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.
This review provides a detailed look at PayJunction, a credit card processing company recognized for its paperless payment solutions. We cover its features, services, pricing, contract terms, and customer feedback to show how the company performs in practice. The goal is to give you a clear understanding of what PayJunction offers and whether it is the right fit for your business’s payment processing needs.
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. Built by a team of developers, PayJunction is one of the best solutions for merchants with WordPress-hosted businesses.
In 2023, PayJunction partnered with Plaid to boost its fraud protection and ACH processing services.
PayJunction offers a single, integrated solution for collecting credit card payments in various ways. Merchants can accept face-to-face payments through a virtual terminal (with an optional USB card reader), process online payments via a hosted shopping cart or third-party carts using PayJunction’s gateway, and handle payments over the phone or through a smartphone app with an attached card reader. The service also includes sales reporting and transaction history search capabilities.
PayJunction’s PCI-compliant, token-based system enables automatic recharges or refunds without needing to re-enter card details. This system includes an automatic recurring billing feature, making it suitable for businesses with subscription or membership models. All features are included in the system, allowing businesses to add or change features as needed without additional fees. PayJunction also provides an EMV/NFC compatible smart terminal with each merchant account at no extra cost.
For businesses that need to process payments on the go, PayJunction offers a mobile payment solution that allows merchants to accept payments via smartphones or tablets using a specialized app.
PayJunction’s recurring billing feature automates payments for subscriptions or memberships. The system supports customizable billing cycles and can send automatic reminders to customers.
PayJunction provides smart terminals designed for in-store payment acceptance. These terminals are EMV-compliant, support contactless payments, and have built-in printers for issuing receipts.
PayJunction’s payment gateway integrates with various eCommerce platforms and shopping carts, facilitating seamless online payment processing with fraud prevention features.
PayJunction emphasizes security and is PCI Level 1 compliant. They use tokenization and encryption technologies to protect customer data.
There are no negative PayJunction reviews on common online forums. However, a few negative reviews can be found in the comment section of this review. These complaints seem isolated, related to technical issues, or merchant confusion. PayJunction representatives have responded professionally to these comments. As of now, there are no widespread issues or causes for concern. Share your PayJunction review in the comments below.
No class-action lawsuits or FTC complaints have been filed against PayJunction. Dissatisfied clients seeking resolution can consider reporting concerns to relevant supervisory organizations.
We assume that PayJunction has effective customer support and dispute resolution processes. The company offers a dedicated support website featuring a knowledge base, support phone number, and ticketing system.
| PaymentPop | 1 |
|---|---|
| BBB Rating | 4.78 |
| Trustpilot | 5 |
| Google Maps | 4.8 |
| Average Rating | 3.89 |
I also am a customer who used the online gateway and had several pending charges to my credit card when I only entered the transaction once. According to the merchant, my card was declined due to the address not matching but I checked and they match. Also the next day, I had a fraudulent charge on that same credit card when I never did before.
There are no positive reviews published about PayJunction on the PaymentPop website.
As of this update, the Better Business Bureau is showing PayJunction as accredited and is awarding the company an “A+” rating. The BBB is reporting 1 complaint filed in the last 36 months. The complaint was resolved to the dissatisfaction of the merchant or received no final response. PayJunction has a 4.78 out of 5 star rating based on 9 user reviews on the Better Business Bureau website.
PayJunction has also received 10 informal reviews on its BBB profile. All but one review is positive in tone. The most recent negative review describes issues with chargebacks:
This company cannot verify returning my money and is not willing to refund my money. This is fraud and is not due diligence and will be escalated.
In light of the company’s clean record with the BBB, we agree with the BBB’s rating in this case. Readers should be aware, however, that there are reasons to be skeptical of the BBB’s rating system in general.
PayJunction has a 5 out of 5 star rating based on 479 user reviews on Trustpilot.
Quick replies, straightforward answers :)
super great always fast to respond
PayJunction failed to inform the customer of fees prior to signing of contract even when asked during the phone meeting. Extremely difficult to get any email replies as there are so many people that handle so many different aspects and no one wants to take the lead. Even the National Sales Director
PayJunction has a 4.8 out of 5 star rating based on 32 user reviews on Google Maps.
I started my career as a rep for PayJunction 17 years ago and have not looked back. Fantastic company. I have been extremely happy with how the corporate is always available to help me. The staff has always been super friendly and is committed to great customer service. The sales directors are always available to help you with a sale. PayJunction are experts in this industry and do things the correct way.
Worst designed credit card machines known to man. Every business I have been to with there readers hates them. How about a little product testing first pay junction. Shop elsewhere
PayJunction presents month-to-month plans suitable for both new and established businesses. As detailed in its pricing table, the company adopts interchange-plus pricing. It charges a markup of 0.80% for both swiped and keyed-in debit transactions. Swiped credit transactions incur charges of interchange plus 2.26%, while keyed-in credit card transactions are priced at interchange plus 2.55%. Additionally, a rate of 0.75% is applied for ACH check processing. Importantly, PayJunction does not apply early termination fees or PCI compliance fees. For businesses content with their current rates but interested in PayJunction’s proprietary software, the company offers to match their existing rates. Businesses processing under $10,000 monthly incur a $35 monthly fee.
Alongside storefront payment processing, PayJunction emphasizes its virtual terminal and payment gateway services. The company’s website states that online payments attract charges of interchange plus 1.80% plus $0.10. However, it is notable that PayJunction does not impose additional fees like gateway fees, technical support fees, or batch fees.
PayJunction is acknowledged as a viable PayPal alternative, particularly for its value and the simplicity it offers to clients in accepting online payments, especially for businesses with high transaction volumes.
PayJunction does not use any deceptive marketing or advertising tactics that we have found. The company relies primarily on recruiting independent resellers to market and sell its services. Normally, this practice results in numerous client complaints due to unscrupulous agents; however, PayJunction seems to have tight controls over the sales/underwriting process as evidenced by a low amount of negative PayJunction reviews.
The PayJunction website fully discloses nearly all of its rates and fees, and we’ve found no evidence to suggest that these quotes are deceptively presented. However, if you are concerned that you have been misled about your pricing, you can double-check your monthly bill with a third-party statement audit.
Compare PayJunction to competitors that earned top marks.
Overall, PayJunction performs exceptionally well as a credit card processing provider. Its virtual terminal stands out as one of the most advanced web-based credit card processing systems we’ve encountered. The company has also maintained a remarkably low number of complaints given its time in business. PayJunction provides valuable features such as month-to-month contracts, no cancellation fees, and no PCI compliance fees, making it a flexible option for many businesses.
However, readers should always ensure they thoroughly read and comprehend their merchant account agreements before signing with any merchant services provider. This approach helps businesses make informed decisions that align with their financial and operational needs. For more information about PayJunction’s services and offerings, visit their website and explore how they can meet your processing requirements.
| President | Randy Modos |
|---|---|
| Headquarters | 1903 State St Santa Barbara, California 93101 |
| Toll-Free General Customer Service | (800) 601-0230 |
| Local Office | (805) 563-1520 |
| Alternative Number | (805) 426-0404 |
| Fax | (800) 771-3821 |
| Additional Support Channel | Online Contact Form |
| Website | https://www.payjunction.com/ |
