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106 Reviews
- Industry: Automotive
- Company size: 2–10 Employees
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 8.0 /10
Love the way this system works. We use the computer to activate the terminal for customer use.
Reviewed on 17/01/2018
Pros
We can access all previous transactions on the our computer terminal and it offers various ways to search for previous transactions(customer, amount, date, etc.). I was unsure about the paperless concept but now love it. The customer service dept has always been very helpful and easy to access.
Cons
The signature pad has on occasion acted up and signed for the customer while they are standing there.
Not sure about the pricing as we have other CC companies calling all the time to try to get us to switch and their quoted rates are often less in the cost plus scenario than our rate at Pay Junction. However, it is very rare that one can compare exactly because of multiple hidden fees and Pay Junction has very minimal extra fees so far.
Response from PayJunction
Hi Karen,
You're exactly right! There are over 19 unethical billing tactics we've identified in other merchant statements. We never charge these fees, which result in overall savings for our customers.
When the signature pad isn't working, you can call us at 800-601-0230 and our support team will recalibrate your signature pad.
- Industry: Automotive
- Company size: 51–200 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 9.0 /10
Great customer service with only 1 drawback
Reviewed on 16/01/2018
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.
- Industry: Computer Software
- Company size: 11–50 Employees
- Used for 1+ year
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 6.0 /10
PayJunction Review from an Application Dev
Reviewed on 26/09/2018
Ultimately I really enjoyed using PayJunction but lack of certain functionalities caused it to just be obsolete for what we needed it for. It had fantastic customer service which is why we switched to it in the first place but ultimately switched away from it when we got fed up with losing data because there was no http callback.
Pros
The best part of the PayJunction Software is it's ease of use and wonderful technical support, I am a developer and when giving them a call I got immediately transferred to another developer so there was no language barrier or trying to deal with a rep that doesn't understand the technicalities of an issue.
Cons
The thing I don't like the most about the PayJunction software is that when I was using it, there was no way to have their server perform a post callback, meaning I had to send application data back to our system for tracking via, the clients browser in a custom receipt page. This was incredibly annoying and ultimately was the reason we switched away from the system because if the user closed the browser before the data was processed then it was lost.
Response from PayJunction
Hi Sean,
Thank you for your review of PayJunction. To address your concerns, we hope to deploy an improved solution for Hosted Payments that utilizes webhooks for responses (rather than browser-based response). We can update you when we have an ETA for this update.
- Industry: Hospital & Health Care
- Company size: 11–50 Employees
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 8.0 /10
Overall, a good experience
Reviewed on 16/01/2018
This software allows us to not do duplicate data entry, which save us time and avoids potential errors. The technology and Smart Terminal hardware has proved to be user friendly and more professional looking than a traditional terminal.
Pros
-Easy to switch
-Support throughout the setup phase was great
-Smart Terminals have a very professional look and feel. They elevate the client experience and give you the option for electronic receipts, saving paper
-Ability to electronically take checks via ACH
Cons
-Very seldom, but sometimes Smart Terminals freeze up having to start the entire process over after rebooting the terminal
-In our experience, we got set up with Credit, Debit, and Checks. After a month, our merchant statement was quite expensive compared to our previous merchant. Digitally processing our Checks was the culprit as the rate was pretty high. We now only do credit and debit and are happy with the cost.
Response from PayJunction
Hi Alex,
We're glad that the Smart Terminal has elevated your client experience as well as helped you avoid duplicate entry. Please call technical support at 800-601-0230 should your terminal issues continue. We'd love to see if we can help you find a long-term solution for that issue.
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 7.0 /10
Good.
Reviewed on 09/02/2018
Pros
It's easy to use and look up past transactions.
Cons
There are cheaper rates for credit card transactions. We have received many companies to offer same business at a cheaper price. Would be interested if someone could contact us and match or beat the competitor's prices!
Response from PayJunction
Hi William,
We'll happily match rates with any competitors that provide a quote. If you receive a quote from a competitor, please forward the quote to us. We will crunch the numbers and will match rates if possible. In many cases, we actually find that the competitor will charge more with hidden fees and persuade you to switch with a lower per-transaction rate. If this is the case, we will provide a report that breaks down the quote and compares their pricing with your PayJunction account.
