All Posts by Christina Lavingia

Manually Accept Credit Card Payments: Everything You Need to Know

Manually Accept Credit Card Payments: Everything You Need to Know

If you run or work for a business that accepts card-not-present transactions, it’s important to understand the finer points of manual card processing. While it’s 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’s both a security and financial risk to manually accept credit card payments carelessly. Card-not-present transactions represent the largest percentage of card fraud, and it’s trending up. Fraudulent e-commerce transactions are expected to reach $19 billion in 2018, with card-not-present fraud accounting for 45 percent…

EMV Compliance Is Still a Dream for Most Businesses

EMV Compliance Is Still a Dream for Most Businesses

“Why are we using these slow EMV cards?” We get this question a lot from businesses and consumers alike even years after the EMV liability shift. With this change, the major card brands (Visa, MasterCard, Discover and Amex) lifted the responsibility for fraudulent transactions off their shoulders and onto businesses’ for improperly swiped EMV cards. The intent was twofold: Eliminate fraudulent transactions due to cloned cards Encourage EMV compliance by merchants Why Chip Cards Are Still Swiped In a Credit Card Chip Reader It’s easy for consumers to take the importance of proper chip-card processing for granted. As of…

5 Best Practices for POS Credit Card Terminal Security

5 Best Practices for POS Credit Card Terminal Security

Maintaining a secure business doesn’t just benefit you; it also benefits the customers who frequent your business and pay for your services. Simply locking your cash drawer isn’t enough if you accept credit card payments. Fraud costs businesses and consumers alike. According to the Federal Trade Commision, consumers reported over $744 million in fraud complaints in 2016. These complaints can impact the buyer perception of businesses that are breached or neglectful of fraud occurring on their premises. By implementing a device security protocol, you can stay on top of your business’s PCI compliance and actively prevent fraud.…

How to Receive ACH Payments With PayJunction

How to Receive ACH Payments With PayJunction

Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to run echeck payment processing. How to Receive ACH Payments 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. On this page, select the “E-check” tab in the top menu. Enter the routing and account number on the check. Next, select the account type and transaction type. PPD is generally for personal transactions and CCD is for business transactions. Next, enter…