---
title: Shift4Shop eCommerce Blog | Christina Lavingia
description: Christina Lavingia is the content marketing manager at PayJunction, an all-in-one merchant account provider and payment gateway. PayJunction is an integrated partner with 3dcart, offering interchange-plus pricing, EMV-ready Smart Terminals, tokenized cards on file, remote signature capture, ACH and NFC payment acceptance, and more.
---
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# Christina Lavingia
Christina Lavingia is the content marketing manager at PayJunction, an all-in-one merchant account provider and payment gateway. PayJunction is an integrated partner with 3dcart, offering interchange-plus pricing, EMV-ready Smart Terminals, tokenized cards on file, remote signature capture, ACH and NFC payment acceptance, and more.
Find me on:
### Recent Posts
[Digital Payments](https://blog.shift4shop.com/topic/digital-payments) | 3 min read
## [What is an Interchange-Plus Pricing Merchant Account?](https://blog.shift4shop.com/interchange-plus-pricing-explained)
By [Christina Lavingia](https://blog.shift4shop.com/author/christina-lavingia) [October 12, 2018](https://blog.shift4shop.com/interchange-plus-pricing-explained) [2 Comments](https://blog.shift4shop.com/interchange-plus-pricing-explained#comments-listing)
[](https://blog.shift4shop.com/interchange-plus-pricing-explained)
[**](https://blog.shift4shop.com/interchange-plus-pricing-explained)
**Do you know which credit card pricing plan you’re on?** This may seem like a basic question, but there’s a lot that goes into [credit card payment processing](https://www.3dcart.com/ecommerce-payment-gateways.html). If you’re scratching your head, try thinking back to your initial merchant account setup.
If you were in a rush to get up and running (and who can blame you? The [costs of starting even an online store](https://blog.shift4shop.com/the-cost-of-building-an-online-store) are high), you may have partnered with a payment facilitator. These providers offer one pricing model — **flat pricing**. Just as the name\[...\]
[Continue Reading...](https://blog.shift4shop.com/interchange-plus-pricing-explained)
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[Digital Payments](https://blog.shift4shop.com/topic/digital-payments) | 3 min read
## [3 Innovative Payment Features for Your Online Store](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store)
By [Christina Lavingia](https://blog.shift4shop.com/author/christina-lavingia) [May 30, 2018](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store) [2 Comments](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store#comments-listing)
[](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store)
[**](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store)
When it comes to processing payments, staying up to date on available technologies is crucial to protecting your business and your customers.
However simple it may appear on the surface, payment processing is a technical business largely focused on reducing fraud and staying ahead of the next cybersecurity threat. Apart from protecting your business, staying current also helps it run smoothly and deliver a delightful customer experience.
Luckily for you, there are some **new technologies** that\[...\]
[Continue Reading...](https://blog.shift4shop.com/3-innovative-payment-features-for-your-online-store)
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[Digital Payments](https://blog.shift4shop.com/topic/digital-payments) | 5 min read
## [5 Factors to Consider When Choosing a Payment Provider](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider)
By [Christina Lavingia](https://blog.shift4shop.com/author/christina-lavingia) [October 11, 2017](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider) [1 Comment](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider#comments-listing)
[](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider)
[**](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider)
If you want to accept credit and debit card payments for your business, you’ll need a merchant account. A merchant account is essentially a line of credit that enables the processing of transactions and the deposit of funds into your business’s bank account.
[Continue Reading...](https://blog.shift4shop.com/5-factors-to-consider-when-choosing-a-payment-provider)
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