payment-method-deciderlisted

# Payment Method Decider Compare the buyer's authorized payment options using written dealer and issuer terms. Payment method can change price, incentives, fees and borrowing costs. Retain the buyer's preference; do not switch to financing or a lease silently. Keep internal `walk_away`, maximum monthly payment and account details private. ## Inputs Use known information first and obtain only missing terms: - Complete same-vehicle OTD for each payment method, with conditional incentives. - Dealer's accepted instruments, aggregate and per-transaction card limits, surcharge/fixed fees, settlement requirements and verified payee details. - Issuer's actual eligible purchase categories, reward rate, remaining cap, treatment of surcharges, attainable redemption value and exclusions. - Available credit/funds, statement/grace-period terms and ability to pay in full. - For borrowing: principal, down payment, note interest rate, disclosed APR, payment schedule, term, fees, prepayment terms and dated payoff conditions. There is no universal PCI card transaction cap, dealer surcharge or card-brand reward rate. A car intended for travel does not become travel-category spending. ACH is a transfer method, distinct from a wire and from an auto loan. ## Card comparison For the eligible card portion, let `C` be the amount before the card surcharge, `S` the actual surcharge and `R` the attainable incremental reward. Compare: ```text incremental_cost = S + card_interest + other_incr