- Industry: Entertainment
- Company size: 2–10 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Rental Service Manager Review
Reviewed on 28/09/2018
The most beneficial aspect of this system is the ability to make changes to the pricing if needed the same day. The few times I have called for assistance they are very efficient and prompt with solving my issue.
Pros
I'm able to force a transaction through when the address does not match.
Cons
When a customer chooses "no" to use the same credit card for the remaining balance but then decide the day of the function they want to use the same card I'm not able to process that card again for the transaction.
Response from PayJunction
Hi Debbie, thank you for your review. We'd like to know more about the issue you're experiencing to better assist you. Please call our support department at 800-601-0230 and we'll try to resolve the issue you've noted.
- Industry: Retail
- Company size: Self Employed
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Best Merchant Services Co that I have ever used.
Reviewed on 22/01/2018
Super fast processing and great reporting.
Pros
Transactions are extremely fast, reporting is exceptional as is the customer service. I'm so glad I switched years ago, never looked back!
Cons
Sometimes the card machines will turn off and regenerate themselves, so we will enter the card manually.
Response from PayJunction
Hi Melissa,
Thank you for sharing your experience on Capterra. When the Smart Terminal reboots itself, it's likely because the power cable isn't locked into the Smart Terminal. There are grooves that need to fit into the cable, and it needs to be twisted 90 degrees. For a visual to help with set up, visit this support article: https://support.payjunction.com/hc/en-us/articles/214938168-Smart-Terminal-Installation-and-Setup-VIDEO
- Industry: Automotive
- Company size: 51–200 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
My absolute favorite
Reviewed on 28/09/2018
Using PayJunction has been the best overall experience of ANY prior processor used. Support is responsive and always friendly.
Pros
So easy to use and everything I would want is right there. Refunds are effortless. Researching transactions is fast and easy. Information I only hoped to get from other processors I have used is already provided on the website in an easy to retrieve form. The virtual online terminals are so easy to use and the signature capture is tracked. Love it !
Cons
I love everything about PayJunction software.
Response from PayJunction
Hi Kevin, thank you so much for the glowing review. We're happy to hear that you love our software!
- Company size: 51–200 Employees
- Used Daily for 1+ year
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Excellent
Reviewed on 22/01/2018
It simplifies running credit cards and E-checks. I have been really pleased with the whole experience.
Pros
What don't I like is more like it. This software makes running checks and credit cards so easy! Plus, I love how Pay Junction stores customers cards and information making it easy to run a card for recurring payments.
Cons
I really can't think of any Cons other than sometimes I have had one customer pay multiple times in a month and I have had to call Pay Junction for approval. Kind of a hassell if I am in a hurry but I can see the safety in it.
Response from PayJunction
Hi Jen,
We're glad you've had a positive experience as a customer of ours!
If you need your limits adjusted, you can follow the steps outlined here: https://support.payjunction.com/hc/en-us/articles/211053798-How-do-I-increase-my-processing-limits-
- Industry: Health, Wellness & Fitness
- Company size: 11–50 Employees
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Love how quick and easy it is to process credit cards.
Reviewed on 08/02/2018
The ability to do payment plans with clients and no PCI compliance issues.
Pros
The ability to do payment plans with our clients and either debit a checking account or charge a credit card really helps us manage our accounts better. I also love not having slips with signatures.
Cons
I don't like that certain cards have the client have to call and approve for it for our type of business. I don't like the 3-5 days delay for debits to come back to us.
Response from PayJunction
Hi Jamie,
Unfortunately, some card issuers do require a call to gain approval. Most often, we see a "Do Not Honor" or "Restricted SIC" declined response in these cases. Having said this, PayJunction does not approve or decline transactions. Instead, when a bank declines a transaction, we simply relay that response. If needed, the cardholder can call the bank to get more information regarding the decline. Many banks simply want to hear from the cardholder to confirm that the transaction is not fraudulent.
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
Easy to use
Reviewed on 17/01/2018
Pros
I like that it can be used from different computers and even on a mobile device if need be. I also like the ease of recharging accounts.
Cons
The monthly fees from the credit cards.. although this isn't the softwares fault. I guess I would like to see more reports on days and time of days we bring in the most money.
Response from PayJunction
Hi Maggie,
You're exactly right when it comes to credit card fees. We never charge fake fees, a common practice in the industry, and only charge the Interchange rate + a small 0.75% markup. We'll take note of that report request!
