truPayments is now part of PureCars!

Who We Are

truPayments, LLC is a financial technology company with deep roots in eCommerce and the Automotive Industry. truPayments® is a subsidiary of Automobile Consumer Services, Inc. (ACS), a financial services and technology company based in Cincinnati, Ohio. Our executive team has more than 100 years of combined experience leading start-ups and high growth companies (as well as a few turnarounds), more than 100 years of technology and eCommerce experience, and more than 50 years of automotive industry experience. We’ve put that experience to work building our latest offering: our tru Shop-by-Payment™ product built on our all-new Grail® platform.

Our History

From inception, ACS has embraced technology to pioneer innovative ways to make car buying a better experience. ACS was founded in 1989 as the first online car-buying service in history, using dial-up BBS. Since then, ACS has created numerous products related to online vehicle buying and online vehicle financing. ACS has also operated as an independent car dealer for more than 20 years, so we bring a dealer perspective to our products. Additionally, ACS developed a national auto finance business, providing a deep understanding of the intricacies of lending (we even developed our own LOS).

From its humble beginnings as a feature on our consumer-oriented site,, Shop-by-Payment™ has evolved into a robust SaaS product for vehicle dealers and partners across the US.

In the early 2000s, our consumer customers would frequently ask for the best vehicles based on monthly payment. In response, we decided to build an automated payment shopping tool. It fundamentally changed the way car buyers could shop. But more importantly – consumers loved it.

Rapid growth in online shopping led us to evolve our original Shop-by-Payment™ functionality to allow auto dealers and other partners to integrate with our platform, launching our DriveItNow® product. DriveItNow® has been successfully serving the automotive, powersports, RV and marine industries for over 10 years, but it’s time for a new chapter.

In conjunction with the creation of our all new Grail® platform and our tru Shop-by-Payment™ product, we established truPayments, LLC to better reflect our evolving identity and business.


Our products have consistently been recognized for innovation and excellence by both consumers and businesses alike.

Company Highlights


  • Acquired by PureCars


  • truPayments® founded
  • Grail® Platform launched
  • tru Shop-by-Payment™ launched


  • NADA Modern Dealership Experience showcases ACS’s Adaptive Digital Retailing®


  • 4 billion payments quoted by DriveItNow®
  • DriveItNow® powers MyPayment for Dominion
  • RideItNow™ launched


  • DriveItNow® launches Credit Center


  • DriveItNow® launches Shop-by-Payment™ functionality
  • DriveItNow® launches Instant Trade-In Equity


  • DriveItNow® powers PaymentPro for AutoUSA/Autbytel/AutoWeb


  • Soft Pull Credit technology launched in DriveItNow®


  • ACS Financial integrates with RouteOne


  • DriveItNow® launched
  • ACS powers eBay Motors Finance Center


  • Search by Payment launched on


  • launched


  • ACS Leasing Launched


  • ACS Internet Buying Service launched


  • ACS founded
  • ACS BBS Buying Service launched
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