The giants win on the transaction. Now you can too
The platform retailers did not out-inventory anyone. They won by finishing the deal online while everybody else handed it back to a showroom. Ekho's Transaction Engine gives you that ending: financing, titling & registration, insurance verification, signature collection, fraud detection, and tax compliance across all 50 states, so buyers get their vehicle and you get paid, fast.
“That's why I committed so heavily to Ekho... Look at the dominant position Carvana has had... Their competitors have two options: it's either adapt or die. I chose to adapt.”
- $1M+
- in placed order volume since the February soft launch
- $600K+
- placed order volume in three months at only 30% of inventory with Buy Now enabled
- ~1 sale/day
- End-to-end via Ekho, up from 1/mo at launch
- 9/10
- Avg EuroCycle buyer rating of the online experience
Carvana did not win on inventory. They won on the transaction
197,325 cars last quarter, up 38% in a year, with no showroom and no lot. They have told investors the plan is 4 times that.
None of it needs anything a dealer cannot have. It needs one buying experience that finishes the deal online. The Transaction Engine is that ending on your brand: financing, titling, registration, tax, signature collection and delivery, handled.
See the whole flowNew cars are next. Seven Stellantis franchises bought. One turned into the top-selling Chrysler-Jeep-Ram-Dodge store in the country.
Carvana reported results. Q2 2026. Their 3M goal is stated for 2030 to 2035; the chart shows the near end. Running total projected from their reported pace.
Every step during and after the sale. Handled.
Checkout that closes
A fully white-label checkout embedded on your site — mobile-ready, compliant, and built to convert browsers into buyers. State-of-the-art fraud detection protects every transaction, so dealers close with confidence.
Financing for all credit types
Buyers get pre-qualified in minutes — no score impact, multiple lenders surfaced automatically, all built directly into your site.
Titling & registration — automated
Remote DMV filing, title transfers, and registration handled across all 50 states. Plate and title delivered to the buyer’s door. No DMV trips.
Document signing, online
No matter the signature type, Ekho’s dynamic workflows adjust automatically — making it as quick, easy, and seamless as possible for buyers and dealers to execute the right documents in every state, every single time.
Compliance, handled automatically
Interstate tax rules, franchise laws, state disclosures, and fraud detection — monitored and applied automatically so every deal is covered.
Track every deal in real time
See the status of every transaction — from checkout to delivery — in your admin portal. Nothing falls through the cracks.
Insurance quoted and bound
Embedded carriers quote and bind coverage inside the flow, verified against state and lienholder requirements. A buyer without insurance gets covered instead of sent away.
F&I, accessories and promotions
Your protection products from your own providers, packaged to lift attach rate and PVR, with dealer and OEM promotions applied automatically to every qualifying unit.
Delivered, then paid out
Nationwide delivery partners at rates negotiated for Ekho dealers, then funds land in your account with the whole deal still visible end to end.
Make it your own.
Finishing the deal online does not mean handing over the controls. Ekho gives you the pricing rules, the fee and payment structure, which units are sellable, the states you sell into, and the full money trail on every order — configurable per rooftop, from one admin portal.
Price a campaign once, not unit by unit
Build a discount as a code or an automatic deduction, set what it applies to and when it runs, then describe the inventory it covers with a rule. Every unit that matches qualifies, including the ones you take in next month.
Create promotion
Build a discount once and let it apply itself. Buyers redeem a code at checkout, or the discount comes off automatically.
Customers see this in their cart and at checkout.
Discount value
Active dates
Eligible vehicles
Pick specific units, or write a rule and let every matching unit qualify, including the ones you take in next month.
Smart rules apply to your current selections and any vehicles added in future.
Combinations
Allow this promotion to be combined with other discounts at checkout.
Charge the way you already charge
Delivery priced flat, linear, stepped, by state, by distance bucket or by matrix. Pickup, assembly and inspection fees beside it. Then which payment methods a buyer gets, what deposit holds a unit, and which rooftop the order lands on.
Delivery
The default delivery fee charged at checkout. Distance models price from your inventory location to the buyer's address.
Pickup, assembly and inspection
Covers preparing the vehicle before delivery or pickup.
Payment methods
Which ways a buyer can pay, and what each one requires before the order can move forward.
Pre-qualification and full application, routed to your lenders.
Card or bank transfer for the full balance.
