PayJunction

PayJunction

Payment processing for mid-large scale businesses

4.8/5 (95 reviews)

PayJunction Overview

PayJunction is a payment gateway and merchant service which provides mid to large scale enterprises with the tools to process any type of payment in store or online. Features such as smart payment processing, paperless receipts, electronic signature capture, account management, and more allow businesses to accept payments from a variety of sources including swipe cards, chip cards, e-checks, phones, Apple pay, and more.

Businesses and their customers can benefit from a fully digital payment processing experience with PayJunction’s electronic signature capture and digital receipt features. Using the integrated PayJunction payment terminal hardware, users can collect paperless signatures either in-store at the point of sale, or remotely for card-not-present transactions, and signatures are saved to the PayJunction software for secure storage and to enhance anti-fraud measures. Digital receipts can be generated automatically based on data from the POS terminal and sent to customers via email to eliminate the need for paper receipts.

All transactions are stored within the PayJunction platform so that users have access to every client’s transaction history, and the search functionality facilitates the discovery of archived customer data. The back-end system also allows users to manage their smart terminal, process checks, key credit cards, recharge customer accounts, and manage batches, and reports can be viewed to gain insight into business performance and sales statistics.

Pricing

Starting from
N/A
Pricing options
Free Trial
Subscription
Value for money

Devices

Business size

S
M
L

Markets

United States

Supported Languages

English

PayJunction Reviews

Overall rating
4.8/5
99% positive reviews
73
Excellent
21
Very good
1
Average
0
Poor
0
Terrible

Great Credit Card Processing, Especially for a Business with Multiple Locations

Used Daily for 1-5 months
Reviewed on 2018/09/06
Review Source: Capterra

So far, so good. It provides much better back end access for running returns or adjustments for clients. It allows me to remotely see what my employees are doing as everyone has their own login. Setting up recurring payments or running future transactions on a card (securely) on file is a breeze. The client always gets an emailed receipt, so it's easy to prevent fraudulent charges by employees and charge-backs from customers. The smart terminal is easy to use and helps save a ton of paper by sending e-receipts.

Pros

It's all a virtual terminal, so I can access everything from wherever I am. Having three locations, it's imperative I have one login to check on statements, transactions, etc. With our previous processor I had eight different logins for this. With PayJunction it's all in one place. It also enables me to run a transaction for any location from whichever office I'm in. I don't need direct access to the physical terminal to run a payment. I can even run a payment in person for someone for a different location than I'm currently at to help keep my accounting correct.

Handling remote transactions is amazing with PayJunction. For any remote transaction the client gets an email requesting a signature for the payment, so there's no need for authorization forms to protect us - everything gets signed! All signatures are stored digitally as well, whether as a remote transaction or in person on the PayJunction smart terminal, so there's no need to keep a giant collection of paperwork for credit card transactions. It's all stored digitally and easy to search through/run reports.

Setting up a payment page on our website as a hosted checkout was easy as well. It gives our clients an easy way to pay if we're not in the office and they know their balance due. Everything about PayJunction has made our credit card processing easier and more streamlined.

Cons

Customer support. There's no support on weekends!

They lost Shopify integration and do not have a mobile card reader yet, so I have to use separate companies for those two things.

Response from PayJunction

Hey, thank you for this review! We're glad that our system has improved your day-to-day payment processes!

Our support team has extended its hours over the last year to offer 10 extra hours of support every week. They're now available Monday-Friday from 6 a.m. to 5 p.m. PT. Our team is dedicated to supporting your needs, and we do provide extended, emergency support during select holidays and weekends.

Shopify, unfortunately, ended its partnership with us. We apologize for any inconvenience this decision caused. Lastly, our mobile app is still in development and we would never want to promote a product that wasn't 100% ready. We will hopefully have this out to you in 2019 with the functionality you've come to expect from PayJunction's products and services.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Amanda D.

Very straight-forward software. Easy to navigate and use even for first-time users.

Used Daily for 6-12 months
Reviewed on 2018/02/09
Review Source: Capterra

Lower credit card processing fees.

Pros

Very easy to use with minimal training. Interface looks clean, simple, and organized. Also like how the payment methods actually look like the physical item (e-check looks like an actual paper check, Visa card has the Visa logo on it, etc.) which makes distinguishing between multiple payment options very simple.

Cons

No easy way to sort/view customers by the company name instead of the cardholder name. Wish VERY MUCH that there was an option to customize the customer list so we could add a column to view the cardholder name AND company name, and then also sort the columns.

