--- title: PayJunction Blog | Merchant Account description: Merchant Account | Your go-to for payment processing news, resources and merchant success stories. The PayJunction Blog has everything you need to grow your business in one place. --- [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) # PayJunction Blog Real solutions to streamline your business. Featured Resource: Assess Your Merchant Statements DOWNLOAD NOW Show All ACH Animal Hospitals API Auto Dealership Auto Repair Auto Shop Business Management Business Tips Cards on File Case Study Chargebacks COVID-19 Credit Card Processing Dentistry Developer Resources E-Commerce Electronic Receipt EMV Enterprise Business Industry News Integrated Payments Legal Services Liability Shift Medical Practices Merchant Account NFC No-code Payments Integration® Paperless PayJunction Culture PJ University Questions and Answers Rates Remote Payments Remote Signature Security Smart Terminal Surcharge Survey Transparency Unethical Billing Veterinary Virtual Terminal - ## [![What is a Payment Gateway? Definition, Benefits, Features & More](https://blog.payjunction.com/hubfs/BLOG/HERO%20IMAGES/What%20is%20a%20Payment%20Gateway.svg) What is a Payment Gateway? Definition, Benefits, Features & More Accepting payments has become increasingly complex due in part to the rapid growth of online and mobile experiences, the popularity of digital wallets and an increase in recurring or subscription services. Powering all the interaction points throughout a transaction’s lifecycle requires an expanding array of technologies and networks to securely connect point-of-sale (POS) systems, websites, payment processors, bank accounts and card brands. A crucial part of the equation is the Payment Gateway. You may have casually heard the term and are wondering “What is a Payment Gateway?” or “How is it different from a Payment Processor?” This article answers those questions and takes a deeper dive into important features and benefits to help you decide what type of payment gateway is best for your business. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 1/31/2023 READ MORE](https://blog.payjunction.com/payment-gateway) - ## [![Omnichannel Payments Streamline In-store, Online, and Invoice Payments](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/omnichannel-payments.svg) Omnichannel Payments Streamline In-store, Online, and Invoice Payments What are Omnichannel Payments? Omnichannel payments is a big phrase for what essentially means the ability to use one solution platform to accept payments from customers any way they want to pay: in-person, online, in a shopping cart, via email or postal mail, over the phone, on a mobile device, or as part of recurring payment and subscription plans. ![Picture of Michelle Wagner](https://blog.payjunction.com/hs-fs/hubfs/Headshot%202018%201.jpg?width=48&height=48&name=Headshot%202018%201.jpg) Michelle Wagner 12/16/2021 READ MORE](https://blog.payjunction.com/omnichannel-payments) - ## [![eCommerce Merchant Account: 6 Key Tips for Choosing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/ecommerce-merchant-account.svg) eCommerce Merchant Account: 6 Key Tips for Choosing Ecommerce presents exciting opportunities for business owners: to better meet the needs of existing customers, to tap into new markets and to grow the value of individual transactions over brick-and-mortar purchases. ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 10/19/2021 READ MORE](https://blog.payjunction.com/ecommerce-merchant-account) - ## [![What Is an AVS Mismatch?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/avs-mismatch-provider-versus-bank.svg) 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. ![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 8/19/2021 READ MORE](https://blog.payjunction.com/avs-mismatch-provider-versus-bank) - ## [![Credit Card Payment Processing Fees Explained](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processing-explained.svg) Credit Card Payment Processing Fees Explained If you’re running a business, you could be leaving a lot of money on the table by not accepting credit card payments. According to Intuit, not accepting credit cards can cost the typical business $7,000 in annual sales. At the same time, it’s easy to understand how the various fees and requirements of accepting credit card payments can make the prospect seem daunting and complex – and most of all, potentially costly. ![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 11/14/2019 READ MORE](https://blog.payjunction.com/credit-card-processing-explained) - ## [![How to Eliminate Your Payment Gateway Bill](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.svg) How to Eliminate Your Payment Gateway Bill Setting up your credit card processing can certainly be confusing. There are numerous middlemen involved and, depending on whether you sell your goods through a brick-and-mortar store or online, you might have to familiarize yourself with different setups. ![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 9/26/2019 READ MORE](https://blog.payjunction.com/payment-gateway-bill-e-commerce) Prev 1 [2](https://blog.payjunction.com/topic/merchant-account/page/2) [3](https://blog.payjunction.com/topic/merchant-account/page/3) [4](https://blog.payjunction.com/topic/merchant-account/page/4) [5](https://blog.payjunction.com/topic/merchant-account/page/5) [Next](https://blog.payjunction.com/topic/merchant-account/page/2) ### Download your **FREE** self-assessment about unethical billing. - ###### 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. 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