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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…

The Advantages (and Disadvantages) of Using a Credit Card Chip Reader

The Advantages (and Disadvantages) of Using a Credit Card Chip Reader

As credit card, or EMV, chips become more common, so too are the credit card terminals that accept them. According to Visa, 71%, or 511.1 million, of its U.S.-based credit and debit cards now have chips, a figure that represents more than a doubling of chip cards over a three-year period. Across the U.S., 3.1 million – roughly two thirds of – merchants are now EMV-enabled. Even so, credit card chip readers are not a legal requirement for merchants to accept EMV cards (with the exception of merchants who wish to accept contactless payment methods. See below)…

7 Critical Security Practices for E-Commerce Sites in 2019

7 Critical Security Practices for E-Commerce Sites in 2019

For most online shoppers today, the internet has become the go-to destination for everything from clothes to groceries. But while online retail has become commonplace, it remains an intricate technology operation that is vulnerable to attack. Cybercriminals often target e-commerce websites because they know how much sensitive information, including credit card numbers, flow through them on a daily basis. If you’re running an e-commerce store, it's pivotal to make security a top priority in all technology decisions. This article dives into seven specific best practices that you should follow in order to ensure that your customers and their data…

What Is Online Credit Card Processing?

What Is Online Credit Card Processing?

Online credit card processing refers to card-not-present payments that are completed on an e-commerce website via a Payment Gateway. The gateway is either provided by or integrated with a Merchant Service Provider. To be successful in online credit card processing, there are certain services and tools that are required, while others are nice to have. Learn about the providers involved, requirements and how you can simplify back-end e-commerce operations. Online Credit Card Processing Setup Before you can start online credit card processing, you need to set up the following: Website Hosting: The technology and services needed for your website to…

2 Hidden Truths [and 1 Myth] of The Payment Gateway Process

2 Hidden Truths [and 1 Myth] of The Payment Gateway Process

From the outside, it might seem that processing an e-commerce transaction only requires three things: A debit or credit card; The credit card issuing bank, which approves or declines the transaction, and later releases the funds; The Payment Processor, used by the business’s bank, which receives the funds after a transaction has cleared and deposits the money into the business’s account. However, there’s a crucial – but silent – party that is the key to all of the communications that result in a successful transaction: a Payment Gateway. A Payment Gateway acts as a middleman, transferring cardholder data to…