--- title: PayJunction Blog | Rates (2) description: Rates | 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. (2) --- [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 Level 3 Processing and How It Optimizes Transaction Costs](https://blog.payjunction.com/hubfs/level-3-processing.svg) What Is Level 3 Processing and How It Optimizes Transaction Costs Many large corporations and government agencies provide their employees with commercial credit cards to make purchases or pay invoices, which allows buyers to better track spending across their organization. ![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 7/29/2021 READ MORE](https://blog.payjunction.com/level-3-credit-card-processing) - ## [![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) - ## [![The Biggest Credit Card Processing Pitfalls](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processing-pitfalls.svg) The Biggest Credit Card Processing Pitfalls We’re intimately aware of how credit card processing can be a nightmare. ![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 10/29/2019 READ MORE](https://blog.payjunction.com/credit-card-processing-pitfalls) - ## [![Why We Care About Being an Ethical Credit Card Processing Company](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/ethical-credit-card-processing-why.svg) Why We Care About Being an Ethical Credit Card Processing Company Read enough about PayJunction’s company culture, and it’s clear we prioritize long-term relationships over short-term profit. That’s not just a nice-sounding statement, it’s what we practice every day with our customers. ![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 10/10/2019 READ MORE](https://blog.payjunction.com/ethical-credit-card-processing-why) - ## [![Debit Card Processing: 3 Reasons to Add It Your Business](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/debit-card-processing.svg) Debit Card Processing: 3 Reasons to Add It Your Business According to CreditCards.com, more Americans than ever before are using credit cards as their sole payment method. But if you think the surging popularity of credit cards means that your business can afford to bypass offering customers other payment options, you should think again. There are some compelling reasons you should not overlook adding debit card processing to your business, too. ![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 3/28/2019 READ MORE](https://blog.payjunction.com/debit-card-processing) - ## [![Merchant Account Fees: The Most Common Defined](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/merchant-account-fees.svg) Merchant Account Fees: The Most Common Defined Whether you’re setting up a merchant account or reviewing your merchant statements, there’s a lot of terminology around merchant account fees. Below, we list and define the most common terms you’ll encounter. ![Picture of Ursula Librizzi](https://blog.payjunction.com/hs-fs/hubfs/Ursula_Librizzi.jpg?width=48&height=48&name=Ursula_Librizzi.jpg) Ursula Librizzi 3/8/2019 READ MORE](https://blog.payjunction.com/merchant-account-fees) [Prev](https://blog.payjunction.com/topic/rates) [1](https://blog.payjunction.com/topic/rates) 2 [3](https://blog.payjunction.com/topic/rates/page/3) [4](https://blog.payjunction.com/topic/rates/page/4) [5](https://blog.payjunction.com/topic/rates/page/5) [Next](https://blog.payjunction.com/topic/rates/page/3) ### 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. 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" : "Blog", "description" : "Rates | 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. (2)", "name" : "PayJunction Blog listing page", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" }, "url" : "https://blog.payjunction.com/topic/rates/page/2" } ```