Reserve online and settle the balance at the dealership.
Assignment
Which rooftop an order lands on, and who owns it from there.
Pickup orders are assigned to the closest location holding the unit.
Every number behind the deal, on one screen
Amount financed, term, credit tier and the approved offer with its stipulations. Then the buyer receipt broken out to the cent across vehicle, taxes and each fee, and the payout that lands in your account beside it.
Order #843
Every number behind the deal, on one screen: what was financed, on what terms, what the buyer paid, and what you take home.
5.00% APR · 60 months · $656.19 per month
Stipulations: personal references
GAP coverage and extended service contract, selling price
Buyer payments
Payouts
What lands in your account, broken out line by line.
The whole book, for any period you pick
Total order value, what has been collected, what is still outstanding, and how many orders sit at each stage. Then every order in the period with the taxes, government fees and delivery charges that built its price.
Reports
Pull a period and see the whole book: order value, what has been collected, what is still outstanding, and where every order sits.
Orders
Every order in the period, with the taxes, government fees and delivery charges that made up its price.
Decide unit by unit what can be bought online
Watch the data behind a single vehicle: sync and publish state, how stale the feed is, the decoded unit details. Leave a unit as inquiry-only or unlock it for purchase, and let eligibility rules decide which accessories it offers.
2026 Toyota Tacoma SR5 Double Cab
Per-unit control. Watch the data behind one vehicle, and decide whether it can be bought online at all.
Disabled — inquiry-only lead generation
Unit details
Accessories and modifications
Attach parts to a unit by hand, or write a rule once and let every matching unit pick up the same upsells automatically.
Rules decide which accessories a unit is eligible for. They apply to inventory you already hold and anything you take in later.
Decide which system wins, field by field
Your DMS, your website and the vehicle catalog all describe the same unit, and they disagree. Set the winner per field group, so pricing comes from one place, specs from another, and photos from a third, without anyone reconciling by hand.
Field group precedence
Your DMS, your website and the vehicle catalog all describe the same unit, and they disagree. Choose which one wins, field group by field group.
While your sources are connected, data syncs automatically until you set a field manually. A field you overwrite by hand stops syncing for that field only.
Sources
Connected · syncing every 15 minutes
Decoded specs and factory options by VIN
Scraped listing pages, matched back to inventory
Turn on the states you are ready to sell into
Checkout is gated on the states you enable, so a buyer outside them cannot complete a purchase you cannot title. Add your own legal disclosures alongside the system ones every buyer already sees.
States supported
Where buyers are allowed to purchase. A buyer outside a supported state cannot complete checkout.
Disclosures
Custom legal disclosures shown to buyers before they complete checkout, alongside any vehicle-specific ones.
System disclosures are shown separately and cannot be customised.
View default disclosuresReport a purchase, not a form fill
Connect your ad accounts and a completed online order reports back as a real conversion, with its value. Events forward server to server so they survive pixel blocking, which is what makes return on ad spend measurable on this channel.
Conversion tracking
Connect your ad accounts so a completed purchase reports back as a conversion, not just a form fill. That is what lets you measure return on ad spend on the online channel.
Conversion ID · connected
Pixel ID · connected
Pixel ID · not connected
Measurement ID · connected
Advanced tracking
Ekho pushes a standard commerce event set to your data layer. Your tags fire from those events, alongside any direct integrations, without firing twice.
Events are forwarded server to server, so conversions still report when a browser blocks client-side pixels.
Attributed this month
One thread that holds the whole order
Financing, signatures, payments, risk and insurance checks, titling, transport and every comment, in order, with who did it and when. Your team, the buyer and the manufacturer work the same thread, and each entry opens into its detail.
Timeline
One thread per order. Every status change, document, payment, email and comment, with who did it and when.
Leave a comment…
Can we check why this VIN is not pulling the correct trim? It is showing the base model rather than the TRD package.
PublicChecked — the decode missed the package code. Re-running it and pushing the corrected trim back to Ekho.
PublicDURING AND AFTER THE SALE
Everything your team would otherwise do by hand
Anyone can add a checkout button. The regulated work behind it is the part that takes a title clerk, an F&I desk, and a week. Ekho runs it inside the platform, which is how a group adds volume and new states without adding people.
