All Posts by Christina Lavingia

What Is a Payment Gateway?

What Is a Payment Gateway?

Did you make an online purchase this week? Then you used a Payment Gateway without even knowing it. A Payment Gateway provides a safe method of transferring cardholder data from a website to a payment network for processing. It communicates the confirmation of sufficient funds and the transaction approval back to the website. It’s the technical glue that connects the point of sale to the payment network and is unique to card-not-present, online payments. Now, if you’re looking to accept online payments, you may be wondering how a Payment Gateway fits into the process. After all, there are…

PayJunction's Journey to Launching a New Website

PayJunction's Journey to Launching a New Website

Every business needs to have a dynamic, rich website. Every business in tech needs to exceed that expectation. We have long known that we needed an updated website to reflect both our brand and our pixel-perfect engineering ethos. Although PayJunction is a credit card processing company, we deliver our services in an elegant, simple and helpful way. We want our website to showcase this from the moment a visitor first looks us up. You may find yourself in a similar boat. Your business may be floating on a basic HTML site that meets the bare minimum of a web visitor’…

Why You Should Ditch Your Credit Card Processing Authorization Form

Why You Should Ditch Your Credit Card Processing Authorization Form

If you’ve been in business for long (or have been a patron at an old-school establishment), you’re likely all too familiar with the dreaded credit card processing authorization form. We say “dreaded” because these forms pose a number of issues for business owners that range from cumbersome to dangerous. Credit card processing authorization forms require customers to write down their full name, billing address, card type, credit card number, expiration date, CVV and provide a signature … on paper. This process is cumbersome because the information must then be keyed into a payment processing system. It’s dangerous because…

What Is MOTO Credit Card Processing?

What Is MOTO Credit Card Processing?

MOTO stands for Mail Order/Telephone Order and is a credit card processing pricing setup on a Tiered plan. MOTO credit card processing is best suited for businesses that primarily accept card-not-present transactions: Examples include e-commerce and delivery-based businesses. In contrast, Retail pricing is appropriate when the majority of transactions occur in-person. It’s important to establish the correct setup, which depends on the type of business you run. Failing to do so could result in higher rates, incorrect risk assessments and lost savings opportunities. How Tiered Pricing Works With Tiered pricing, transactions are bundled into one of three buckets:…

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…