Journey Business Solutions Review

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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-plus rate 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 bankBen 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.

Journey Business Solutions Customer Reviews

Here's What Their Clients Say

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

We have only been able to find 1 negative review about Journey Business Solutions available online. The sole complaint was deleted by the user who left it on the company’s Yelp profile. As such, the basis of the complaint cannot be determined.

Journey Business Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Journey Business Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Journey Business Solutions Support Support Options

Journey Business Solutions provides dedicated customer support via a 24/7 dedicated phone line, live chat, and email address. The extent of these options is as comprehensive as what the best merchant accounts for customer service offer.

An “A” Overall

Given the company’s clean complaint record, unblemished legal history, and comprehensive support options, Journey Business Solutions receives an “A” rating in this category.

Journey Business Solutions Online Ratings

Here's How They Rate Online

No BBB Profile Available

The Better Business Bureau does not maintain a profile for Journey Business Solutions. However, it is worth noting that the BBB does maintain a profile for PayProTec, a company affiliated with Journey Business Solutions. PayProTec has been an accredited business of the Better Business Bureau since 2008 and currently has an “A+” rating. PayProTec’s page shows 8 complaints filed in the last 36 months. 4 complaints relate to the product or service issues,  3 are due to a billing or collection dispute, and 1 relates to a delivery problem. 2 of the 9 complaints were resolved to the merchant’s satisfaction, while the remaining 7 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

Rating Withheld in this Category

Though PayProTec does have an “A+” with the BBB, the lack of a dedicated profile for Journey Business Solutions means that this review will exclude this category from the company’s overall rating.

Journey Business Solutions Fees, Rates & Costs

A Closer Look at The Contract

Key Points

Swipe Rate 1.00% - 4.99% or Interchange
Keyed-in Rate 1.00% - 4.99% or Interchange
Virtual Terminal Rate Up to 2.90% + $0.30 or Interchange
Payment Gateway Fee $25 Per Month
Batch Fee $0.10
Monthly Minimum Fee Undisclosed
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Undisclosed Contract Terms

Though there is no readily accessible merchant agreement from Journey Business Solutions, the standard PayProTec contract offered through First Data lists a $95 setup fee, a $79 annual fee, a $25 monthly minimum fee, a $10 monthly basic service fee, and a tiered pricing schedule. Given the Journey Business Solutions website’s advertisements, the company may rely on this same merchant agreement while optimizing it to include interchange-plus and cash discount pricing.  However, that cannot be definitively concluded and is included in this review solely as a point of reference.

The company’s website also mentions that it offers Authorize.Net to retailers as an in-store payment processing solution. Authorize.Net charges 2.90% plus $0.30 as its standard transaction rate, however, Journey Business Solutions may alter that figure on the basis of being a reseller of the company’s, which is evident in the availability of its option for interchange-plus pricing. It is unclear how long the standard term length is for a contract with Journey Business Solutions.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Journey Business Solutions also dedicates a portion of its website that advertises its virtual terminal and payment gateway services, provided by Authorize.NetA typical merchant agreement through Authorize.Net includes a transaction rate of 2.90% plus $0.30, a gateway fee of $25 per month, and a batch fee of $0.15. However, as a reseller of its services, Journey Business Solutions reserves the right to alter these terms and conditions. Notably, the company’s interchange-plus pricing model extends to its e-commerce merchant accounts.

Additional POS Pricing

Merchants who seek more comprehensive payment processing solutions have the benefit of choosing between a wide range of POS options through Journey Business Solutions. The company includes NCR Silver, Paradise POS, HotSauce, Payanywhere, Revel Systems, and Linda POS are as options for this service. However, additional rates and fees strictly associated with those platforms may also apply to merchants. Those rates and fees will vary upon with POS provider they choose.

Equipment Lease Complaints

In the event that Journey Business Solutions simply resells a standard PayProTec merchant agreement, it is worth mentioning that we have found 1 merchant complaint that names Northern Leasing Systems as PayProTec’s equipment lease provider, but the company’s response to this complaint indicated that a company named Mazuma (which may be affiliated with the Oregon-based PayProtTc) actually established this account. It is unclear whether PayProTec of Indiana has an equipment leasing partnership with Northern Leasing. Regardless, merchants are encouraged to purchase equipment for a fair market rate whenever possible rather than lease it. Overall, the company’s contract terms are close to industry averages, and we have therefore scored them as such.

A “B” Overall

Though interchange-plus pricing is the most transparent offered in the industry, the fact that Journey Business Solutions does not disclose its standard merchant agreement makes it impossible to determine the cost of fees associated with its services. As such, the company receives a “B” in this category.


Journey Business Solutions Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Journey Business Solutions Sales Tactics

The Journey Business Solutions website reflects that the company employs independent resellers. In fact, according to its website Journey Business Solutions employes over 250 trained sales partners. Despite such a large number of resellers, the company does not have any public complaints regarding its independent sales agents or in-house sales practices.

Multiple Pricing Plans

Journey Business Solutions does not advertise any misleading information about its rate or fee structure. While the company does not enumerate specific rates, it does convey that it provides merchants with the option between a cash discount program, tiered rates, or interchange-plus pricing.

Multiple POS Solutions

Another predominant advertisement throughout the Journey Business Solutions website is the several different POS solutions offered by the company. NCR Silver, Paradise POS, HotSauce, Payanywhere, Revel Systems, and Linda POS are listed as options the company offers. In addition to those platforms, the company also advertises that each of those POS platforms come with the option between cash discount, tiered, or interchange-plus pricing that the company offers merchants using standard credit card terminals.

An “A” Overall

The absence of complaints against Journey Business Solutions choice to not incorporate an independent reseller program and the absence of any complaints against its independent or in-house sales practice reflects well on the company. Perhaps most notably, the flexibility of the company’s rate structure incorporating transparent, interchange-plus pricing is especially auspicious. The combination of these factors merits that the company receives an “A” in this category.

Our Journey Business Solutions Review Summary

Our Final Thoughts

An Excellent Option, All Around

Journey Business Solutions offers services that merchants across all industries can benefit from. From cash discount programs to interchange-plus pricing models, the company offers flexible pricing and comprehensive options that can be tailored to the unique needs of a merchant. The lone exception may be services marketed to high risk merchants. However, merchants seeking e-commerce solutions, POS systems, and low processing fees facilitated by a cash discount program can stand to benefit from Journey Business Solutions merchant services. Furthermore, the company’s flexible pricing models which include interchange-plus rates are a facet of the company’s services which appeals to merchants of any size in any industry.

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