“Can a decades-old cloud shop management system compound into a full financial OS for independent auto repair shops through embedded payments, consumer financing, and built-in accounting under the Vehlo umbrella?”
Protractor started in 2003 as an early cloud-based shop management system for independent auto repair shops and tire stores in North America. Over time it evolved from a pure workflow/SMS tool into a broader operating system with built-in accounting (general ledger, AR/AP, payroll), integrated payments via a 360 Payments partnership branded 'Protractor Payments', and one-click consumer financing (Synchrony via 360's CFP). It is now owned/operated under Vehlo, the automotive-industry software roll-up, and its embedded finance strategy is delivered almost entirely through 360 Payments as the underlying processor.
Protractor Software processes payments through 360 Payments.
Protractor Software's lending and capital products are provided by Synchrony and 360 Payments.
The Embedded Finance Index 2026 maps 2 layers in Protractor Software's stack: Payments / PSP (360 Payments); Lending (Synchrony, 360 Payments, Consumer Finance Program (CFP), Synchrony consumer financing application and 1 other).
Protractor Software is founded in 2003 and headquartered in Canada.
Get a read on where your own stack stands against Protractor Software and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.