--- title: Is Poor or Outdated Signature Capture Holding Your Business Back? description: Still using paper receipts for your credit card purchases? Here are three unexpected ways your business could be suffering from outdated signature capture. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/signature-capture-outdated.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers -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) # Is Poor or Outdated Signature Capture Holding Your Business Back? ![Is Poor or Outdated Signature Capture Holding Your Business Back?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/signature-capture-outdated.svg) [![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=48&height=48&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) Christina Lavingia](https://blog.payjunction.com/author/christina-lavingia) 10/17/2017 Do you groan when you see another [chargeback](https://blog.payjunction.com/chargeback-definition-chargeback-fraud/) roll in? Would you describe your signature capture system as “jerry-rigged,” “improvised” or “works well enough, I guess, most of the time”? Fixing outdated signature capture may have surprising power to improve your business’ security and even marketing opportunities. Read on to learn how to keep signature capture mistakes from holding you back. ## Increased Risk of Chargebacks A chargeback is a consumer protection option, allowing consumers to dispute a credit card charge. If the credit company investigates and finds the charge is invalid, the merchant has to refund a purchase that had previously cleared and often pay a chargeback fee, as well. Encounter chargebacks too often, and the cost of replacing stock and paying fees can get overwhelming. Chargebacks can happen due to fraud, either via card theft or a card user “digitally shoplifting” by claiming refunds on items they ordered online (but kept). Chargebacks can also happen with no ill intent. A customer who doesn’t recognize the charge or remember ordering an item may perform a [friendly chargeback](https://blog.payjunction.com/friendly-chargebacks/), although the effect on your business is the same. A 2016 MasterCard survey found that 60 percent of small businesses aren’t [protecting themselves against online fraud](http://www.businessinsider.com/mastercard-is-helping-small-businesses-prevent-online-fraud-2016-5), making it that much easier for chargebacks to eat into the bottom line. Signature capture makes all the difference because you can prove that the customer did indeed authorize the purchase. Storing receipts and other transaction details in [Virtual Terminals](https://blog.payjunction.com/virtual-terminals-everything-to-know/) protects valuable information against a hard drive crash. Friendly fraud accounts for up to [86 percent of chargebacks](https://chargebacks911.com/chargeback-stats-2017/), according to Global Risk Technologies, so keeping signatures on record can make a dramatic difference in reducing chargebacks. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## Lower Customer Satisfaction It may seem like a minor point at first, but printing out a receipt can add an inelegant note to the customer transaction (especially if the receipt in question is one of those paper pythons for a two-item purchase). Smeared ink, a dry pen, or a sputtering printer can convey sloppiness or carelessness, which is annoying when you work hard to present a seamless experience. If you switched over to an electronic application that doesn’t fit with the rest of your software, troubleshooting an app breakdown or having to revert to paper receipts slows down the transaction. Electronic signatures are expected to increase at a [compound annual growth rate of 31.5 percent](http://www.prnewswire.com/news-releases/global-digital-signature-market-expected-to-grow-at-315-cagr-during-2016---2022-ps-market-research-574102411.html) from 2016 to 2022. Maintaining up-to-date software is an important part of meeting customer expectations and staying technologically competitive. ## Missed Natural Email Marketing Opportunity What do digital receipts and your favorite card trick have in common? They can both serve as ice-breakers. At a party, ice-breakers get the conversation going (“How on earth did you know that was my card?”). At the register, it’s easier to get a customer’s email address so you can offer them a convenient digital receipt. From there, you have an opening to suggest that the occasional email with coupons or handy tips can continue to delight your customers. [Blue Corona](https://www.bluecorona.com/blog/29-small-business-digital-marketing-statistics) found that two out of three small business owners list [finding new customers](https://blog.payjunction.com/finding-new-customers-cost-effectively/) as a top concern. Outdated signature capture tools that don’t integrate well with the rest of your system (or no signature capture at all) don’t help you expand your customer base. You’re losing an obvious opportunity to connect with local, interested customers who have already dropped in to make their first purchase. Capturing signatures and emails in a secure format, and weaving in marketing in a natural way, helps you create a convenient transaction experience in the moment, while setting the stage for a future relationship. ## Take card-not-present transactions too? [![START CAPTURING REMOTE SIGNATURES](https://no-cache.hubspot.com/cta/default/635739/0ec87a14-1bfd-44c4-8bad-7a357b93d329.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/0ec87a14-1bfd-44c4-8bad-7a357b93d329) Are you set up for paperless transactions? Has reading this article uncovered new connections between signature capture, chargeback rate and marketing tactics? Tell us your thoughts below. [Electronic Receipt](https://blog.payjunction.com/topic/electronic-receipt) [Chargebacks](https://blog.payjunction.com/topic/chargebacks) --- ##### [![13 Productive Habits That Will Organize Your Work Life](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/productivity-habits-work-life.svg) 13 Productive Habits That Will Organize Your Work Life](https://blog.payjunction.com/productivity-habits-work-life) ##### [![Credit Card Processing Fees Small Businesses Should Be Aware Of](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processing-fees-small-business.svg) Credit Card Processing Fees Small Businesses Should Be Aware Of](https://blog.payjunction.com/credit-card-processing-fees-small-business) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![How to Set Up Credit Card Processing for Small Business](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processing-small-business.svg) How to Set Up Credit Card Processing for Small Business You run a small business and are ready to take the next step: accepting credit cards. Congratulations! Whether this is your first business or a new venture you’re investing in, you might not be too familiar with credit card processing.](https://blog.payjunction.com/credit-card-processing-small-business) ## [![Does Your Brick-and-Mortar Business Need an Online Presence?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-presence-brick-mortar-store.svg) Does Your Brick-and-Mortar Business Need an Online Presence? Small businesses have limited time and resources and are often stretched thin in multiple departments. Business owners need to be sure that they’re investing in valuable strategies and not getting caught up with the latest fad. Concerns over cost and the true necessity of an online presence top the list of reasons why almost half of small businesses haven’t set up a website. Does a small operation really need to go digital?](https://blog.payjunction.com/online-presence-brick-mortar-store) ## [![How A Digital Chargeback Management System Can Streamline the Dispute Process](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/chargeback-management-system.svg) How A Digital Chargeback Management System Can Streamline the Dispute Process A Surge in Chargebacks The COVID-19 pandemic accelerated the shift to e-commerce as businesses enacted safe, remote interaction models including curbside servicing, order ahead, and buy online pickup in store. The inability for a business to see a customer in person and run a card-present transaction on an EMV device also means that there is a higher risk for fraud and resulting chargebacks. Some chargebacks—such as duplicate transactions and processing errors—are legitimate, while others are a result of fraud or a customer dispute.](https://blog.payjunction.com/chargeback-management-system) ## Meet a Payment System You’ll Love - ###### 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. Get Email Updates GO Thank you for subscribing! PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628). ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Christina Lavingia" }, "dateModified" : "2023-03-13", "datePublished" : "2017-10-17", "description" : "Still using paper receipts for your credit card purchases? Here are three unexpected ways your business could be suffering from outdated signature capture.", "headline" : "Is Poor or Outdated Signature Capture Holding Your Business Back?", "image" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/BLOG/FEATURED%20IMAGES/signature-capture-outdated.svg" }, "mainEntityOfPage" : "https://blog.payjunction.com/signature-capture-outdated", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" } } ```