DealerDriven - Automotive Dealers Products, Process and Profits - Merchant Services

How it Works

When a customer pays with a credit card, an extra fee (usually around 3–4%) is added to cover the processing cost.
When a customer pays with debit, cash, or ACH, no surcharge is applied.
This ensures transparency and gives customers a choice while dramatically reducing the dealership’s merchant fees.

Key Benefits

Cuts Merchant Processing Fees - It can cut merchant fees by 80-100%. Dealerships spend routinely $5,000-$25,000 per month on credit card fees. Surcharge programs can elimiated most or all of these costs
Compliant & Legal in Most States - When implemented correctly (with signage, correct processor setup, and proper POS integration), surcharge programs are: Fully compliant with Visa/Mastercard rules & legal in most United States
Keeps Prices Competitive - Instead of raising service or parts prices to cover fees, dealerships allow customers who use credit cards to cover the cost of that convenience
Customers Still have a Choice - Credit Card - Pay with convenience, small surcharge and they often get travel points or reimbursement. Debit, Cash, and ACH = No Surcharge
Boost Profit Margins - Especially impactful in: Service departments, Parts counters, Recon departments, BHPH payments, Online payments, or any business taking credit cards