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
Easy to use, easy to understand
Reviewed on 23/01/2018
Pros
Information is immediately at your fingertips. It is easy to check on previous transactions or to process a current transaction.
Cons
Systems logs you out with no activity in just a few minutes (it'd be nice to have the cut off time to be at least 10 min.)
Response from PayJunction
Hi Patti,
Thank you for sharing your experience on Capterra! This support article details how you can make adjustments to your session timeout speed: https://support.payjunction.com/hc/en-us/articles/214406768-How-do-I-update-my-session-timeouts-I-keep-getting-logged-out-
- Used Daily for 1+ year
-
Review Source
Overall rating
- Ease of Use
- Customer Support
- Likelihood to recommend 7.0 /10
it's user friendly.
Reviewed on 17/01/2018
Pros
screens and menus are user friendly. the times i've used customer service either due to an user error or any other error they've provided solutions and courteous service.
Cons
when the internet is down we do not have any access to this software hence it doesn't help us. do not know if there is an offline option.
Response from PayJunction
Hi Jennifer,
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.
- Industry: Medical Practice
- Company size: 51–200 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 9.0 /10
PayJunction review
Reviewed on 25/09/2018
We have used a number of different merchants and your interface/software has been the easiest. Great customer service also.
Pros
The way it is organized. Pretty easy to find what one is looking for and has all the functionality we require.
Cons
The screens are a little too white-washed.
Response from PayJunction
Hi Liz, thank you for your review! You may need to simply adjust your monitor's brightness if the screen seems too white-washed. If that doesn't do the trick, feel free to call us.
- Industry: Medical Practice
- Company size: 2–10 Employees
- Used Daily for 1-5 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
We started using Payjunction once we switched our EHR to Modernizing Medicine.
Reviewed on 18/01/2018
As noted in my previous post, Payjunction is the easiest credit card processor I have ever used. The auto post feature along with not having to have paper or thermal paper receipts makes the experience so easy. Patients appreciate now getting an email receipt which that don't have to worry about losing.
I have nothing but positive things to say about Payjunction.
Pros
I love Payjunction because it allows us to send receipts via email and to auto post our payments. this has greatly reduced errors in posting payment and speeded up the process of taking payments. Now other staff members can take payments without having to use the credit card machine.
I would encourage everyone to consider switching there credit card processing vendor to Payjunction. One particular item I really appreciate not having to have is the credit card slips for patients to sign. They now sign in on the smart devi ce and rceive an email receipt. There is no need for the thermal paper receipts. We're saving money because of that.
Response from PayJunction
Hi Roger,
We're so glad you've loved partnering with us! Thank you for the glowing review.
- Industry: Automotive
- Company size: 51–200 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Functions as designed - great customer support when we have unique situations requiring human...
Reviewed on 17/01/2018
Pros
WHAT I APPRECIATE MOST OF ALL IS THE EASE OF USE. THE NEW VERSION MAKES IT RELATIVELY EASY TO FIND WHAT YOU NEED.
Cons
WHEN PRINTING SETTLED BATCHES, CAN NO LONGER SORT BY DOLLAR AMOUNT. LOST THAT ABILITY IN YOUR NEW VERSION.
Response from PayJunction
Hi Marilyn,
This issue has been brought to our engineering team's attention. Thank you for sharing this feedback!
- Industry: Medical Practice
- Company size: 51–200 Employees
- Used Daily for 2+ years
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Review Source
Overall rating
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
PayJunction for Life!
Reviewed on 28/09/2018
Pros
PayJuction is very user friendly.
Has great sorting options.
And overall is pleasing to the eye when working with in the website.
Cons
I like everything about it.
It is simple to use and very effective.
No issues from me.
Response from PayJunction
Hi Chelsea, thank you for your review! We're glad you find our software so easy to use.
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 8.0 /10
I use PayJunction for daily transactions in our practice and have found it to be easy and...
Reviewed on 17/01/2018
Ease of use.
Pros
Ease of use for patients and myself. I have found it much more user friendly than the previous system we were using prior to this.
Cons
No complaints. I have had no difficulty using the software, other than occasionally requiring refresh or hard reboot of the terminal if there has been a power outage.
