PayJunction Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

PayJunction Overall Rating

A+ Rating
Last Updated: June 26, 2014

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PayJunction Overview

PayJunction Logo

PayJunction Logo

Founded in 2000, PayJunction ( is a merchant account provider based in Santa Barbara, California, that specializes in providing credit card processing services through a proprietary virtual terminal, e-commerce payment gateway, and mobile processing solution.

Dubbed “The Trinity System,” it allows merchants to collect credit card payments in a variety of ways using a single, integrated solution. Merchants can use Trinity to accept face-to-face payments through a virtual terminal (with optional USB Card Reader), online with a hosted shopping cart (or through third-party carts using PayJunction’s gateway), using any phone by typing the information into an automated system, or using a smartphone app and attached card reader. The Trinity System also includes the ability to generate sales reports as well as search transaction history.

Additionally, PayJunction has a PCI-compliant, token-based system that allows merchants to re-charge or refund cards automatically without needing to re-type or re-swipe the card. This token system also includes a nice automatic recurring billing feature for merchants with subscription or membership-based businesses. All of Trinity’s features are included in the system, so merchants can change or add features as needed without having to contact PayJunction or pay additional fees.

PayJunction used to be partnered with Card Payment Solutions for providing its credit card processing services; however, the company recently became a direct processor sponsored by First National Bank of Omaha, NE.

PayJunction Sales & Marketing Tactics | A+

Key Points – Sales & Marketing 
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? Yes

PayJunction does not use any deceptive marketing or advertising tactics that are apparent to this reviewer. The company relies primarily on recruiting independent resellers to market and sell its services. Normally, this practice results in numerous merchant complaints due to unscrupulous agents; however, PayJunction seems to have tight controls over the sales/underwriting process as evidenced by a low amount of merchant complaints.

PayJunction Costs & Contract Terms | A+

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: None
PCI compliance fee: None
Equipment lease: Variable

An executive of the company informed us that pricing of PayJunction’s services can vary based on a merchant’s business type and processing volume. The Trinity System application itself can be licensed for a one-time payment of $449 or ongoing monthly payments of $29.95, but these fees may be negotiable as well. Additionally, Trinity’s payment gateway and virtual terminal can be used with processors other than PayJunction in a similar fashion to that of’s services. PayJunction also offers a month-to-month service agreement with no cancellation fee or PCI compliance fees, which is ideal for most businesses.

For a full breakdown of PayJunction’s swipe rates and how they compare to other processors, see this page.

PayJunction Complaints & Service | A

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

PayJunction has no merchant complaints in the usual online forums; however, there are a handful of complaints in the comment section of this review. The complaints appear to be isolated incidents based either in a technical issue or merchant confusion. PayJunction representatives have been active in responding to these comments with a professional tone. At the time of this update, we see no complaints that indicate widespread issues or reason for alarm. PayJunction appears to have a well functioning customer support and dispute resolution process.

PayJunction BBB Report | A+

Key Points – BBB Report
Product/service: 1
Billing/collection: 0
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

As of the update of this review, the Better Business Bureau (BBB) is showing PayJunction as accredited and awarding the company an “A+” rating. The BBB is reporting two complaints filed in the last 36 months, with one regarding a product/service issue and one related to advertising or sales. All complaints have been resolved to the merchant’s satisfaction. In light of the company’s complaint total and resolution rate, we agree with the BBB’s rating in this case.

Bottom Line

Overall, PayJunction scores very well in our update of this review. The company’s “Trinity System” is one of the best web-based credit card processing systems that this reviewer has seen. PayJunction has very few complaints for its time in business and offers month-to-month contracts, no cancellation fees, and no PCI Compliance fees. As always, merchants are encouraged to fully read and understand their merchant account agreement before signing with any merchant services company. Learn more by visiting the PayJunction website.

