Founded in 2000, PayJunction (payjunction.com) 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 useful 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 now processes directly through TSYS. PayJunction is a registered ISO/MSP of First National Bank of Omaha, Nebraska, and the company’s president is Randy Modos.

Key Points

  • Sales & Marketing: PayJunction hires independent sales agents but has not received any complaints about its sales practices.
  • Costs & Contract: PayJunction offers a month-to-month contract with interchange-plus pricing and no early termination fees.
  • Complaints & Service: PayJunction has received fewer than 10 public complaints.
  • BBB Rating: PayJunction has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With PayJunction

PayJunction Products and Services

  • Online payment gateway
  • Virtual terminal with USB card reader
  • Recurring billing
  • Tokenization
  • Sales reports
  • Smartphone processing


  • Retail
  • Mobile
  • MOTO
  • E-commerce
  • Membership-based
  • B2B

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates 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. 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.

PayJunction Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms 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. For merchants processing over $10,000 per month, PayJunction offers a rate of interchange plus 0.75% with no other monthly or annual fees, which is a very competitive plan for the industry. Merchants processing less than $10,000 per month can secure custom rates with either a tiered plan or an interchange-plus pricing plan, but these merchants will be subject to a $35 monthly minimum fee. If a merchant is satisfied with their rates but interested in PayJunction’s proprietary software, PayJunction will also simply match the merchant’s existing rates. PayJunction offers all of its merchants 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.


Complaints & Service

Key Points - Complaints & Service

Total Online 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. We will assume for now that PayJunction has a functional customer support and dispute resolution process.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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 zero complaints filed in the last 36 months. PayJunction has also not received any informal reviews on its BBB profile, but it is important to note that these reviews would not be subject to verification by the BBB anyway. In light of the company’s clean record with the BBB, we agree with the BBB’s rating in this case.

PayJunction Logo

PayJunction Bottom Line

Overall, PayJunction scores very well in our update of this review. The company’s virtual terminal 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.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

Schedule a Consultation with Phillip

19 Reviews Leave Your Review Below

  1. I sold their processing for short time – poor experience and after upfront never got a residual from them for the 5 accounts I placed there – many emails – no help – poor poor experience for the rep so leads me to believe those client’s aren’t being taken care of well either. Sad because I loved their smart terminals….

  2. Excellent processor and employees. We have been using Pay Junction now for a little over 2 years and I can’t overemphasize just how good this processor is. When you call, you ALWAYS get to speak to a person. When there had been issue with our processing of a brand card we don’t really like, the leadership at Pay Junction went above and beyond in their efforts to quickly fix the issues. We have used a few other processors in the past, and I truly can say, Pay Junction is the BEST we have ever done business with. Monies in our bank accounts the next day, always and without fail. Employees who always go the extra mile to provide speedy service, answer questions, and or help in any questions we have. You simply can’t go wrong with these people, we have been totally pleased with all operations from Pay Junction. if you have tried others and been unhappy, Pay Junction will surly surprise you with their great rates and excellent customer service. I came here today to post a positive reply because of a recent issue we had. They elevated our issue all the way to the owner who personally fixed the issue the same day. Absolutely pleased with these people.

    1. Hi Chuck,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  3. 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.

    1. Just reporting back, as promised. PayJunction must be the best out there. They helped me through launch nicely. I had some questions about the API, and was able to speak with a software engineer who knew the nooks and crannies well. When there was a part of the API that could have been better, he acknowledged that right away, and then showed me how I could accomplish what I needed by other means.

  4. 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!!!!!!!!!

    1. Hi Evelyn,

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

  5. 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.

  6. there is now misunderstanding about this company they are scam artest we had our account setup with them and at the same time was a reseller and provided them with about 10 high paying leads and then they ripped my account out form under me and closed them all keeping my contacts i didnt think this was the case untill i started calling my customers and they had been calling them telling them i was no longer apart of the company. They costed me alot of money shutting down my credit card services for no reason other than to gain on there end and not have to pay out commissions. Please beg you do not use this company Mike above is a great guy oh hope he moves to another company as this one is going to fall apart.

    1. Official Response From PayJunction:
      The “anonymous” post above from “J” is most likely from a person who forged a check. We can confirm that we recently closed an account due to forgery. To be clear, PayJunction cancelled this account because the person forged a bank document; PayJunction is responsible for all risk associated with a merchant account if it is used to perpetrate fraud.

      The bank document was forged to look as if a signed letter from M. Williams from Chase Bank in McDonough Georgia was verifying a checking account. PayJunction has confirmed with the real M. Williams that she did not write this letter, and that the contents of it are incorrect. Upon closer inspection, one can physically see the digital alterations in the letter. With permission, PayJunction has a recorded call with M. Williams attesting to the fact the bank document has been forged.

      PayJunction has a zero tolerance policy for fraud; in addition, it is illegal. We are currently investigating taking legal action against the consumer regarding criminal charges for forgery and civil charges for liable.