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Financing and desking
A real multi-lender waterfall across every credit tier, with approvals rather than estimates. Stipulations are collected and pre-validated in the flow, so deals reach the desk clean instead of bouncing back.
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F&I and accessories
Protection products from your own providers, intelligently packaged into bundles presented in-flow to lift attach rate and PVR. Accessories sell alongside them. You keep your providers and your margin.
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Liability insurance
More than a verification check. Embedded carriers quote digitally and bind inside the flow, then coverage is confirmed against state and lienholder requirements before the vehicle moves. A buyer without insurance gets covered instead of sent away.
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Fraud detection
Over a thousand buyer signals scored by machine-learning models, from device and typing patterns to address and IP. Deals that cross a risk threshold route into a manual verification workflow instead of quietly proceeding.
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Identity and compliance
Selfie and government ID verification, license checks, AML screening, and state licensure handled as part of the deal rather than as a separate errand.
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Promotions
Dealer and OEM promotions with rule-based targeting that matches inventory you have not taken in yet. Write the rule once and qualifying units are covered automatically as they land, with stacking and per-rooftop control.
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Signature collection
State-specific contracts generated automatically, then e-signature, wet signature, notarization, or power of attorney, whichever that state and lienholder require.
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Tax and reconciliation
Calculated, collected, remitted, and reconciled at jurisdiction-level accuracy down to county and municipality, with economic nexus tracked across states as you sell into them.
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Titling and registration
Processed in all 50 states for every vehicle type Ekho supports, including off-road classifications and temporary tags. Your title clerk supervises exceptions instead of processing every packet.
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Nationwide delivery
A delivery partner network at rates negotiated exclusively for Ekho dealers, so selling out of state does not mean sourcing and pricing transport yourself.
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Payout and tracking
Funds land in your account and every deal stays visible end to end, so nobody has to phone around for status.
Your team sells to a buyer in any state without a title clerk ever touching paper.
BEYOND THE HANDOFF
Digital retail, as you know it, stops at the handoff. Ekho goes all the way.
You have bought digital retail before. It collects a credit application, then hands the deal back to your desk, your F&I office, and your title clerk. Ekho finishes it: desking, signature collection, tax, titling, registration, and delivery, in all 50 states.
“Our first online unit was purchased at 12:30 a.m. via Ekho on a Sunday. On a customer’s phone. While the store was closed. And our team was asleep.”
50-STATE COVERAGE
Every jurisdiction, every requirement, handled
Every state writes its own rules for titling, registration, taxes, fees, signatures, insurance, and identity, and they change. Ekho maintains those rules so your team works one process instead of fifty.
- Title processing
- Registration and plates
- Tax calculation, collection and remittance
- Fees
- Signature collection
- Liability insurance verification
- Identity verification
- Verification form handling
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
All 50 states plus the District of Columbia, across every titled vehicle type Ekho supports.
VEHICLE COVERAGE
Just about every titled vehicle type supported
Each type carries its own titling, registration, insurance, taxes and fees, and signature collection rules. Ekho encodes them so your team does not have to learn them.
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Passenger car
Cars, SUVs, and light trucks complete end to end in minutes. Ekho handles financing, tax, titling, and registration in every state.
- Passenger
- Truck
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Motorcycle
From cruisers and sport bikes to dual sports and three-wheelers. Ekho automates registration and title processing so a street-legal bike closes online anywhere.
- Motorcycle
- Autocycle
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Dirt bike
Dirt bikes and trail bikes are off-highway only. Ekho applies the right per-state workflow, including states that require an OHV title or registration.
- OHV
- ORV
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UTV
Side-by-sides and utility vehicles, titled and registered as off-highway vehicles. States differ on the label and the paperwork; Ekho handles both.
- ORV
- OHV
- ROV
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ATV
Quads and four-wheelers, handled as off-highway vehicles. Ekho manages titling and registration wherever a state requires it for off-road use.
- ATV
- OHV
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Golf cart
Carts are non-titled, so no title lien is possible. Ekho files a UCC-1 instead, giving lenders a perfected security interest and letting carts finance normally.
- Golf cart
- OHV
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LSV
Fit certified DOT equipment and a cart becomes a street-legal LSV that titles and registers like a road vehicle. Ekho detects eligibility and handles the tags.
- Low-speed vehicle
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Moped
Mopeds and scooters carry their own insurance and registration rules. Ekho manages the state-specific workflow so nothing stalls at the counter.
