MYKAARMA PAYMENTS
Save on Eligible Surcharge Fees
Recover eligible costs with a surcharge program that connects customer pricing, checkout, and accounting across departments.
myKaarma’s credit card surcharging works through myKaarma Payments Processing, bringing cost recovery into your existing dealership payment workflows.
Surcharge savings calculator
See what your dealership could save
Your dealership’s payments
| Fee breakdown | Current | myKaarma Payments | Savings* |
|---|---|---|---|
| Credit card processing (3%) | $5,625.00 | $0.00 | $5,625.00 |
| Debit card processing (1%) | $625.00 | $625.00 | $0.00 |
| Net dealership cost | $6,250.00 | $625.00 | $5,625.00 |
Why surcharging
Keep more of each eligible credit card payment
Apply surcharges to eligible transactions
myKaarma applies the applicable surcharge through supported payment workflows. Debit and prepaid cards are excluded from surcharging, and program availability depends on applicable requirements and your dealership’s setup.
Use one approach across departments
Give your departments a consistent way to handle surcharged payments. Connected software helps your team manage payment requests, terminal transactions, and reporting within the same platform.
Connect fees to accounting
Track eligible credit-card payments, surcharge amounts, and associated payment records across every department and rooftop
Dealership Surcharging in one Payment Platform
myKaarma Payments enables dealership transactions across different departments and rooftops with combined reporting and reconciliation.
Customers can pay the way they want with mobile payments and custom payment terminals with clear disclosures for surcharging throughout the service experience. Your dealerships get one process from invoice to completed transaction.
THE PAYMENT PLATFORM FOR DEALERSHIPS
Secure Payments in One Trusted Platform
myKaarma streamlines payments with direct integration into your DMS and service lane along with compliant payment options, surcharging on credit cards, BNPL integrations, and customized payment terminals for every department.
Contactless Card Payments
DMS Integration
Fully Compliant Credit Card Processing
Apple Pay and Google Pay for Retail
Online Payments via Text and Email
3D Secure Payments with Chargeback Prevention*
Buy Now Pay Later Integration
ACH Payments
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.
myKAARMA PAYMENTS
Frequently Asked Questions
A credit card surcharge is a disclosed fee added when a customer uses an eligible credit card. It helps the dealership offset some or all of its cost for accepting that payment, subject to applicable limits.
No. Card-network rules prohibit surcharges on debit and prepaid cards, including debit cards processed without a personal identification number. The payment workflow must distinguish those cards from eligible credit cards.
Applicable card-network rules require clear disclosure before the transaction and separate identification of the surcharge on the receipt. Additional requirements may apply based on the dealership’s locations and payment channels.
Clear disclosure gives your customer a chance to understand the surcharge and select another accepted payment method when available.
Your team will automatically receive a report every day showing all of the payments done via myKaarma. They will also have the ability to manually pull payment reconciliation reporting giving your accounting office the ability to streamline their end-of-month operations.
Please visit the Partners page to see a list of accepted payment gateway partners.
Yes, our payment tools are built with cutting-edge PCI security technology to keep your customers’ information safe from bad actors. We also protect your dealership from potential fraudulent chargebacks using tools like 3DSecure. Book time with our experts to learn more!
*Savings estimates are based on reduced processing fees when using myKaarma