      (The consumer’s State) – Georgia Code – Crimes and Offenses – Title 16, Section 16-9-1 (a) A person commits the offense of forgery in the first degree when with intent to defraud he knowingly makes, alters, or possesses any writing in a fictitious name or in such manner that the writing as made or altered purports to have been made by another person, at another time, with different provisions, or by authority of one who did not give such authority and utters or delivers such writing. (b) A person convicted of the offense of forgery in the first degree shall be punished by imprisonment for not less than one nor more than ten years.

      We realize anyone can post anything online today. We hope that reviewers understand that we take the security of our systems seriously, and therefore have a zero tolerance policy for fraud. Should you have any questions, please do not hesitate to contact me at (800) 601-0230.
      With kindest regards, Eric Wernicke, Co-Owner

  7. I called payjunction to inquire about their rates and pricing as I was referred to them by Effortlesse. After asking about three questions to a very rude “sales person” named Tom I think his name was, I realized that this was not the place to go. He kept dancing around my questions as if I was incompetent and kept requesting my current merchant provider statements. After he raised his voice at me and spoke to me with the WORST tone of voice I have ever heard, I slammed the phone down and quickly changed my mind about EVER doing business with these people or EFFORTLESSE!! I promise I will tell EVERY SINGLE BUSINESS PERSON I KNOW ABOUT THE HORRIBLE CUSTOMER SERVICE THESE PEOPLE JUST GAVE TO ME AND I HOPE YOU ALL WILL STAY AWAY FROM THEM COMPLETELY!!!!!

    1. Apologies, Mechell, if you did not have a good experience. Although I cannot speak down or ill of Tom as he is a Director and thus my superior, please understand our business model. Although certain matters are negotiable, we do not play the “Rate Game”, thus, the race to the bottom. We consider our product technology to be unique and superior, unlike most providers who are providing the EXACT identical service to each other-Terminal processing. Therefore our business model is to provide one set of standard figures for new businesses, but for established merchants, we start with a price match and look for areas to save you money. Understand, asking for a rep from a solid provider to quote you rates without verifying your volume is inviting them to lie to you, quoting the lowest rate blindly. To put another way, would you expect someone to quote you term life insurance without a physical or knowing your age or whether you smoke? Or a bank loan without financials? If I quote you a monthly fee and find out later you do $900 a month in volume, I’m stuck with that quote. We’d rather decline someone’s business than use unethical tactics to earn it. There is a reason for our reputation; we don’t advertise or pay for favorable treatment, and we’re not interested in Square-like “1000 signups per hour.” Each client is assigned TWO dedicated reps who know you by name. You’re considered clients, not accounts, so we are selective. Not every provider’s rate structure is the same. We, for example,don’t charge for PCI-simply processing with us eliminates the need for audits. On the other hand,we will sometimes charge a startup fee based on low volume or risk level of the business type or credit history. If you have an issue with any employee, you may take it up with our president, randy modos, who answers any e-mail personally. He often mans the sales phones. We have other national directors, including mine, Jamie, at extension 1404.

  8. I have the same exact same problem Rose. They have held $3000+ for over a week and I keep getting excuses. They say it is an error on thier end and they are trying to fix it. I have been told twice that the money would be there on two seperate days and it has never shown up. I asked them to wire the money since they have it and they say they can’t. I would not recommend this company to ANYONE. I may change my tune if they get this fixed and follow through but at the moment I am out $3000.00 and the time I have spent on the phone being lied too.

  9. I have a new payjunction account (opened about 10 days ago) & started having transactions placed on my website on 8/10 (Wednesday). I was told deposits take 2 days to receive.. which would be Friday. No deposit. I called (very nice customer service people btw), and they said “No worries.. you’ll receive it Monday”. Monday comes, no deposit! Has anyone else had this issue? I’ve been waiting on a call back all day.. they said they’ve contacted first national bank of Omaha to see what the problem is. This is a BIG problem to me! What was the outcome? Help?

    1. Hi Rose,

      This is likely happening for two possible reasons: #1 The account number or routing number for your checking account was incorrect on your merchant account application. Or #2, Saturday – Monday is considered one “business day” in the banking industry and deposits made during that time usually do not post to your account until Tuesday, which is considered the next business day. Also, some banks close their Friday business day in the early afternoon (often 3pm). This means that deposits made after the close of the Friday business day get counted on the Saturday – Monday business day and deposited on Tuesday.

  10. Pay junction has failed to respond to repeated efforts to:

    a. Change the name of my business despite repeated assurances that the necessary changes would be made.

    b. Process international charges. They remain unprocessed, at considerable cost to me.

    c. Follow up assurances made by their representatives over the phone with promised actions

    Instead, attempts to fix what I had hoped were easily remedied glitches have been met with threats of penalties should I seek more helpful merchant services. I remain hopeful that their service will improve, and will update this site should such improvement occur.

    1. Who is your reseller Carla and when did you get set up??? Sounds like there is some misunderstanding here and maybe you are talking to a merchant partner and not PayJunction direct?? Those issues are all super easily fixed on our end…

  11. Payjunction is a GREAT Company! I own a small transportation company and have been using Payjunction as our merchant company for over 4 years. We process thousands of dollars a day through them and have NEVER had any problems with Payjunction. Many other merchant companies have tried to get our business with great service and lower rate promises but NONE of them have ever been able to beat their rates or service.

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