PayJunction Blog

How Andean Chevrolet Reduced Monthly Processing Fees from $40k to $6k

PayJunction Team — Wed, 11 Mar 2026 16:28:34 GMT

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.

How Statewide Ford Simplified Payments & Offset Over 50% of Processing Costs with SmartSurcharge™

PayJunction Team — Tue, 20 Jan 2026 18:54:42 GMT

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.”

Strategic Surcharge: How CPAs Turn Credit Card Costs Into Real Business Value

Randy Modos — Fri, 09 Jan 2026 18:54:03 GMT

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.

PCI Compliance 4.0: Essential Details Dealerships Should Know

PayJunction Team — Fri, 24 Oct 2025 20:26:09 GMT

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.

Understanding Payment Options for the Automotive Industry: Third Party Payment Processors vs. MSPs

PayJunction Team — Thu, 18 Sep 2025 19:26:59 GMT

The Landscape of Payment Processing

If you've ever felt like navigating the world of payment processing is unnecessarily complicated, you're not alone. There are numerous moving parts, and many payment processing companies claim to make it easy for you to accept card payments. But beneath the surface, these providers operate under very different models, each with varying pricing models, transaction fees, onboarding processes, and risk factors.

Compliant Surcharge Staff Training Checklist for the Auto Industry

PayJunction Team — Fri, 29 Aug 2025 22:08:02 GMT

Running a dealership or repair shop means every customer interaction matters, especially when it comes to payments. If your business is adding a credit card surcharge to offset processing costs, it’s critical that your staff understands the rules, communicates clearly, and avoids costly mistakes.

Online Payment Systems for Automotive Dealerships: A Practical Guide to Securely Accepting Payments

Michelle Wagner — Fri, 22 Aug 2025 20:34:25 GMT

Many customers expect dealerships to offer fast, convenient, and secure payment options, whether they're purchasing a vehicle, servicing one, or ordering parts. With modern online payment solutions, your dealership can meet expectations by reducing friction, increasing cash flow, and streamlining operations across Sales, Service, and Parts.

Five Ways MSPs Can Win More Clients With Integrated Payments

PayJunction Team — Tue, 22 Jul 2025 20:58:11 GMT

Today’s Managed Service Providers (MSPs) have a major opportunity: take control of embedded payments to unlock new revenue and deliver better service without adding complexity. Your clients need payments that are easy to use, secure, and seamlessly integrated, and you need a partner that helps you get there faster. Here are a few attainable achievements that MSPs can quickly adopt to improve the payment experience for their clients while growing revenue for their own business.

Already Surcharging? Make Sure You’re Not Leaving Money on the Table

Randy Modos — Fri, 18 Jul 2025 16:04:55 GMT

If you’re already surcharging credit card payments, you’ve taken a smart step toward lowering your payment costs. But you could still be missing out, especially when it comes to debit fees and surcharge compliance. A quick check can help you spot hidden costs and avoid compliance risks.

Compliant Surcharge Checklist: Protect Your Dealership’s Margins Without Breaking the Rules

Randy Modos — Wed, 09 Jul 2025 14:50:37 GMT

What is a Surcharge?

A surcharge is a small fee added to credit card transactions to offset payment processing costs. It allows dealerships to protect profit margins without raising prices across the board.

Offsetting credit card processing fees with surcharging is legal in most states and can be implemented without generating customer complaints, but only when done correctly. That's why PayJunction offers a wide range of surcharging materials and support to help dealers successfully offset their credit card processing costs while remaining compliant with surcharge laws.