Response from PayJunction
Hi Kate,
We're glad your use of our system has been relatively seamless thus far!
Our Smart Terminals should be treated like computers. If a computer loses power or is left idle for too long, it needs to be rebooted. You can learn more about this here: https://support.payjunction.com/hc/en-us/articles/115000186873-Our-Smart-Terminal-is-not-responding

- Industry: Health, Wellness & Fitness
- Company size: 2–10 Employees
- Used Daily for 1+ year
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Simplified
Reviewed on 25/09/2018
Overall, we are very satisfied as it make the front office run much smoother.
Pros
We like the simple integration with our scheduling and invoicing software.
Cons
From a cost standpoint it is a little more expensive than other credit card processing options.
Response from PayJunction
Hi James, we're glad you like our simple-to-use integration. Regarding your costs, do you know if you have a CPS or iPayment account? The pricing for these accounts is different than PayJunction's pricing.
- Industry: Medical Devices
- Company size: 2–10 Employees
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Setting up the new card reader was very easy. Customer service was very helpful along the way!
Reviewed on 08/02/2018
It's easy to use!
Pros
That it connects to Sycle! It's been so easy to process patients payments. It's very fast and patients seem to like the new system as well.
Cons
Chip cards require patients to really shove their cards in for them to work. Processing a refund via Sycle isn't easy, so I don't even use it. I process via the PJ website.
Response from PayJunction
Hi Grant,
We're glad to hear that you're taking advantage of our integration with Sycle.
If you're experiencing issues with the chip reader, give our support team a
call at 800-601-0230 to troubleshoot it.
Issues refunding through Scyle should be addressed with Sycle directly.
- Industry: Consumer Services
- Company size: 51–200 Employees
- Used Weekly for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 7.0 /10
Easy to transmit
Reviewed on 19/01/2018
When we first started as a company it was great when were having just a few transactions per month. Where we are now it is being used a lot more.
Pros
It was easy for our staff to learn and work the functions. Was pleased on the way the funds hit our account.
Cons
We have nothing bad to say about the software. One of the things we found is the fees to use the software was getting to be a lot for our small company.
Response from PayJunction
Hi Bob,
It makes sense that as your business picks up, your credit card volume and fees will increase, too. With an Interchange or Tiered account, you are getting cost savings for medium- and low-risk transactions, which is great for your finances.
- Used Daily for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Its easy and fast
Reviewed on 16/01/2018
Pros
Fast and easy to operate. There is minimal info required for all transactions. The option to send the customer email receipts.
Response from PayJunction
Hi Gabby,
We're glad to hear so many elements of our software appeal to you!

- Company size: 51–200 Employees
- Used Weekly for 2+ years
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
We easily set it up and were taking credit cards immediately. Love the dashboard - so helpful...
Reviewed on 16/01/2018
Easy of use. Less input errors. Easy to reconcile CC payments.
Pros
Easy of use and user friendly interface (kept input time down as all our transactions were input from our back office people), kept track of chargers (this was very helpful because the information automatically loaded making for a huge reduction in input time for our administrative person), the dashboard. The dashboard quickly allowed us to view seasonality and monthly volumes.
Response from PayJunction
Hi Jeffrey,
We're glad to hear that using PayJunction has benefitted your business in numerous ways!
- Industry: Retail
- Company size: 2–10 Employees
- Used Daily for 1+ year
-
Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Easy to Use!
Reviewed on 25/09/2018
Pros
The system is so easy to use, the monthly statement is easy to understand, no hidden charges, customer service is friendly and knowledgeable.
Cons
I haven't found anything I am unhappy with.
Response from PayJunction
Hi Joy, we're so glad to hear that you're happy using PayJunction and have benefitted from our easy-to-read merchant statements and customer support.
- Used Daily for 6-12 months
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Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
We have been using Payjunction since 7/17. We have had great customer support anytime we have.
Reviewed on 11/05/2018
Pros
How user-friendly it really is! The staff was up and running with it very quickly. It took a very short amount of training time for the staff to get comfortable using it. Highly recommend this product!
Cons
At this time, we have not found any issues with this software. It is compatible with our computer system and it integrates very well with our management system. Highly recommend Payjuction!
Response from PayJunction
Hi there,
Thank you for your feedback and recommendation of PayJunction!