dashboard—seamlessly and natively.

Auto dealerships are under pressure from both digital disruptors and changing consumer habits. Customers increasingly expect to pay the way they do everywhere else—mobile-first, contactless, fast. Yet many dealers still rely on clunky point-of-sale terminals or phone-based collections.

By making it dead simple to accept everything from Venmo to cash at retail locations (via PayNearMe’s nationwide cash network), this integration gives Emotive’s clients a modern toolkit to meet today’s customer expectations—and reduce missed payments along the way.

It also underscores a growing arms race in automotive fintech: streamline, automate, and personalize every aspect of the customer experience.

The Road Ahead

With this integration, Emotive and PayNearMe are placing a bet on embedded finance, a sector projected to hit $7.2 trillion globally by 2030, according to Bain & Company. And while that may sound lofty, the logic is grounded: payments are more valuable when they’re frictionless—and close to the transaction.

For now, the message is clear: if you’re running a dealership and still faxing invoices or juggling multiple apps to get paid, there’s a smoother road available.

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