- Moped
- Motor scooter
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PWC
Jet skis and personal watercraft register as vessels. Ekho routes the right process and collects the documentation each state expects.
- Personal watercraft
- Vessel
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RV
From camper vans to Class A motorhomes and towables. Ekho supports both motorized and trailer classifications with the right paperwork for each.
- Motorhome
- Travel trailer
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Trailer
Often sold alongside a boat or ATV and often overlooked by commerce platforms. Ekho titles and registers trailers as part of the same order.
- Trailer
Checkout
Online checkout with deal structuring, financing, and payment processing.
Financing Prequal
Soft-pull credit check — instant rate estimates with no impact to buyer's credit score.
F&I Aftermarket Engine
Aftermarket product packages — warranties, GAP, and protection plans.
Embedded Financing Engine
Built-in financing with lender waterfall and credit applications.
Tax Engine
Real-time tax calculation across all US jurisdictions.
Titling & Registration Engine
Automated 50-state title and registration processing.
Compliance
50-state regulatory compliance for vehicle sales and documentation.
Fraud Prevention
AI-powered fraud detection analyzing buyer signals and behavior.
CRM
Lead management, pipeline tracking, and AI-powered follow-up.
Analytics
Conversion tracking, attribution, and buyer demographics.
Reporting
Financial reporting for revenue, payouts, and F&I performance.
Inventory CMS
Centralized inventory management with AI-enhanced merchandising.
AI Listing Enrichment
AI-powered listing optimization — auto-enriched titles, descriptions, and attributes for every vehicle.
Configurator
Vehicle customization tool with dynamic options and real-time pricing.
Preorder
Accept deposits and manage preorder queues before inventory arrives.
API & MCP
Full REST API and MCP server for custom integrations.
SEO & GEO Monitor
Monitor your SEO and AI search rankings against competitors with actionable recommendations to improve.
Every step from checkout to keys, automated
Most platforms stop at the lead. Ekho handles the rest — financing, titling, registration, tax, compliance, and fulfillment across all 50 states, so your team closes more deals with less work.
Checkout
Online checkout with deal structuring, financing, and payment processing.
Financing Prequal
Soft-pull credit check — instant rate estimates with no impact to buyer's credit score.
F&I Aftermarket Engine
Aftermarket product packages — warranties, GAP, and protection plans.
Embedded Financing Engine
Built-in financing with lender waterfall and credit applications.
Tax Engine
Real-time tax calculation across all US jurisdictions.
Titling & Registration Engine
Automated 50-state title and registration processing.
Compliance
50-state regulatory compliance for vehicle sales and documentation.
Fraud Prevention
AI-powered fraud detection analyzing buyer signals and behavior.
CRM
Lead management, pipeline tracking, and AI-powered follow-up.
Analytics
Conversion tracking, attribution, and buyer demographics.
Reporting
Financial reporting for revenue, payouts, and F&I performance.
Inventory CMS
Centralized inventory management with AI-enhanced merchandising.
AI Listing Enrichment
AI-powered listing optimization — auto-enriched titles, descriptions, and attributes for every vehicle.
Configurator
Vehicle customization tool with dynamic options and real-time pricing.
Preorder
Accept deposits and manage preorder queues before inventory arrives.
API & MCP
Full REST API and MCP server for custom integrations.
SEO & GEO Monitor
Monitor your SEO and AI search rankings against competitors with actionable recommendations to improve.
Pricing
Transaction Engine
Complete online checkout with financing, titling, registration, taxes, insurance, and compliance — fully integrated.
Sales Agent
Trained on your inventory, your policies, and your voice. Ekho's AI handles every inbound lead across web chat and SMS — qualifying buyers, booking appointments, and moving deals forward 24/7.
Website
Websites built for speed, mobile performance, search visibility, and higher conversion — with a chat-based AI editor.
Digital Storefront
Everything you need to reach more buyers and close more deals — website, checkout, financing, titling, and all platform tools.
Growth Engine
AI agents handling your leads combined with a high-converting website — the modern dealership front door.
Sales Accelerator
AI agents handling your leads paired with a full transaction engine — from first touch to closed deal, fully automated.
Operating System
The complete Ekho platform — AI agents, website, and transaction engine with every building block included. One platform to run your entire dealership.
