PayJunction is a payment gateway that provides merchants with customer, account, and location management solutions. Its features include ecommerce tools, recurring billing, sales reports, customization options, ACH payments, and a mobile app. Processing fees start at interchange + 0.75% and situational monthly fees, and it’s best for those who handle a high volume of transactions.
PayJunction Pros and Cons
Ease of use
Lacks customization options
Who PayJunction Is Best For
- Those who process a high volume of transactions across multiple locations can benefit from PayJunction’s volume-based pricing. The higher your monthly processing values are, the more you can save on additional fees. If you process an average of $25,000 per month, then you also qualify for a free terminal.
PayJunction’s pricing page states that its processing fee starts at interchange + 0.75% and that there are separate options for those who have existing businesses and those who are just getting started. Moreover, new businesses that process under $10,000 per month have to pay an extra $35 monthly fee.
Fees Per Transaction*
(Monthly processing volume
Starts at interchange + 0.75%
Free Terminal Program
*Fees vary depending on the transaction and card type, and there is a transaction/batch fee worth 7 cents.
PayJunction Alternatives 2020
The provider offers solutions for large-volume operations across multiple locations. Let’s take a look at some of PayJunction’s features below.
Multi-location and department management: These features enable you to manage all aspects of your multi-location business from one central location. PayJunction gives you access to receipt management, daily reconciliation, and receipt retrieval tools.
Recurring billing: You can set payment schedules and accept recurring payments for installments, memberships, and subscriptions. Furthermore, funds are directly deposited into your bank account.
Ecommerce: Utilize PayJunction’s Hosted Checkout or make use of a third-party shopping cart to sell products and accept payments from your website.
Cards on file and refunds: The provider automatically stores ACH, credit, and debit card information for future transactions. This also helps in seamlessly managing refunds and in obtaining customer authorization.
Sales reports: PayJunction gives you access to automated location, department, and terminal-specific insights. Reports contain data on deposits, user activity, and receipts among others.
Mobile app: You can key-in credit cards, email receipts, accept remote signatures, and utilize card-not-present chargeback protection while on-the-go.
Data security: Your customers’ card data is protected by tokenization, ensuring that only the payment processor can decode it. PayJunction’s security system is also audited annually and maintains PCI Level-1 security.
Summary of PayJunction Reviews
As of this article’s writing (May 27, 2020), there are very few up-to-date PayJunction reviews online. However, some users said that the software is easy to use but could be further improved with more customization options. If you are a past or current PayJunction customer, leave a review to help those who are deciding whether or not to use the software.
PayJunction Frequently Asked Questions (FAQs)
Which third-party applications does PayJunction integrate with?
The provider’s integrations include the following software: Ecwid, PrestaShop, 3dcart, Magento, ASecureCart, Halo POS, Springboard POS, ClinicPro, and Interspire.
Does PayJunction offer any user training?
Yes, it provides you with free training videos and access to its comprehensive knowledge base.
Does PayJunction offer any contactless options for in-person payments?
Yes, it offers a customer-facing ZeroTouch terminal that accepts Apple Pay, Android Pay, Samsung Pay, Google Wallet, contactless EMV cards, and more.
Our Top Payment Gateway Picks
If you aren’t sure if PayJunction is right for you, then this article on the best payment gateways is a review of our top choices. Our team looked at a variety of solutions and narrowed our recommendations down based on the fees, security, ease of use and set up, sales channel served, and features among others.