PayJunction Phoenix

PayJunction Phoenix PayJunction powers mid- to large-scale businesses with smart payment processing and electronic signature capturing.

PayJunction was founded in 2000 with a vision of making payment processing easier, more secure, and more effective. Every day since then, we have focused on finding new ways to make this a reality for our clients. In an industry where start-ups come and go all the time, we've taken the long-term approach, building everything from the ground up and enjoying each step along the way. It is our commitment to this vision that has seen PayJunction grow from an inspired idea into what it is today: a company that processes over $2 billion annually.

Credit card fraud is bad for everyone but the fraudster. Businesses absorbed 38 percent of U.S. fraud losses in 2014, to...
04/13/2017
What Is a Chargeback?

Credit card fraud is bad for everyone but the fraudster. Businesses absorbed 38 percent of U.S. fraud losses in 2014, totaling $2.95 billion. If a business can’t properly fight the fraud, it takes the loss.

Check out the article for ways to combat fraud in your business.

A chargeback occurs when a customer disputes a purchase. Here’s how you can win a chargeback as a business owner.

MasterCard has added a new $15 annual fee to each business location that accepts their cards. Click the link for details...
04/12/2017
MasterCard Merchant Location Fee Details

MasterCard has added a new $15 annual fee to each business location that accepts their cards. Click the link for details.

MasterCard is charging a $15 fee per business location. Here’s what you can expect on your upcoming merchant statements.

Are you or someone you know using PayPal to accept payments? Starting March 29th things are going to be a lot more expen...
02/14/2017
PayPal Price Hikes: PayPal's new fees explained

Are you or someone you know using PayPal to accept payments? Starting March 29th things are going to be a lot more expensive. #paperless

One of the world's largest payment processors, PayPal, has decided to hike up the fees for a raft of different transactions and in the process leave consumers and retailers out of pocket.

The Batch Report - 5 Benefits of Signature Capture #paperless
02/13/2017
The Batch Report - 5 Benefits of Signature Capture

The Batch Report - 5 Benefits of Signature Capture #paperless

Collecting a signature for a payment is pretty straight forward, right? You print a receipt, the customer signs it, you file the signed receipt and you’re done. Sure this works, but there are so many downsides to collecting signatures on paper receipts, including chargebacks, costs and damage to the...

The Batch Report - The Latest in Payments
02/06/2017
The Batch Report - The Latest in Payments

The Batch Report - The Latest in Payments

 offers business owners unprecedented functionality. It generates beautiful financial reports, stores transaction information securely, streamlines 

The Batch Report - Do you Process Refunds? #paperless
01/30/2017
The Batch Report - Do you Process Refunds?

The Batch Report - Do you Process Refunds? #paperless

When you issue a refund, your customer gets back what she paid, plus sales tax, and your business is reimbursed a portion of the fees paid to your Merchant Account Provider. It’s standard procedure for your provider to only reimburse Interchange and not its markup. However, if you’re on a 

The Batch Report - 4 Ways to Improve Your Controller's Day #paperless
01/23/2017
The Batch Report - 4 Ways to Improve Your Controller's Day

The Batch Report - 4 Ways to Improve Your Controller's Day #paperless

We understand the hefty responsibilities your controller faces. As the ‘village leader’ she is tasked with maintaining financial order at the dealership, which ranges from producing periodic financial reports to overseeing the maintenance of accounting records.

The Batch Report - Lining up Batches with Deposits #paperless
01/09/2017
The Batch Report - Lining up Batches with Deposits

The Batch Report - Lining up Batches with Deposits #paperless

You have a batch report that shows a total of $5,000 that should be deposited into your bank account. But when you check your bank deposit, you only see $4,800. With old terminals, lining up your business’s credit card sales to your bank account deposits is a nightmare.

The Batch Report - Credit Card Processing Explained #paperless
12/12/2016
The Batch Report - Credit Card Processing Explained

The Batch Report - Credit Card Processing Explained #paperless

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.

The Batch Report - What are Pending Transactions? #Paperless
12/05/2016
The Batch Report - What are Pending Transactions?

The Batch Report - What are Pending Transactions? #Paperless

If you’ve ever logged in to view your online credit card statement, you’ve likely noticed two separate totals that — when combined — are subtracted from your available credit. These totals are labeled as your “current balance” and “pending transactions.”

PayJunction
11/15/2016
PayJunction

PayJunction

A quick solution isn't always the best option — Discover the issues your business could face from improper underwriting.

The Batch Report - The Latest in Payments #paperless
11/14/2016
The Batch Report - The Latest in Payments

The Batch Report - The Latest in Payments #paperless

“Virtual” and “terminal”: two fancy words that describe something that’s rather simple. A Virtual Terminal offers all the functionality of an old-school processing terminal but records information digitally, as opposed to on physical paper.

The Batch Report - Paper Receipts and the Environment #paperless
11/07/2016
The Batch Report - Paper Receipts and the Environment

The Batch Report - Paper Receipts and the Environment #paperless

We encounter this question more often than we realize, whether it’s verbalized by a cashier or stated on a payment screen. Think of the morning cup of coffee you grab regularly, the deli you frequent at lunch, the trip to the gas station on the way home from work (and dare we say it, the snack or pa...

