PayJunction Blog

Real solutions to streamline your business.

Featured Resource: Assess Your
Merchant Statements

The Health Risk of BPA in Receipts

Bisphenol A (BPA) is an estrogen-mimicking chemical primarily used in the production of plastics, resins and consumer goods. Although the potential impact of this chemical was first studied by scientists in the 1930s, it wasn’t until the mid-2000s when a boom of research sparked concern across the globe.
Ursula Librizzi 4/18/2017 READ MORE
The Philosophy Behind PayJunction's Engineering Success

I’m beyond proud to be one of the three founders of PayJunction. We met at University of California, Santa Barbara in 1997 while studying Computer Science, became friends and set off on a journey to engineer this company. I manage a small, talented team of engineers. In truth, we embody a senior engineering culture. We have high expectations for our team. We work on systems that process billions of dollars, so the margin of error has to be near zero. This creates an exciting development environment where the right type of person flourishes. We live, eat, and breathe UI, UX, security, coding, testing and dev ops. Every piece of our process is an art that we strive to perfect.
William Skidmore 4/13/2017 READ MORE
What’s Better? Monthly vs. Daily Discount

When searching for a Merchant Account Provider, you’ll want to consider your billing cycle options. Sometimes it's personal preference, but more often providers ultimately decide the frequency of your billing cycle for you. It’s important to understand your options and the impact they may have on your business. For your convenience, we compare monthly vs. daily discount.
Ursula Librizzi 4/11/2017 READ MORE
What Is an API?

The adage, ‘Don’t reinvent the wheel’ is simple. If the work has already been done, don’t waste your time duplicating it. That very idea is the core reason why APIs are so successful today. Many software companies are very good at what they do, and offer APIs so other companies don’t have to replicate the same work.
Ursula Librizzi 4/6/2017 READ MORE
AVS Downgrades Increase Your Fees

Address Verification System (AVS) is a common fraud-prevention measure for card-not-present transactions. AVS checks that the purchaser is in fact the cardholder by requesting the address and ZIP code for the card and comparing it to the bank’s records. Presumably, a fraudster would not know this information and would be prevented from making an e-commerce or over-the-phone purchase.
Christina Lavingia 4/4/2017 READ MORE
Chip and Signature vs Chip and PIN

When the United States finally embraced EMV, the major card issuers favored chip and signature as the authorization method. However, as security measures to prevent credit card fraud advance, chip and PIN is the natural progression. Below, we discuss each verification method and best practices to prepare for what’s to come.
Ursula Librizzi 3/30/2017 READ MORE