PayJunction Blog

Real solutions to streamline your business.

Featured Resource: Assess Your
Merchant Statements

Why You Should Ditch Your Credit Card Processing Authorization Form

If you’ve been in business for long (or have been a patron at an old-school establishment), you’re likely all too familiar with the dreaded credit card processing authorization form. We say “dreaded” because these forms pose a number of issues for business owners that range from cumbersome to dangerous.
Christina Lavingia 11/1/2018 READ MORE
Why Tokenization Is Better Than Point to Point Encryption

Whether you’re a developer seeking an integrated payment solution or a business owner searching for a credit card processing partner, the security of cardholder data should be at the top of your checklist. When processing and storing credit card data via a terminal, the payment processing security standard can vary.
Ursula Librizzi 10/29/2018 READ MORE
How Retailers Can Reduce Risk and Ease PCI DSS Compliance

The retail industry is one of the most targeted industries for cyberattacks and data breaches. In fact, research shows that retail suffers more data breaches than the financial services, insurance and hospitality industries. Cybercriminals and hackers target retailers because they know they can easily get their hands on consumers’ personally identifiable information (PII), especially payment card data.
Tim Critchley 10/9/2018 READ MORE
What Are AVS and CVV?

When a customer visits your business and pays with a credit card, it’s fairly easy to confirm the legitimacy of the purchase. A diligent cashier could ask to see photo ID to confirm that the person in front of her is, in fact, the cardholder. The name and face should match.
Christina Lavingia 8/28/2018 READ MORE
How to Process Credit Card Payments After Signature Rule Change

In late 2017 and early 2018, the card brands revealed a major change to their long-held signature requirements for credit card transactions. MasterCard, Discover and Amex announced they would no longer require signatures for magstripe and EMV transactions beginning in April 2018. Visa announced that signatures would still be required in the event of a chargeback dispute for magstripe transactions, but would be optional for EMV.
Christina Lavingia 5/17/2018 READ MORE
Experiencing TLS Issues? Here's Why

Right now, if you’re using the Secure Sockets Layer (SSL) or Transport Layer Security (TLS) 1.0 protocols, you’re at risk for a data breach. A number of vulnerabilities have been found in this early encryption protocol, causing the card brands to require a security upgrade in order for businesses to meet the Payment Card Industry Data Security Standards (PCI DSS) moving forward.
Christina Lavingia 3/27/2018 READ MORE