PayJunction

4.8 (110)
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Payment processing for mid-large scale businesses

About 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.


Key benefits of PayJunction

  • 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.

  • Images

    PayJunction Software - Manage transactions from credit or debit cards, e-checks, and the PayJunction smart terminal
    PayJunction Software - View reports and analytics on business metrics such as average transaction amounts, totals by brand, and more
    PayJunction Software - Search for customers within the database and view their entire transaction history and payment details
    PayJunction Software - Send customers electronic receipts directly to their device via email
    View 5 more
    PayJunction video
    PayJunction Software - Manage transactions from credit or debit cards, e-checks, and the PayJunction smart terminal
    PayJunction Software - View reports and analytics on business metrics such as average transaction amounts, totals by brand, and more
    PayJunction Software - Search for customers within the database and view their entire transaction history and payment details
    PayJunction Software - Send customers electronic receipts directly to their device via email

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    Starting Price

    US$50.00
    one-time
    $139.00
    month

    Pricing Options

    Free version
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    Features

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    Integrations

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    Ease of Use

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    Reviews

    Overall rating

    4.8 /5
    (110)
    Value for Money
    4.5/5
    Features
    4.7/5
    Ease of Use
    4.8/5
    Customer Support
    4.7/5

    Already have PayJunction?

    Software buyers need your help! Product reviews help the rest of us make great decisions.

    Showing 5 reviews of 110
    Jeanette
    Overall rating
    • Industry: Medical Practice
    • Company size: 51–200 Employees
    • Used Daily for 1+ year
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 10.0 /10

    very easy to process charges, voids and refunds.

    Reviewed on 16/01/2018

    Pros

    I like the fact that you can pull up reports with ease. As well as all transaction history either from the daily reports or from the search button. Issuing refunds and voiding transactions are also very easy and I like that it sends the customer a copy of the receipt when issuing a refund.

    Cons

    I was told we can't issue a refund after a year unless we contact customer services. That is the only thing I do not like about the software.

    Response from PayJunction

    Hi Jeanette,

    We're glad that using PayJunction has been beneficial overall! We apologize for the inconvenience of having to call support, but this is a security precaution that we take any time a card hasn't been charged in over a year or has never been charged. Should you want more clarification, you can find it here: https://support.payjunction.com/hc/en-us/articles/210469308-What-Is-a-UC-Uncharged-Refund-Decline-Code-

    We love helping customers just like you, so please give us a ring should you ever be in need.

    Kelsey
    Overall rating
    • Industry: Automotive
    • Company size: 51–200 Employees
    • Used Daily for 2+ years
    • 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.

    Sean
    Overall rating
    • Industry: Computer Software
    • Company size: 11–50 Employees
    • Used for 1+ year
    • 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...

    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.

    Alex
    Overall rating
    • Industry: Hospital & Health Care
    • Company size: 11–50 Employees
    • Used Daily for 6-12 months
    • 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...

    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.

    Karen
    Overall rating
    • Industry: Automotive
    • Company size: 2–10 Employees
    • Used Daily for 6-12 months
    • 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.

    Showing 5 reviews of 110 Read all reviews

    PayJunction FAQs

    Below are some frequently asked questions for PayJunction.

    PayJunction offers the following pricing plans:

    • Starting from: US$50.00/one-time
    • Free Trial: Not Available

    $0.00 monthly fee. Fees are calculated as: Cost + 0.75% for credit cards and 0.75% for checks.

    PayJunction has the following typical customers:

    11–50, 51–200, 201–500, 501–1,000, 1,001–5,000

    PayJunction supports the following languages:

    English

    PayJunction supports the following devices:

    iPhone (Mobile), iPad (Mobile)

    PayJunction integrates with the following applications:

    Adobe Commerce, Shift4Shop, Shopify, Sycamore School

    PayJunction offers the following support options:

    Email/Help Desk, Knowledge Base, Phone Support, Chat

    Related categories

    See all software categories found for PayJunction.