Latest Articles

How to Key in a Transaction With PayJunction

How to Key in a Transaction With PayJunction

Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to process a credit card by keying it in. After logging into PayJunction, the process page will automatically load, but if you happen to be on another page, just click “Process” from the menu on the left. Next, enter the card number and select the expiration date. The action is automatically set to charge, but you can also refund, authorize, or force from this menu. Once the desired action is selected, enter the amount to process. Now, enter the billing…

5 Businesses Share Their Tips for a Paperless Office

5 Businesses Share Their Tips for a Paperless Office

Going green is about more than one’s self-esteem. For businesses, reducing their environmental impact and going paperless brings significant financial and efficiency benefits. It’s not surprising, therefore, that 49 percent of CEOs surveyed claimed sustainability ranked among their top three business initiatives, according to Nitro. Sustainability is more than a pipe dream: 33 percent of surveyed businesses reported being “nearly there” in becoming paper free, according to Nitro’s research. With the help of the right software, organizational know-how and an openness to change, your business can go digital and reduce your environmental footprint, resulting in more office…

How to Process a Transaction Using the Smart Terminal

How to Process a Transaction Using the Smart Terminal

Welcome to PayJunction University, where we teach you how to use PayJunction like a pro. Today’s lesson will show you how to process a transaction with the Smart Terminal. After logging into PayJunction, select “Process a Credit Card” from the left-hand column. Then select the “Smart Terminal” tab on the top of the page. Now, select which terminal and account you would like to use. Enter the transaction amount and click “Request Payment” at the bottom of the screen. Your customer will take over from here. If tips are enabled on your account, they will be presented with a…

What Causes Interchange Fluctuation?

What Causes Interchange Fluctuation?

If you’re on an Interchange-plus rate plan, you pay the wholesale cost to run a transaction (known as Interchange) plus a provider markup. The wholesale cost is determined by the card brands (Visa, MasterCard, Discover and Amex) and accounts for the risk or rewards associated with the card. If you’re processing a relatively consistent volume from month to month, say $35,000 in April and $34,500 in May, you might expect your merchant statements to be similar. Sometimes that’s the case; sometimes it’s not. Why? Because the percentage of your aggregate volume for a given…

What Defines PCI Scope?

What Defines PCI Scope?

Whether you’re a player in the payments space or a business processing credit cards, you’ve heard of Payment Card Industry (PCI) compliance. With the intention to optimize security around credit and debit card transactions and protect cardholder information, all parties involved in facilitating a transaction fall within PCI scope. This includes any system components connected to the cardholder data environment (CDE). Processing credit cards can involve many different components, so PCI scope varies depending on the breadth of an organization's CDE. Because of this, many businesses are unaware of the components they are responsible for and which even…