All Posts by Christina Lavingia

Why We Care About Ethical Credit Card Processing

Why We Care About Ethical Credit Card Processing

Read enough about PayJunction’s company culture, and it’s clear we prioritize long-term relationships over short-term profit. That’s not just a nice-sounding statement, it’s what we practice every day with our customers. Since we launched our blog, we’ve largely focused on unethical billing issues. These are the unfortunate, but all-too-common, ways players in the payments space unfairly profit off their customers. Because everyone does it, there’s an assumption among providers that it’s OK. Business owners are left to believe they can’t escape fake fees and hidden markups because they’re the norm. Complex…

Streamline Online Payment Forms With JotForm and PayJunction

Streamline Online Payment Forms With JotForm and PayJunction

Businesses routinely make use of digital forms to tackle numerous organizational and transactional tasks. With a user base of 2.5 million worldwide, JotForm is at the forefront of easy online form creation, enabling businesses to build custom forms with simple drag-and-drop tools. No coding background is required. PayJunction, a PCI Level 1 Merchant Account Provider and Payment Gateway, received a call from JotForm about a potential payments integration. With a shared belief in paperless technology, the partnership was an obvious fit, and JotForm’s team integrated with PayJunction for its online payment forms in a matter of weeks. The…

5 Reasons Why You Need a Customer-Facing Terminal

5 Reasons Why You Need a Customer-Facing Terminal

If you’re shopping for a new credit card terminal, it’s easy to feel overwhelmed by your options. Make the wrong choice and you could be in the same position in a year’s time. Changes in payment technology and consumer trends are unpredictable, but some credit card terminals are better suited for the future than others. Without over-complicating the matter with makes and models, we’ll focus simply on the credit card terminal's physical orientation. There are five compelling reasons why you should opt for a customer-facing terminal over a traditional cashier-facing one. The Imminent Rise of Chip…

5 Benefits of Our Semi-Integrated Terminal

5 Benefits of Our Semi-Integrated Terminal

Software developers have many options when choosing a terminal to enable payments in their applications; however, one type of terminal benefits software developers the most: a semi-integrated terminal. Choosing the right technology will substantially reduce development time and complexity. Here are the top five benefits of our cloud-based terminal. Semi-Integrated Reduces PCI Scope Terminals that are not semi-integrated require software developers to directly interact with credit card data. Any organization that transmits or stores credit card information is subject to the Payment Card Industry Data Security Standard (PCI DSS). This means costly annual audits to ensure the proper handling and…

How Refunds Impact Credit Card Processing Fees

How Refunds Impact Credit Card Processing Fees

Unless you have a no-returns policy, refunds are unavoidable. Even if your goods are in pristine condition, a change of heart can be enough to reverse a purchase decision. That said, refunds aren’t great for businesses. They represent more than a lost sale; they result in additional credit card processing fees. There are a few reasons for this (some are ethical; others not so much), but luckily you can sometimes bypass the unpleasant processing fees related to refunds altogether. Credit Card Processing Steps Numerous parties facilitate each credit card transaction, but the ability to void instead of refund a…