--- title: PayJunction Blog | Michelle Wagner (3) description: Michelle Graff Wagner brings decades of strategic and hands-on global experience in the payments industry to her writing for PayJunction. As the founder of The Get It Factory, she uses her expertise to translate complex payment technologies into conversational, compelling content that drives results. (3) --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. Get time back and spend it with furry patients.](https://www2.payjunction.com/payment-processing-veterinarians) - [Dental Simplify patient payments with multiple means of collection at your dental practice. Meet patient expectations and elevate the payment experience.](https://www2.payjunction.com/payment-processing-dentists) - [Auto Dealer Manage dealership payments by department, brand and location. Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # PayJunction Blog Real solutions to streamline your business. Featured Resource: Assess Your Merchant Statements DOWNLOAD NOW Show All ACH Animal Hospitals API Auto Dealership Auto Repair Auto Shop Business Management Business Tips Cards on File Case Study Chargebacks COVID-19 Credit Card Processing Dentistry Developer Resources E-Commerce Electronic Receipt EMV Enterprise Business Industry News Integrated Payments Legal Services Liability Shift Medical Practices Merchant Account NFC No-code Payments Integration® Paperless PayJunction Culture PJ University Questions and Answers Rates Remote Payments Remote Signature Security Smart Terminal Surcharge Survey Transparency Unethical Billing Veterinary Virtual Terminal ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=72&height=72&name=Headshot%202018%201.jpg) #### Michelle Wagner - ## [![5 Tips to Boost Your Vet Clinic’s Payment-Related Productivity](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/veterinary-payment-productivity.svg) 5 Tips to Boost Your Vet Clinic’s Payment-Related Productivity Veterinary clinics have navigated changing social norms, adding practices including telehealth, curbside servicing, and fear-free experiences. Time-saving and productive payment acceptance processes are a must to meet changing client behaviors and evolving payment methods. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 3/5/2024 READ MORE](https://blog.payjunction.com/veterinary-payment-productivity) - ## [![4 Efficient Remote Payment Methods for Your Vet Clinic](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/veterinary-remote-payments.svg) 4 Efficient Remote Payment Methods for Your Vet Clinic Veterinary care has seen a remarkable transformation driven by various services to meet patients' expanding needs beyond routine checkups or surgery. Many clinics offer telehealth appointments, curbside pick-up/drop-off, grooming services, daycare, prescription programs, wellness plans, and more. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 3/4/2024 READ MORE](https://blog.payjunction.com/veterinary-remote-payments) - ## [![No-code Payment Integration: All You Need to Know](https://blog.payjunction.com/hubfs/BLOG/BLOG%20IN-LINE%20IMAGES/No%20Code%20Payment%20Integration%20-%20All%20You%20Need%20to%20Know.svg) No-code Payment Integration: All You Need to Know No-code technology is revolutionary for building and deploying software solutions without writing code. The popular and rapidly growing trend empowers individuals with or without technical coding skills to rapidly create and deploy complex software solutions. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 8/7/2023 READ MORE](https://blog.payjunction.com/no-code-payment-integration) - ## [![What is a Payment Gateway? Definition, Benefits, Features & More](https://blog.payjunction.com/hubfs/BLOG/HERO%20IMAGES/What%20is%20a%20Payment%20Gateway.svg) What is a Payment Gateway? Definition, Benefits, Features & More Accepting payments has become increasingly complex due in part to the rapid growth of online and mobile experiences, the popularity of digital wallets and an increase in recurring or subscription services. Powering all the interaction points throughout a transaction’s lifecycle requires an expanding array of technologies and networks to securely connect point-of-sale (POS) systems, websites, payment processors, bank accounts and card brands. A crucial part of the equation is the Payment Gateway. You may have casually heard the term and are wondering “What is a Payment Gateway?” or “How is it different from a Payment Processor?” This article answers those questions and takes a deeper dive into important features and benefits to help you decide what type of payment gateway is best for your business. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 1/31/2023 READ MORE](https://blog.payjunction.com/payment-gateway) - ## [![Five Opportunities that ISVs Can’t Afford to Miss](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/5%20Opportunities%20for%20ISVs.svg) Five Opportunities that ISVs Can’t Afford to Miss A new year presents independent software vendors (ISVs) with fresh opportunities to invest in solutions, processes, and partnerships that help attract new customers, deepen existing relationships and generate new revenue streams. Hope is not a strategy, and success requires focus, measurable goals and due diligence so that ISVs can celebrate accomplishments and be prepared for the future. Here are a few attainable achievements that ISVs can quickly adopt to improve the payment experience for customers while growing revenue for their business. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 1/23/2023 READ MORE](https://blog.payjunction.com/isv-opportunities) - ## [![What are Embedded Payments and Are They Right for Your Software?](https://blog.payjunction.com/hubfs/BLOG/HERO%20IMAGES/Embedded%20Payment%20Solution.png) What are Embedded Payments and Are They Right for Your Software? What is Embedded Finance? Embedded payments are part of a bigger umbrella term called “embedded finance” that is defined as “the integration of financial services into non-financial websites, mobile apps, and business processes.” Simply put, software companies partner with banks and technology providers to extend a seamless experience to customers on their platform. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 11/9/2022 READ MORE](https://blog.payjunction.com/embedded-payments) [Prev](https://blog.payjunction.com/author/michelle-wagner/page/2) [1](https://blog.payjunction.com/author/michelle-wagner) [2](https://blog.payjunction.com/author/michelle-wagner/page/2) 3 [4](https://blog.payjunction.com/author/michelle-wagner/page/4) [Next](https://blog.payjunction.com/author/michelle-wagner/page/4) ### Download your **FREE** self-assessment about unethical billing. - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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