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Why Dealerships Are Upgrading Payments Without Replacing Their DMS
For many dealerships, payments have traditionally been treated as a back-end function, necessary, but not strategic. But, as margins tighten and customer expectations increase, that’s starting to change. Integrated payment solutions are part of that shift, making it possible for dealers to add new payment features that can save time and cut costs in a day or less. While some dealers may think they have to choose between the payment options that exist inside their DMS or adding a disconnected third-party tool, a no-code payment integration can offer dealers the best of both worlds. At a basic level, integrated payments connect the transaction process directly into dealership systems, such as the DMS or service platform. Instead of manually entering the transaction amount into the payment system and then going back to the invoice or repair order to mark it as paid, integrated payments connect these systems and remove the manual steps. The result is a simpler, more connected way to accept payments. This also means dealership payment upgrades can be deployed quickly, often in a day or less, without requiring a DMS change or employee workflow overhaul. Now, with the quick and easy upgrade that integrated payment systems offer, more dealers are able to assess the strategic impact that upgrading to a payment processor designed specifically for dealerships can bring, both to the customer experience and the bottom line.
PayJunction Team
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Credit Card Surcharge Laws by State: Considerations for Merchants
Credit card surcharging rules are not one-size-fits-all. While federal regulations and card brand rules provide a general framework, individual states still have unique requirements for credit card payments and credit card processing fees that merchants must follow. Below, we provide excerpts from and links to surcharging laws and regulatory guidance in certain states where merchants have raised questions in the past. The content provided here is for informational purposes only, may not reflect the most recent legal developments, and does not constitute legal advice. Get Up to $10,000 When You Switch* New auto customers can offset nearly all credit card costs and earn up to a $10,000 statement credit when they switch to PayJunction’s SmartSurcharge. *Rules apply GET DEMO NOW
PayJunction Team
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How Andean Chevrolet Reduced Monthly Processing Fees from $40k to $6k
Credit card processing fees were quietly draining margin at Andean Chevrolet. In June alone, the dealership spent nearly $40,000 on credit card processing. That level of expense limited their flexibility, and hurt their bottom line profit.
PayJunction Team
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How Statewide Ford Simplified Payments & Offset Over 50% of Processing Costs with SmartSurcharge™
For Statewide Ford, the goals were clear: reduce credit card processing costs, maintain full compliance with card brand rules, and simplify payment operations across the dealership. That’s why they partnered with PayJunction, a trusted partner committed to their long-term success. With PayJunction’s SmartSurcharge program and suite of modern tools, Statewide Ford now offsets over half of their total card processing fees annually with compliant technology that protects their CSI. And, after eight years working with PayJunction, the dealership has no intention to go elsewhere. “I couldn’t be any happier,” said Stacy, the dealership’s controller, “We don’t need to look at anything else because the service is that good.”
PayJunction Team
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Strategic Surcharge: How CPAs Turn Credit Card Costs Into Real Business Value
Most businesses don’t realize they are paying 2-3% of every credit card sale as processing fees. For many, that cost quietly piles up month after month and becomes an unnecessary drag on cash flow, EBITDA, and overall financial health, especially for small businesses. CPAs see this erosion firsthand when they analyze financial statements, reconcile expenses, or prepare year-end reports. That puts accountants in a unique position to uncover one of the most overlooked margin-recovery opportunities in today’s economy.
Randy Modos
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PCI Compliance 4.0: Essential Details Dealerships Should Know
If your dealership accepts credit or debit card payments, you're required to comply with the Payment Card Industry Data Security Standard (PCI DSS). The major card brands created PCI DSS compliance to protect sensitive and valuable cardholder data, and the newest version, PCI DSS v4.0.1, raises the bar.
PayJunction Team
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