Extras aside, surely the AP goes to Motability, not the dealer, the dealer only gets his commission, so what does Motability say about the method of payment. I certainly wouldn’t want to be paying anything and so far I never have, before I inspected the car and put the pin in. To add someone to my Bacs payment I need to register them and have a two hour cooling off period before I can pay them, so would need to sort that out beforehand.