Panos Kotselas, Senior Director of Payment Operations at myKaarma, joins Inside Automotive to explain how dealerships can manage credit card surcharge compliance across state lines and payment channels. In the first installment of a three-part series, Kotselas discusses how varying state laws and card network requirements affect dealer groups, why employee training matters and how clear payment processes can protect the customer experience.

• Why surcharge rules become more complex as dealer groups expand across multiple states
• The differences between credit and debit card surcharge requirements
• How myKaarma’s rules engine helps dealerships maintain compliance across online and in-person payments
• How remote and on-site training prepare employees to explain surcharges and address customer questions
• Why transparency helps prevent payment surprises and improve customer confidence
• How alternative payment options, including buy now, pay later, can support customers with different payment needs

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