Surcharging remains one of the biggest cost recovery opportunities available to dealers, but it comes with a shifting set of state laws and card brand rules that are easy to get wrong. At the same time, customers are asking about newer payment options like cryptocurrency, adding another layer for dealership finance teams to navigate alongside the service drive, F&I, and accounts payable.
This session covers the full picture of where dealership payments stand today. We will break down the compliance landscape shaping surcharging, including card brand rules, state law variation, and how the FTC evaluates fee disclosure. From there, we will look at what dealers need to know about accepting emerging payment types like cryptocurrency, and how bringing payment activity into one centralized view can give dealership leaders better visibility and control across every payment method, department, and transaction.
Attendees will leave with a clear understanding of the compliance requirements that matter most right now, what to consider before accepting newer payment types, and how consolidating payment operations can reduce risk and administrative burden across the dealership.
Takeaways
- Know the real difference between surcharging and cash discounting, and why using the wrong structure creates compliance exposure even with good intent.
- Understand what accepting cryptocurrency actually means for a dealership today: the basics of how it works, the questions to ask before offering it, and where compliance and customer experience considerations come in.
- See why consolidating payment types, including surcharge programs, digital wallets, and crypto, into one centralized view helps dealership leaders monitor compliance, transactions, and performance instead of managing each payment method separately.