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Christina Lavingia

Manual Credit Card Processing: How to Charge a Credit Card Manually

If you run or work for a business that accepts card-not-present transactions, it’s important to understand the finer points of manual credit card processing. While it may be easy to simply gloss over these steps, especially when you’re on the phone with a customer and want to provide a fast, positive customer experience, it can be both a security and financial risk to manually accept credit card payments if done without the proper precautions.
Christina Lavingia 3/27/2025 READ MORE
Understanding and Managing Chargebacks at Automotive Dealerships

Automotive dealers know that successful transactions are critical for revenue, customer satisfaction, and trust. However, an increasingly familiar challenge dealers face is managing chargebacks: the financial reversal of a credit card transaction initiated by the cardholder’s bank. While often valid, chargebacks can also result from customer misunderstandings or fraudulent activity, creating financial strain and administrative headaches for dealerships.
Christina Lavingia 12/3/2024 READ MORE
PayJunction Reviews Highlight Exceptional Customer Service

At PayJunction we pride ourselves on the relationships we build with our customers. Last year, we received 160+ positive reviews, both internally and externally. In early 2023, we managed to increase our average Trustpilot rating from 4.8 to 4.9, and have continued to collect a number of “love letters” from our valued customers.
Christina Lavingia 5/24/2023 READ MORE
What Is PCI DSS?

PCI DSS stands for the Payment Card Industry Data Security Standard. Any business or organization that processes, stores or transmits cardholder data is required to adhere to PCI DSS. The credit card brands (Visa, MasterCard, Discover and Amex) created these security standards to prevent fraud and instate industry-wide standards.
Christina Lavingia 10/5/2021 READ MORE
How United Toyota Dealership Benefits From PayJunction Payment Processing

Forman Automotive, formerly Rogers & Rogers, is your typical multi-location auto dealership. Each day is busy as Forman Automotive features various brands at it's multiple locations, including United Toyota.
Christina Lavingia 9/7/2021 READ MORE
What Is an AVS Mismatch?

Declined transactions are stressful. No cardholder likes being in that position, and it’s a tense situation for business owners who lack answers to rectify the issue.
Christina Lavingia 8/19/2021 READ MORE