The Batch Report - 5 Reasons to Accept Mobile Payments #paperless
10/24/2016
The Batch Report - 5 Reasons to Accept Mobile Payments

The Batch Report - 5 Reasons to Accept Mobile Payments #paperless

Now that high-speed mobile connectivity permeates our society, millennial digital natives (and many older "digital immigrants") are seeking ways to leverage its benefits. That's leading them to gradually embrace newer, more seamless and secure modes of payment: from EMV credit cards and e-checks to ...

EMV 1 year later: Navigating through the process
10/21/2016
EMV 1 year later: Navigating through the process

EMV 1 year later: Navigating through the process

The U.S. EMV liability shift will "celebrate" its one-year anniversary on Oct. 1, yet roughly 60 percent of U.S. merchants still cannot accept EMV.

Report: Most SMBs still not EMV ready - Ecommerce - BizReport
10/20/2016
Report: Most SMBs still not EMV ready - Ecommerce - BizReport

Report: Most SMBs still not EMV ready - Ecommerce - BizReport

It's been a year since the US switch-over to chip-based credit cards, and yet according to new data more than half of small businesses have still not switched their businesses over so that they can handle chip cards.

The Batch Report - The Latest in Payments #paperless
10/17/2016
The Batch Report - The Latest in Payments

The Batch Report - The Latest in Payments #paperless

We get this question a lot from businesses and consumers alike a full year after the EMV liability shift. With this change, the major card brands (Visa, MasterCard, Discover and Amex) lifted the responsibility for fraudulent transactions off their shoulders and onto businesses’ for improperly swiped...

www.independent.com
10/11/2016
www.independent.com

www.independent.com

SANTA BARBARA, CA - September 26, 2016 - With extensive experience in financial services and payment processing, PayJunction is introducing a straightforward and honest thought leadership blog to educate business owners on the ever-changing payment landscape and set the standard for fair industry pr...

The Batch Report - The Benefit of Remote Signatures #paperless
10/10/2016
The Batch Report - The Benefits of Remote Signatures

The Batch Report - The Benefit of Remote Signatures #paperless

If your business takes phone and online orders, but doesn’t collect customers' signatures for these transactions, you’re leaving your business vulnerable to chargebacks. If there is a dispute, you can’t prove the customer verified the transaction, so you lose by default. Sure, you might be able to c...

The Batch Report - Unethical Billing Part 3 #paperless
10/03/2016
The Batch Report - Unethical Billing Part 3

The Batch Report - Unethical Billing Part 3 #paperless

So far, we’ve discussed how many Merchant Account Providers exhibit unethical practices by charging unnecessary or hidden fees. Some providers take it a step further by failing to mention best practices or not offering updated processing terminals to ensure you are getting the best processing rates…

The Batch Report - Unethical Billing Part 2 #paperless
09/26/2016
The Batch Report - Unethical Billing Part 2

The Batch Report - Unethical Billing Part 2 #paperless

Some Merchant Account Providers take advantage of their customers and charge unnecessary fees. In part two of this series, we will identify six unwarranted fees your provider may be charging you.  

Why EMV is making fraud soar
09/22/2016
Why EMV is making fraud soar

Why EMV is making fraud soar

EMV deployment struggles are keeping in-store fraud rates high while pushing online fraud much higher. Worst of both worlds for the moment.

The Batch Report - Unethical Billing: Part 1
09/19/2016
The Batch Report - Unethical Billing: Part 1

The Batch Report - Unethical Billing: Part 1

Unfortunately, many merchant account providers practice unethical billing and lie about the fees they charge you. Billing statements are intentionally complex to keep customers from finding hidden fees. This series of posts will cover different ways providers practice unethical billing. To kick thin...

Is your payment technology up to date?
09/15/2016
Startup

Is your payment technology up to date?

Pay Junction start up video Animated explainer ( startup video ) in flat design for Pay Junction smart terminal advertising Animation created by Toondra animation…

Why EMV is making fraud soar
09/13/2016
Why EMV is making fraud soar

Why EMV is making fraud soar

EMV deployment struggles are keeping in-store fraud rates high while pushing online fraud much higher. Worst of both worlds for the moment.

3 Ways You're Susceptible to a New Type of Chargeback
09/12/2016
The Batch Report - 3 Ways You're Susceptible to a New Type of Chargeback

3 Ways You're Susceptible to a New Type of Chargeback

Previously, the only time businesses received chargebacks was when a customer was unhappy with a product or service. Most have never had a chargeback because it has always been understood that if you provide good service and quality products, your customers will be happy.

Why Would Anyone Delay Chip Card Adoption?
09/08/2016
Why Would Anyone Delay Chip Card Adoption?

Why Would Anyone Delay Chip Card Adoption?

As the payments industry progresses through the first stage (POS terminals) of the EMV liability shift and gets closer to the second stage (ATMs), a lingering question that can be asked is, why would any card issuer not want to get certified for EMV?

The Batch Report - The Latest in Payments #paperless
09/06/2016
The Batch Report - The Latest in Payments #105

The Batch Report - The Latest in Payments #paperless

Money is a worry at the forefront of every business owner's mind. “What are our expenses?” and “How can we save more money?” are constant thoughts. Yet, habitual practices tend to hold many business owners back from grabbing onto solutions that are within their reach. One big expense you may think y...

08/30/2016
PayJunction Phoenix

PayJunction Phoenix

Are you using the latest in payments technology? Take a look at the PayJunction Smart Terminal. #paperless

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Phoenix, AZ
85016

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