“Can the dealership DMS evolve from a software/forms business into the embedded-finance backbone of automotive retail — owning payments, A/P, and consumer financing at every dealer touchpoint?”
Reynolds and Reynolds began in 1865 as a business forms printer and evolved into one of the two dominant automotive dealership management system (DMS) vendors after its 2006 merger with Universal Computer Systems. The company's embedded finance footprint is built around the dealership rather than the consumer: ReyPAY (powered by Worldpay for Platforms) is the integrated payment acceptance layer for ~2,000 franchise dealers, while Reynolds Electronic Payables digitizes dealer A/P with virtual card rebates. More recently the company has begun bolting consumer-side financing onto the service lane via partners like Sunbit, signaling a move from pure software/forms revenue toward embedded-finance revenue share at the dealership level.
Reynolds and Reynolds processes payments through Worldpay for Platforms, ReyPAY (self-branded, processed by Worldpay), OpenEdge (legacy/referenced) and FIS.
Reynolds and Reynolds uses Corpay (third-party A/P automation integration) for FX and cross-border payouts.
Reynolds and Reynolds integrates with ERA-IGNITE (native Reynolds accounting module) and Reynolds Certified Interface (RCI) third-party data exchange.
The Embedded Finance Index 2026 maps 5 layers in Reynolds and Reynolds's stack: Payments / PSP (Worldpay for Platforms, ReyPAY (self-branded, processed by Worldpay), OpenEdge (legacy/referenced) and FIS); Lending (Sunbit service-lane financing integrated with Reynolds Retail Management System); FX & payouts (Corpay (third-party A/P automation integration)); Accounting (ERA-IGNITE (native Reynolds accounting module) and Reynolds Certified Interface (RCI) third-party data exchange); Spend / AP (Corpay).
Reynolds and Reynolds is founded in 1865 and headquartered in Dayton, OH, USA.
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