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ACH Rejects and Processing Explained

ACH stands for Automated Clearing House, a network managed by NACHA. The network enables the electronic transfer of funds from one bank to another by directly debiting a consumer or business checking or savings account. It is commonly used for payroll, bills and invoices, and tax payments. ACH transaction fees are lower than those of credit and debit cards, so it is a popular cost-effective payment type, especially for higher ticket purchases.
Ursula Librizzi 8/24/2021 READ MORE
What Is an AVS Mismatch?

Declined transactions are stressful. No cardholder likes being in that position, and it’s a tense situation for business owners who lack answers to rectify the issue.
Christina Lavingia 8/19/2021 READ MORE
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.
Christina Lavingia 8/17/2021 READ MORE
A Payments Facelift for Montecito Plastic Surgery

Understandably, any business is most concerned with providing outstanding service. When it comes to managing the business — and the logistics that come with that — easy and effective solutions help business owners focus on what matters most. This is critical for all medical and health care services, where the patient is the first priority.
Christina Lavingia 8/12/2021 READ MORE
What Is Level 3 Processing and How It Optimizes Transaction Costs

Many large corporations and government agencies provide their employees with commercial credit cards to make purchases or pay invoices, which allows buyers to better track spending across their organization.
PayJunction Team 7/29/2021 READ MORE
Three Types of EMV Non-Compliance Fees to Avoid

EMV or “chip” cards have become the US industry standard for credit and debit transactions made in-person at a business. There are now more than 1 billion EMV cards in circulation in the US, and in 2020, 73% of card-present transactions involved an EMV card being read by an EMV-capable terminal, up from just over half two years earlier. As a result, in-person fraud rates for counterfeit cards have plunged. According to a May 2019 report from Visa, merchants that accepted EMV chip-enabled cards saw a 76% drop in card-present fraudulent fraud.
Ursula Librizzi 7/27/2021 READ MORE