“Can an automotive-dealership service-lane SaaS own the end-to-end fixed-ops workflow by embedding payments, financing, and AI at every customer touchpoint?”
Founded in 2012 after CEO Ujj Nath experienced friction getting his own car repaired, myKaarma deliberately paired dealership-customer communications with payments as the two biggest consumer pain points in auto service. The company has steadily expanded into a full fixed-ops SaaS platform (scheduling, mobile check-in, video MPI, reporting, AI workflow tools) around that core, with embedded payments and surcharging as the monetization engine. More recently, the company has pushed into BNPL financing (Sunbit) and AI-driven workflow products.
myKaarma processes payments through myKaarma Payments (self-operated), Worldpay, Stripe, NMI, CardConnect, OpenEdge, Tempus and CreditCall.
myKaarma's lending and capital products are provided by Sunbit and Affirm.
myKaarma connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 3 layers in myKaarma's stack: Payments / PSP (myKaarma Payments (self-operated), Worldpay, Stripe, NMI and 4 others); Lending (Sunbit, Affirm, Sunbit BNPL for service/parts financing and Affirm (configurable gateway option)); Open banking (Plaid).
myKaarma was founded by Ujj Nath and is founded in 2012, headquartered in Long Beach, California, United States.
Get a read on where your own stack stands against myKaarma and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.