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Journey Business Solutions Review

Name: Journey Business Solutions
Item: Journey Business Solutions
Rating: 4.67
Author: Phillip Parker

November 22, 2019

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Journey Business Solutions

Rating

4.67/5

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A Focus on POS Solutions and a Cash Discount Program

Journey Business Solutions is a merchant account provider based in Fort Worth, Texas that serves over 1,000 merchants and processing over $100 million. The company appears to be a DBA of PayProTec, as it features links to the affiliated company's website. PayProTec also hosts a portion of its website dedicated to Journey Business Solutions. While PayProTec relies on First Data for its processing solutions, Journey Business Solutions advertises that it specializes in offering merchants a cash discount program as well as multiple POS platforms. In addition to those options, Journey Business Solutions also advertises its payroll services and merchant cash advance loans. Though the company predominantly advertises its cash discount program, Journey Business Solutions offers merchants multiple pricing plans. In addition to pricing determined by its cash discount program, merchants can also select either a conventional tiered pricing plan or an interchange-plusrate structure. According to the company's website, options between those 3 pricing plans are available for their standard merchant accounts as well as those which rely on POS systems or virtual terminals designed to be an e-commerce solution. Journey Business Solutions advertises Authorize.Net as its online payment gateway provider as well as an option for retail merchants in-store payment processing services.

Location and Ownership

Journey Business Solutions is headquartered at 9500 Ray White Rd. Ste. 209 Fort Worth, TX while also maintaining offices throughout Texas in Beaumont, San Antonio, Houston, and a Rio Grande Valley regional office. The company relies on Wells Fargo Bank, N.A., Walnut Creek, CA as a registered ISO of that acquiring bank. Ben Brown is listed as the company's CEO.

Journey Business Solutions Review Table of Contents

Costs & Contract: Journey Business Solutions offers merchants both cash discount, interchange-plus, and tiered pricing models. The company utilizes Authorize.Net as its payment gateway for e-commerce merchants.
Complaints & Service: Journey Business Solutions has received fewer than 10 public complaints.
BBB Rating: The Better Business Bureau does not maintain a profile for Journey Business Solutions at this time.
Sales & Marketing: Journey Business Solutions does not employ independent resellers and has not received any complaints about its in-house sales practices.
Rates & Fees: How Merchants Got The Best Rates With Journey Business Solutions.

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About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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