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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.
Before we dive in, here’s a short summary of what we’ll cover:
- PayJunction’s various payment processing services.
- PayJunction offers comprehensive processing options including virtual terminals, shopping carts, and mobile payments.
- Payjunction has received few complaints and even some positive reviews online.
PayJunction Payment Gateway
Once dubbed “The Trinity System,” PayJunction’s single, integrated solution allows clients to collect credit card payments in a variety of ways. Merchants can use PayJunction to accept face-to-face payments through a virtual terminal (with an optional USB Card Reader), online with a hosted shopping cart (or through third-party carts using PayJunction’s gateway), and using any phone by typing the information into an automated system or using a smartphone app and attached card reader. PayJunction’s service also includes the ability to generate sales reports as well as search transaction history.
Ideal for Subscription-Based Businesses
Additionally, PayJunction has a PCI-compliant, token-based system that allows businesses 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 businesses with subscription or membership-based businesses. All features are included in the system, so businesses can change or add features as needed without having to contact PayJunction or pay additional fees. PayJunction also offers an EMV/NFC compatible smart terminal that can be included with each merchant account for free.
For businesses on the go, PayJunction offers a mobile payment solution. This enables merchants to accept payments directly through their smartphones or tablets using a specialized app.
PayJunction provides a recurring billing feature that automates payments for subscriptions or memberships. The system allows for customizable billing cycles and can send automatic reminders to customers.
PayJunction’s smart terminals are designed for in-store payment acceptance. They are EMV-compliant and support contactless payments. The terminals also have a built-in printer for issuing customer receipts.
Payment Gateway Integration
The company offers a payment gateway that can integrate with various eCommerce platforms and shopping carts. This allows for seamless online payment processing, complete with fraud prevention features.
Security and Compliance
PayJunction places a strong emphasis on security, offering services that are PCI Level 1 compliant. They provide tokenization and encryption technologies to safeguard customer data.
PayJunction Location & Ownership
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 of Wells Fargo Bank, Concord, CA, and is headquartered at 1903 State St Santa Barbara, California 93101. The company’s president is Randy Modos.
PayJunction Pros and Cons
- Few Complaints
- Excellent Virtual Terminal
- Comprehensive Offerings
Table of Contents
- Costs & Contract: Offers a month-to-month contract with interchange-plus pricing and no…
- Complaints & Service: Has received fewer than…
- BBB Rating: The company has been accredited by…
- Sales & Marketing: Hires independent sales agents but has not received any complaints about its…
PayJunction Customer Complaints & Reviews
Here's What Users Think
Total Online Complaints
Live Customer Support
Most Common Complaint
Low Complaint Volume
There are no negative PayJunction reviews in the usual online forums; however, there are a handful of negative PayJunction reviews in the comment section of this review. The complaints appear to be isolated incidents based either on 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. If you have your own PayJunction review to make, please do so in the comments below.
We have not found any outstanding class-action lawsuits or FTC complaints filed against PayJunction. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
PayJunction Customer Support Options
We will assume for now that PayJunction has a functional customer support and dispute resolution process. The company has a dedicated support website that features a knowledge base, support phone number, and ticketing system.
PayJunction Customer Service Numbers
- (800) 601-0230 – Toll-Free General Customer Service
- (805) 563-1520 – Local Office
- (805) 426-0404 – Alternative Number
- (800) 771-3821 – Fax
Other Support Options
- Support form
- Customer service email address at [email protected]
These contact options are close to what we expect from top-rated payment processors for great customer service.
PayJunction BBB Rating and Report
Our Better Business Bureau Profile Assessment
No BBB Complaints
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.
What Merchants Say
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.
An “A” Performance
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 Fees and Rates
A Closer Look at the Contract
Monthly & Annual Fees
Interchange + (Variable)
PayJunction offers month-to-month plans for new and existing businesses. According to its pricing table, the company offers interchange-plus pricing with a markup of 0.80% for swiped and keyed-in debit transactions. Swiped credit transactions cost interchange plus 2.26%. Keyed-in credit card transactions cost interchange plus 2.55%. A rate of 0.75% also is applied for ACH check processing. No early termination fees or PCI compliance fees are assessed by the company. If a business is satisfied with their rates but interested in PayJunction’s proprietary software, PayJunction will also simply match the business’ existing rates. A $35 monthly fee also applies to businesses processing less than $10,000 each month.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, PayJunction also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. According to the company’s website, online payments are charged interchange plus 1.80$ plus $0.10. However, the company does not charge other fees, including gateway fees, technical support fees, or batch fees.
More Value Than Competitors
PayJunction is considered to be an ideal PayPal alternative for the value it offers and the ease with which it allows clients to accept online payments, especially for high-volume business types.
PayJunction Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Uses Independent Resellers
Discloses All Important Terms
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.
Full Pricing Disclosure
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.