About: Randy Modos

Randy Modos

Randy Modos is the president and a co-founder of PayJunction, where he provides vision and leadership for the company as it pioneers payment technology and delivers operational efficiencies for businesses. Founded in 2000, PayJunction has consistently redefined the payment processing industry through innovation, customer advocacy, and transparent pricing.

Multi-location dealerships can turn payments into a competitive advantage with smooth, secure, and integrated technology.

Scaling payments across multi-location dealership groups

Randy Modos - October 10, 2025

Multi-location dealerships are complex machines. Sales, service, and parts all generate revenue, and each one depends on reliable and efficient payment technology to run smoothly. When payments are clunky, inconsistent,...

Articles F&I

Cash discounting vs. surcharging: The case for optimized surcharging

Randy Modos - September 18, 2025

Most auto dealerships operate on razor-thin profit margins while juggling rising costs for inventory and labor. Adding to these financial pressures, credit card processing fees, typically ranging from 1.5% to...

Management & Leadership Articles

Credit card surcharging helps auto dealerships cut costs but requires strict compliance to avoid fines, chargebacks, and damage to reputation.

How to know (and why you should care) if you’re not compliantly surcharging

Randy Modos - August 13, 2025

Credit card surcharging: Why compliance Is critical for auto dealerships Surcharging, adding a small fee to credit card transactions to offset processing costs, is a smart way for automotive dealerships to...

Daily Automotive News Articles

Payment processing isn’t often top of mind when dealership leaders think about profitability, but the wrong systems can chip away at margins.

Is your payment system undermining your dealership’s bottom line? Here’s how to regain control

Randy Modos - June 9, 2025

Payment processing isn’t often top of mind when auto dealership leaders think about profitability — but when left unchecked, the wrong payment systems can quietly chip away at margins. Rising credit card...

Articles F&I

About: Randy Modos

Randy Modos

Scaling payments across multi-location dealership groups

Cash discounting vs. surcharging: The case for optimized surcharging

How to know (and why you should care) if you’re not compliantly surcharging

Is your payment system undermining your dealership’s bottom line? Here’s how to regain control

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