SECURE PAYMENTS
Secure dealership payments
Protect your dealership payments for every payment. Bring cardholder authentication, employee access controls, refund verification, and dispute support into your dealership’s payment workflows with myKaarma.
Explore payment security
Protect the payment and Control the process.
myKaarma is a service growth platform built for franchise dealerships, with payment tools that help your team verify online customers, manage sensitive actions, and investigate transaction activity to give you control of payments across every department and under every rooftop. myKaarma includes robust access control and customization to ensure payments work in every department with secure access for refunds.
Reduce online payment fraud exposure with 3D Secure
Remote payments give customers flexibility. 3D Secure adds cardholder authentication through the customer’s card issuer to help reduce your dealership’s exposure to card-not-present fraud.
Verify the person behind the payment
Customers complete their issuer’s verification step when required during supported online and payment-link checkout.
Shift liability on eligible payments
Successfully authenticated, eligible transactions can qualify for a shift in liability for certain fraudulent-payment disputes.
3D Secure does not cover every chargeback. Disagreements about services and other dispute categories remain outside this protection. Coverage also depends on whether authentication applies to the transaction.
Give employees the access their responsibilities require
Your cashiers, advisors, and managers may need different payment capabilities. Authorized administrators can manage access to sensitive functions and review permissions by user, store, and department.
Control sensitive payment functions
Restrict refunds, manual card entry, warranty payments, and dispute management to authorized employees. Available controls depend on the payment product and dealership configuration.
Verify identity before returning funds
Refunds require multi-factor authentication (MFA), which adds employee identity verification to the action. Employees who use single sign-on must also complete refund verification.
Make manual card entry a controlled option
Manual-entry fields appear only when the user’s permissions and dealership setup allow them. Manual card entry carries greater fraud and chargeback risk, so use supported terminals or customer payment links when possible.
Add verification to employee sign-in
Supported authentication options include authenticator apps and email or text verification. Single sign-on (SSO) supports organizational sign-in. Available methods depend on configuration.
Know what happened. See the details.
Connected transaction records help your team investigate a payment, review a refund, or reconcile a deposit without piecing together separate terminal reports.
Follow activity across departments
Review transaction references, departments, users, payment methods, and statuses. Department- and cashier-level reporting helps your team investigate individual transactions.
Review the original payment before a refund
Confirm the amount, payment method, and transaction status before returning funds. Available refund and void actions depend on transaction status, gateway, and employee access.
Connect payment activity to payouts
Daily reconciliation reports and itemized payout detail help accounting connect transaction activity to deposits and investigate differences.
SURCHARGE SAVINGS
Stop letting processing costs chip away at your margin
See how myKaarma Payments can help your dealership offset eligible credit-card fees and manage payments across departments.
FAQ
About secure dealership payments
3D Secure adds cardholder authentication to supported online and payment-link transactions. Eligible authenticated transactions can qualify for a shift in liability for certain fraudulent-payment disputes.
No. 3D Secure addresses eligible fraudulent-payment disputes when protection applies. Disagreements about services and other chargeback categories are outside that coverage. Manually entered payments are not automatically covered.
Yes. Authorized administrators can manage payment permissions, including refund access and manual card entry. Available functions depend on the payment product, user assignments, and dealership configuration.
Yes. Refund actions require multi-factor authentication, including for employees who sign in through SSO. The verification method depends on the user’s configuration.
Payment access can depend on the user’s store, department, and multi-store assignments, alongside the applicable payment permissions.
Our Dispute Management tab lets you review and respond to disputes, submit evidence, and track progress with guidance from our dedicated Payments team.