Leave your review of PayJunction in the comment section below:

PayJunction Review

Rated 4.875 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-07-10 10:33:51

UPDATED: June 26, 2014 – There are only a few negative PayJunction reviews online and none of them describe the company as a scam or ripoff… PayJunction ( is a merchant account provider based in Santa Barbara, CA that specializes in providing credit card processing services… Learn more in this PayJunction review.

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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. PTK

    So far, I’ve had a great experience with PayJunction. They were very helpful getting our account set up. I was able to speak with a knowledgeable person at every step of the process, including getting help with their API. Their testing environment is very useful, and allows you to try out various scenarios before going live. Our online store will go live Q4 2014, and I’ll report back after that.

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  2. Evelyn Lara

    Payjunction is the BEST company anyone could have to Process Thousands of Dollars a day for their company…I have been with Payjunction for over 4 years now and I have been completely satisfied with their Rates & Customer service over all in all their different Departments…I have spoke to a lot of their diff employees in several diff departments and everyone is very helpful & respectful even when im frustrated about a chargeback that is not their fault it happened and they try their best to be patient and give me all the correct information they can that will help me understand how the process works to solve the issue and get the money back into my acct asap…Their product & Technology is TOP NOTCH And no need to play the rate game with them cause I guarantee you will not find a better rate or customer service in this day and time I have been self employeed for over 30yrs and have done business with several Merchant Companies and none have been this great as Payjunction and trust me you will not find a better company elsewhere…They have always found a way to save me money when I call in for a rate review and I do appreciate everything they have done to help with saving me more money to put into my pocket to help feed my family better!!!!!!! I guess all the people who leave negative reviews are really not intouch with the Payjunction here that im with cause I can promise you one thing they do have good business ethics cause if they didn’t I would not be with them for over 4 years now….Just to let you know a few of the very nice employees they have I have spoke to over the phone that are awesome with their customers are
    1st Kathy Byrd outside rep who helped set my acct up she is the nicest lady and helpful…

    Anthony in Risk management Dept I have spoke to lots of times in the past 4yrs he has always been awesome!!!

    Alene hope I spelled her name right lol helped me recently on 6-14-13 with my rate review she ROCKS she helped save me lots of $$$$ im very happy about that!!

    Jeremy in customer serv really a sweet guy has been very respectful when I was frustrated he put up with me lots of times poor guy still was so nice to an old lady complaining about something that could be fixed so easy lol

    Michael Gomez in Customer care was awesome such a nice guy!!!!!!!

    Sam was so polite and knowledgeable to inform me how some things work in the Technology of the processing a really nice guy to talk with!!!!

    Heidi was awesome AND A REALLY NICE LADY helping me when I had a customer claim a charge back on over 10k it was so frustrating and everyone helped including her get that money back into my acct asap…..she ROCKS!!!!

    Gina Valdivia in 2012 helped me a time or two was such a nice person…

    I want to Thank everyone who works there for all their hard work to make it such a great experience to do business with Payjunction these 4yrs…Cause it takes a team to help make the company successful keep up all the good work im not going anywhere im happy and I LOVE TO DO BUSINESS WITH PAYJUNCTION!!!!!!!!!

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    1. Phillip Parker

      Hi Evelyn,

      In order to authenticate your testimonial, please reply to this comment with your business name and location. Thanks!

      Did you find this review helpful? Yes   No

  3. Tricia Tequida

    I have read some of these reviews and they must be talking about a different company than the one I use. I have been with payjunction for only a few months. My service has been excellent customer support outstanding. I call tech support they take the call after 2 rings and I get knowledgable & helpful answers to all of my questions. And the techs speak english and are from the USA.
    I have been with other providers before ( Paypal , Square and Heartland) none have been as good, someone said they arent getting their money in a timely fashion, I find that hard to believe unless that have not set up their account to auto-batch every night. I get my funds in 1-2 days EVERY time.
    I guess only the people who have problems leave comments. My experience has been excellent and I recommend Payjunction to any merchant who wants the flexibility of taking cards on the go( with their phone) or on-line on their website or in the office on the computer.

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