How the industry is moving with Ekho
Dealers closing more deals. Groups scaling without adding headcount. Teams selling long after the doors are locked. These are the businesses that rewired how they sell with Ekho.
“Together with Ekho, we make it easier for customers to discover the right bike, secure financing, and complete the paperwork from anywhere, even when the store is physically closed.”
“Setting up a fully compliant online channel in the US is near impossible, but Ekho made it easy. Their platform let us spin up a Tesla-like checkout in a few weeks.”
“That's why I committed so heavily to Ekho... Look at the dominant position Carvana has had... Their competitors have two options: it's either adapt or die. I chose to adapt.”
“Ekho gives us the infrastructure to take what we've built regionally and offer it to riders across the country.”
“Ekho gave us a compliant way to sell online—but more importantly, it works. We're seeing best-in-class ROAS and improving conversion month over month.”
Insights for your business
The 800-Pound Gorilla Just Got a Franchise License
Carvana spent $160M to become the #1 CDJR dealer in America. You can’t compete on price or inventory. Here are the three battlegrounds that matter.
The Two Problems Killing Powersports Growth
Powersports isn’t short on demand. It’s short on response. Notes from my webinar with the NPDA’s Mark Sheffield.
Why “Online Vehicle Sales” Usually Breaks at Checkout
Most “online checkout” tools are lead-capture forms in costume — and the marketplace “Buy Now” button is the most expensive lead form a dealer has ever paid for.
The end of the price-on-the-windshield era
The FTC’s 2026 enforcement wave has shifted from threat to practice — and it’s spreading well beyond auto.
Accessories Drive Margin. Why Aren't They in Every Deal?
Parts and accessories carry 32.6% gross margin. Most of those dollars never make it into the deal — until now.
The To-Don’t List: What the Best Vehicle Dealerships Stop Doing in 2026
Operational discipline is the cheapest competitive edge in vehicle retail. Here are the habits worth cutting across every department. Most dealership improvement plans start with a list of things to...
Your 2019 Training Playbook Is Why Your Team Is Falling Behind: A 2026 Workforce Guide for Vehicle Dealerships
Most dealers still train their teams like the buyer hasn't changed in a decade. The buyer changed. The skills changed. Here is what to teach now, and how to build a team that compounds.
The Menu Is the Lever: How Online F&I Presentation Decides Penetration and PVR
Online F&I lives or dies on menu design. Here's how to build one that buyers actually convert on.
Will Online Sales Steal From Your Showroom? The Math Says No, Here's Why.
Will online sales cannibalize the showroom? The data, and the operating model that makes it pure incremental volume.
Frequently Asked Questions
Everything from checkout to keys. Ekho handles the full deal lifecycle — vehicle configuration, payment processing, financing with multi-lender rate shopping, fraud prevention, tax calculation, titling, registration, and delivery coordination.
Buyers can apply for financing directly at checkout. Ekho shops rates across multiple lenders — including captive and third-party options — and returns pre-qualified offers in seconds. No hard credit pull required for pre-qualification.
Yes. Ekho uses AI-powered fraud prevention with device fingerprinting, identity verification, and real-time risk scoring. Payment processing is fully PCI-compliant, and all sensitive data is encrypted in transit and at rest.
Yes. Ekho automates the titling and registration process — including DMV paperwork, temporary tags, signature collection, and plate shipment. Your team doesn't have to touch a single form.
Credit cards, debit cards, ACH bank transfers, and digital wallets. All payments are processed with full PCI compliance.
Yes. The Transaction Engine works standalone — you can embed Ekho's checkout on your existing website or use it alongside any other tools. It also integrates with your DMS for automatic deal syncing.
Yes. Ekho embeds F&I directly into the checkout flow. Buyers can choose from extended warranties, GAP insurance, tire and wheel protection, and other aftermarket products — with coverage tiers and pricing presented transparently. Dealers control which products are offered and retain their standard margins.
Ekho integrates with your existing lender panel and supports lender-specific rate sheets and reserve structures. Dealer participation and points are managed through your standard lender agreements. Ekho surfaces multiple offers to the buyer and lets them compare — your reserve income is unaffected.
Tee up the deal.
We'll handle the rest.
Start closing compliant, fully automated deals across all 50 states with Ekho's Transaction Engine.
Book a demo