$0
your cost
3% surcharge passed to customer. Fully compliant with card brand rules.
Pricing & Savings
Dealership Credit Card Processing Pricing: $99 a Month. That’s It.
One flat fee per location — $0 setup, $0 hardware, no PCI compliance fees. Credit card users cover the 3% surcharge, you pay 1.05% on debit, and your processing cost drops by up to 90%. Here’s the whole price list, and the math behind it.
The Whole Price List
Three Numbers. No Asterisks.
Pass the 3% fee to credit card users. Pay 1.05% on debit. One flat monthly fee covers everything else.
1.05%
You pay the standard debit rate. No surcharge applied to the customer.
$99/mo
Flat fee per location. No hidden costs. Includes everything.
Debit, prepaid, and gift cards are never surcharged — 1.05% is what you pay on them, and your blended cost varies with your card mix. Surcharging runs inside Visa and Mastercard rules and state law; the surcharge program covers how compliance is handled for you.
The Math
What This Does to a Real Statement
Take a store running $400K a month in card volume, 60% credit / 40% debit — and about 3% blended cost today.
| Monthly volume | Today (~3% blended) | With surcharging |
|---|---|---|
| Credit — $240,000 | $7,200 in fees | $0 — customers cover the 3% |
| Debit — $160,000 | $4,800 in fees | $1,680 at 1.05% |
| Processing cost | $12,000/mo | $1,680/mo |
That store keeps $10,320 a month — $123,840 a year, an 86% cut. Heavier credit mixes push it higher; that’s the “up to 90%”.
Where’s the $99?
On top, and flat: $99 per location per month, not buried in the processing math above. On this store it’s under 1% of the monthly savings — and it covers everything in the list below.
$0 to Get Started. $99/Month. That’s It.
No equipment costs. No installation fees. No training charges. No surprise invoices.
Over $2,900 in equipment and services is included free. It costs $0 to get started, then $99 per month.
- Ingenico Lane 5000P2PE-encrypted, EMV + Tap to Pay terminals$800FREE
- In-Person InstallationWe come to you and set everything up$500FREE
- Launch TrainingYour team trained on day one, in person$300FREE
- Virtual TrainingNew hires, feature updates, refreshersOngoingFREE
- Managed PCI ComplianceWe handle all SAQ questionnaires for you$1,000FREE
- Compliant SignageRequired surcharge notices for your locations$200FREE
- Custom DashboardsReal-time reporting tailored to your dealership$100FREE
Total value included
$2,900
$0 to get started · then $99/month
Book a Demo
Your Numbers
Run Your Own Statement
Set your monthly card volume and credit/debit mix, then hit Activate.
Before
$12,000/mo
86%
you save
After
$1,680/mo
$50K$2M
40%80%
Estimate assumes ~3% blended card cost today and 1.05% on debit, with the 3% credit surcharge passed to the customer. Drag the sliders to match your dealership.
Pricing FAQ
The Money Questions
Everything. Payment processing platform, Growth Suite marketing tools, PCI compliance management, ongoing support, and virtual training. No hidden fees.
None. The Ingenico Lane 5000 terminals, in-person installation, launch training, compliant signage, and managed PCI compliance are all included — about $2,900 in value at $0.
1.05% — and the customer is never surcharged on debit, prepaid, or gift cards. Your blended cost varies with your card mix.
No contracts. The fee is $99 a month per location, month to month.
Arithmetic, not a promise. Credit fees drop to zero because the customer covers the 3% surcharge; you keep paying 1.05% on debit. At a 60/40 credit-to-debit mix that works out to an 86% cut — heavier credit mixes push it toward and past 90%. Run your mix through the calculator above.
The Next Step
See these numbers on your own statement
Book a demo: the program running in CDK Drive, the math on your card volume, and straight answers on anything we didn’t cover here. 100+ franchise dealerships nationwide · 20 years in payments · Houston, TX.
Book a Demo