← State of Embedded Finance 2026

Reynolds and Reynolds

Can the dominant automotive DMS become the financial operating system for dealerships by embedding payments, payables, and consumer service-financing into the retail workflow?

HQOne Reynolds Way, Dayton, OH 45430, USA
IndustryVertical SaaS / Automotive Dealership
The story

Reynolds and Reynolds is a long-established provider of dealership management systems (DMS), documents and professional services for automotive retailers and manufacturers. Its embedded-finance posture is built around ReyPAY (powered by Worldpay for Platforms / OpenEdge for in-store and online dealer payments), Reynolds Electronic Payables (AP automation via virtual cards, now extended through a Corpay partnership), and a Sunbit integration for consumer service-financing at the dealership service drive.

Last 12 months
2025-01
2025-11
2026-02
Product timeline
2025
Announced integration with Sunbit to embed service-financing prescreening into the Reynolds Retail Management System.· lending
2026
Announced partnership with Corpay to digitize dealership accounts payable.· banking
The stack
Payments / PSP
Worldpay for PlatformsOpenEdge (Global Payments)ReyPAY (self-branded)
Lending
Sunbit service financing (integrated with Reynolds Retail Management System)
FX & payouts
Corpay
Accounting
ERA-IGNITE (Reynolds native accounting)Upload Accounting Data flat-file import
Accounting gap: minor