All Posts by Christina Lavingia

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…

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…

Will an Electronic Signature Hold Up in Court?

Will an Electronic Signature Hold Up in Court?

In the age of convenience, it’s no surprise that documents — and even signatures — are being digitized. In comparison to the old process of mailing documents to obtain a signature or requiring a customer to visit your business, digital signatures offer an efficiency boon for businesses and customers alike. You’ve likely shopped at a business that had an electronic PIN pad that prompted you to sign on the screen instead of printed receipt paper. If you’re a business owner, this likely prompted you to wonder, “Are electronic signatures as legally binding as traditional paper signatures?” If you’re…