Also want to see the company name in the data fields when viewing the Recurring Accounts list. I have to cross-reference this EVERY time I have to verify which of our customers are on auto-pay as we don't refer to them based on cardholder name, but by the name of their company. Example: Joe at Smith Masonry calls and asks to update the card we have on file for their recurring payment, but the current card we have isn't under Joe's name and he doesn't know offhand which name it IS under. I have to export the full Recurring Accounts list to an Excel file in order to see the company name each account is associated with, JUST so I can tell Joe that the old card was under his assistant Jenna's name. Then I have to cancel the recurring payment under Jenna's customer account name, create a whole NEW customer account since the new cardholder is now Joe, and set up the recurring payment once more under Joe's name. Not even done yet! Because when creating new recurring payments, entering the company name isn't even an available field yet! You have to save it first, go back to the Recurring Accounts list, reopen it, hit Edit, and THEN type in the company name. TOO MANY STEPS for something so simple.

Response from PayJunction

Hi Amanda,

Thank you for sharing your feedback. We have two workarounds to share with you.

1) To view the companies in the customer list, you simply need to export the list. Here's some information about that: https://support.payjunction.com/hc/en-us/articles/214407668-How-do-I-export-my-contacts-
2) The field names that appear in the recurring accounts are
based on the columns set in the 'Recent' section. You'll want to edit the columns to have "Company" as one of them. You can do this by navigating on the top right corner of the Recent page. There, you'll find an "Edit Columns" button.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

5.0/10
Gabriel G.

PayJunction a win for us!

Used Daily for 1+ year
Reviewed on 2018/09/25
Review Source: Capterra

Overall I really like the service and we will drop our other processors once we are finished with our remodel and have a single cashier. I recommend them to everyone because while it isn't perfect, the issues we have with other processors are far greater and the fact that we can call to an american, english-speaking agent in Santa Barbara and get answers on the spot is HUGE. And the entire team is fantastic. I haven't had one person at PJ to complain about.

Pros

PayJunction has been a super convenient and helpful solution with instantaneous access to customer profiles and capture data. Integration with WooCommerce and the ability to take the system with us to trade shows is a huge plus.

Cons

WooCommerce integration and ability to replace Square is not 100%, but they are working on it. A telephone-based or offline processing option could be nice here where we are at. We have sketchy internet service at times.

Response from PayJunction

Hi Gabriel, thank you for your review on Capterra! We, unfortunately, are no longer supporting our WooCommerce integration. When it comes offline transactions, however, there is an option! We offer phone charge for merchants that are in areas that do not have great internet service. You just need to enable it on your user account.

You can read more here:
https://support.payjunction.com/hc/en-us/articles/210469378-How-do-I-activate-my-Phone-Charge-account-"

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Laura M.

Signing up for Payjunction was so easy and our representative was very helpful.

Used Daily for 2+ years
Reviewed on 2018/01/23
Review Source: Capterra

quick transactions, easy to use

Pros

Payjunction is very user friendly. Simply enter your information for the client along with the amount and you are done. I love that we can void transactions or edit transactions. Payjunction chip reader is so quick our clients are continually commenting about not having to wait! It is much quicker than our previous software. I like the internet connection which I believe helps with the speed of our transactions.

Cons

The only thing I like least is that when the power is out or internet is down we are unable to operate,,BUT...that's with any credit card processing.

Response from PayJunction

Hi Laura,

We're glad to hear that your customers are delighted by the Smart Terminal!

During power outages we offer phone charge, which allows you to call a number and process a transaction when
this occurs. You can learn more about phone charge here: https://support.payjunction.com/hc/en-us/articles/210469378-How-do-I-activate-my-Phone-Charge-account-

Additionally, our mobile app, which is in beta, will be usable in lieu of phone charge.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Kelsey G.

Great customer service with only 1 drawback

Used Daily for 2+ years
Reviewed on 2018/01/16
Review Source: Capterra

Pros

Ease of use, the website is very user friendly and detailed. Every new employee we had picked up on the process and directions very quickly

Cons

Inability to make PIN or debit purchases; runs transactions as credit only which results in higher costs for the company and customers are confused by it

Response from PayJunction

Hi Kelsey,

In the future, we will support the ability to process PIN-based debit transactions via the Smart Terminal. PIN-based debit allows businesses to process transactions for a flat fee, rather than an Interchange percentage rate. Please note, the vast majority of debit cards are regulated and the Interchange percentage rate to process those transactions is considerably less than the fee to process a credit card. Also, PIN entry is not required for debit cards unless the chip on the card requires a PIN entry. We do support PIN entry for EMV cards that require a PIN. In the future, we will see more banks require PIN entry for all EMV chip cards.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

9.0/10

PayJunction Pricing

Starting from
N/A
Pricing options
Free Trial
Subscription
Value for money

$0.00 monthly fee. Fees are calculated as:

Cost + 0.75% for credit cards and 0.75% for checks.

