Take card payments that tie back to the ledger

Taking card payments usually means three headaches for a dealership: the risk of holding card data, surcharging that is applied by hand and inconsistently, and a merchant statement that never quite ties back to the ledger when the payout lands. MDMS removes all three with a provider-agnostic payment ledger that works with Stripe, Tyro or Square. Card details never touch MDMS at all, only the provider's transaction reference is stored, so the sensitive data stays with the provider where it belongs.

Recording a payment is as simple as entering the provider transaction reference against an open invoice, and the ledger does the accounting for you. A cost-of-acceptance surcharge cap is set per provider and enforced automatically, so you never over-recover on card fees. Card receipts land in a Merchant Clearing account, and when the provider pays out, reconciliation moves that clearing balance to the bank net of fees, with the fees posted to Merchant Fees. Webhook processing is idempotent so a duplicate event never double-posts, and refunds reverse the original posting cleanly, so the merchant statement and your ledger finally agree.