PayJunction

Payment processing for mid-large scale businesses

4,8 /5 (96 reviews) Write a Review!

PayJunction Overview

What is PayJunction?

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.

PayJunction Overview

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

Devices
Business size
S M L
Markets
United States
Supported Languages
English

Media

Manage transactions from credit or debit cards, e-checks, and the PayJunction smart terminal
View reports and analytics on business metrics such as average transaction amounts, totals by brand, and more
Search for customers within the database and view their entire transaction history and payment details
Send customers electronic receipts directly to their device via email
PayJunction screenshot: Manage transactions from credit or debit cards, e-checks, and the PayJunction smart terminal PayJunction screenshot: View reports and analytics on business metrics such as average transaction amounts, totals by brand, and more PayJunction screenshot: Search for customers within the database and view their entire transaction history and payment details PayJunction screenshot: Send customers electronic receipts directly to their device via email

PayJunction Reviews

PayJunction Reviews

Overall rating
4,8
/
5
Excellent
74

Very good
21

Average
1

Poor
0

Terrible
0

Value for Money
4,5
Features
4,6
Ease of Use
4,9
Customer Support
4,7
99% recommended this app
Daniel P.

Capture payment quickly


Verified Reviewer

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

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.


Deborah B.

Have been satisfied with service.


Gabriel G.

PayJunction a win for us!

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.


Laura M.

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

quick transactions, easy to use


Daniel P.
Industry: Transportation/Trucking/Railroad
Company size: 1 001-5 000 Employees

Capture payment quickly

Used Daily for 2+ years
Reviewed on 2019/04/30
Review Source: Capterra

Pros

It is great for the basics with collecting payment. Other software makes it difficult to refund, edit, or cancel transactions but PayJunction has always been simple to use for those functions

Cons

No Cons for me, we are using PayJunction along side another software product for encrypted mobile payments- PayJunction is always preferred because it is less steps and ultimately less time to collect payment.

Rating breakdown

Ease of Use

Likelihood to recommend: 10.0/10

Verified Reviewer
Industry: Retail
Company size: 2-10 Employees

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

Deborah B.

Have been satisfied with service.

Used Daily for 1-5 months
Reviewed on 2018/02/13
Review Source: Capterra

Pros

The smart terminal where they can sign electronically. The daily batch reports. When I have had to contact Pay Junction, the customer support very helpful.

Cons

Having to enter billing contact information. The daily limit per transaction set originally by Pay Junction didn't allow us to process some of our transaction until we notified Pay Junction and got approved.

Response from PayJunction

Hi Deborah,

We're glad you had your limits increased to accommodate your transactions. Please continue to utilize our support team should the need arise.

Additionally, information entered when processing a transaction
can be updated. For information on how to do this, read our support article: https://support.payjunction.com/hc/en-us/articles/213124777-How-Do-I-Enable-Invoice-Number-Tracking-

Rating breakdown

Value for Money
Ease of Use
Customer Support

Gabriel G.
Industry: Automotive
Company size: 2-10 Employees

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.
Industry: Medical Practice
Company size: 2-10 Employees

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

User recommendation
9,2/10
Based on 96 user ratings
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PayJunction Pricing

PayJunction Pricing

Starting from
N/A
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.

$0.00 monthly fee. Fees are calculated as:

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

Value for Money
4,5/5
Based on 96 user ratings
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PayJunction Features

PayJunction Features

API
Access Control
Activity Dashboard
Automatic Notifications
Content Management
Customizable Branding
Customizable Templates
Data Import/Export
Drag & Drop Interface
Electronic Payments
Order Management
Product Catalog
Reporting & Statistics
SEO Management
Search Functionality
Social Media Integration
Template Management
Third Party Integration
Website Management
eCommerce Management
Features
4,6/5
Based on 96 user ratings
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Categories

Additional information for PayJunction

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

    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, Koomi POS, Magento Commerce, Pixifi, Shopify, Sycamore School, ezyVet

    Q. What level of support does PayJunction offer?

    PayJunction offers the following support options:

    Phone Support, Online Support, Knowledge Base