PayJunction Features

  • API
  • Electronic Payments
  • Third Party Integration

  • Access Control
  • Activity Dashboard
  • Automatic Notifications
  • Content Management
  • Custom Forms
  • Customizable Branding
  • Customizable Templates
  • Data Import/Export
  • Discount Management
  • Drag & Drop Interface
  • Product Catalog
  • Reporting & Statistics
  • SSL Security
  • Search Functionality
  • Social Media Integration
  • eCommerce Integration
  • eCommerce Management

Additional information for PayJunction

Key features of PayJunction

  • ACH check transactions
  • ACH payment processing
  • API
  • Batch processing
  • Check approval processing
  • Contact database
  • Credit card processing
  • Customer history
  • Customizable reporting
  • Data filtering
  • Data visualization
  • Debit card support
  • Electronic payments
  • Electronic signature capture
  • Email integration
  • Fraud detection
  • HIPAA compliance
  • In-person payments
  • Mobile payments
  • Multi-location
  • Multiple licenses
  • Multiple merchant numbers
  • Online payments
  • PCI DSS compliance
  • POS integration
  • POS terminals
  • POS transactions
  • Performance reports
  • Receipt management
  • Receipt printing
  • Recurring tasks
  • Sales / order reporting
  • Sales reporting
  • Status tracking
  • Third party integration
  • Transaction history
  • Transaction monitoring
  • Visual analytics
  • Wireless POS

Benefits

  • Accept payments from various sources including all major credit cards, chip and swipe cards, checks, NFC-ready mobile phones, Apple watches, and more.

  • Collect customer signatures when carrying out transactions either in store at the point of sale or remotely for online payments using the electronic signature capture tool. Customers can sign using the PayJunction terminal for in-person sales or a mobile device for remote sales.

  • Send customers digital receipts rather than printed paper receipts in order to reduce paper wastage and keep a log of every transaction. Digital receipts can be emailed automatically to the customer after the sale has been made.

  • Access historical data and information on past purchases within the searchable database of transactions. The database logs and archives all transactions with a full transaction history for each customer. Users can also set up recurring payments from client profiles.

  • Gain insight into business performance with PayJunction’s advanced reporting tools which provide visual analytics and charts to summarize metrics such as sales transactions, processing times, average transaction cost, and more.

  • PayJunction FAQs

    Below are some frequently asked questions for PayJunction.

    Q. What type of pricing plans does PayJunction offer?

    PayJunction offers the following pricing plans:

    Pricing model: Subscription

    Free Trial: Not Available

    $0.00 monthly fee. Fees are calculated as:

    Cost + 0.75% for credit cards and 0.75% for checks.

    Q. What are the main features of PayJunction?

    PayJunction offers the following features:

    • ACH check transactions
    • ACH payment processing
    • API
    • Batch processing
    • Check approval processing
    • Contact database
    • Credit card processing
    • Customer history
    • Customizable reporting
    • Data filtering
    • Data visualization
    • Debit card support
    • Electronic payments
    • Electronic signature capture
    • Email integration
    • Fraud detection
    • HIPAA compliance
    • In-person payments
    • Mobile payments
    • Multi-location
    • Multiple licenses
    • Multiple merchant numbers
    • Online payments
    • PCI DSS compliance
    • POS integration
    • POS terminals
    • POS transactions
    • Performance reports
    • Receipt management
    • Receipt printing
    • Recurring tasks
    • Sales / order reporting
    • Sales reporting
    • Status tracking
    • Third party integration
    • Transaction history
    • Transaction monitoring
    • Visual analytics
    • Wireless POS

    Q. Who are the typical users of PayJunction?

    PayJunction has the following typical customers:

    Large Enterprises, Mid Size Business

    Q. What languages does PayJunction support?

    PayJunction supports the following languages:

    English

    Q. What type of pricing plans does PayJunction offer?

    PayJunction has the following pricing plans:

    Subscription

    Q. Does PayJunction support mobile devices?

    We do not have any information about what devices PayJunction supports

    Q. What other apps does PayJunction integrate with?

    PayJunction integrates with the following applications:

    3dcart, AmeriCommerce, EROnline Online Registration, HQ Rental Software, Magento, Shopify, Sycamore Education

    Q. What level of support does PayJunction offer?

    PayJunction offers the following support options:

    Knowledge Base, Online Support, Phone Support