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How to Store Credit Card Info With PayJunction

How to Store Credit Card Info With PayJunction
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Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to add customers and their payment methods to your account.


This feature is great for businesses that need to keep customers and their credit cards on file. Instead of having a file cabinet full of card info — which is vulnerable to theft and takes up extra space — you can securely store your customer’s info and credit cards in our system, making them easy to access and recharge at any time. Here’s how it works.

After logging in, click “Customers” from the menu on the left. This loads a page displaying all of your customers. Clicking on a customer’s name will show their details, including contact info and stored payment methods.

If you would like to add a new customer, click “New Customer” in the top right corner. A modal will pop up, asking you to enter their name and additional details. While their name is required, the other fields are optional. Once you have entered all their info, click “Create Customer” and their details page will load.

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To add a payment method, click the plus icon on the right side of the page. A modal will pop up with an option to add a new credit card or ACH account. To add a card, enter their card number, expiration date and address, then click "Add Payment Method." To add an ACH account, click the ACH tab, then enter their routing and account numbers, account type, ACH type and billing address. Now, click “Add Payment Method.”

If you want to recharge a customer, locate them in the list, select which payment method you would like to recharge and click the “Charge” button. This will take you to a process page with all your customer’s payment and contact info already filled out. Just enter the amount you would like to charge and click “Process.” When the approval modal loads, click “Complete.”

Additional Benefits of Cards on File

By storing customer cards on file, you essentially create a digital address book for all of your customers. You can search the system by the customer’s name or transaction details to eliminate the manual work of locating a paper receipt in the event of a chargeback. That’s right, all transaction details, including the customer’s digital signature, are stored in the system. An electronic signature is captured for in-person payments via the Smart Terminal and via email for remote transactions, protecting you in the event of a chargeback on all fronts.

All cardholder information is tokenized, so no one using the computer can access the information. This helps to reduce your PCI scope by implementing the best fraud-prevention technology available.

The best part? All this functionality is enabled automatically. Simply obtain payment information for an initial transaction and search or bill from the system moving forward.

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Christina Lavingia

Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease.

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