PayJunction is a payment processing platform that powers mid to large-scale businesses with smart payment processing, electronic signature capturing, and comprehensive multi-user and multi-location reporting. We compiled user reviews from around the web to determine what PayJunction customers think about the company. We also compared the most common pricing options for small business owners.
For an in-depth comparison of three top payment gateways, read our payment gateway buyer’s guide.
PayJunction Customer Reviews
Ease of Use: Excellent
Customer Service: Excellent
Summary of User Reviews
We scoured hundreds of reviews and determined that PayJunction has mainly positive reviews. Here’s what we found:
What PayJunction does well:
According to the positive reviews online, users like PayJunction because there are no monthly fees if you process more than $10,000 and no setup fees. It is also commended for having a user-friendly interface, a helpful customer service team, and useful additional features.
What PayJunction does not do well:
We only found very few negative reviews of PayJunction. Of these few, users said that PayJunction’s approval process takes too long — someone mentioned that it takes two to three weeks to set up an account. What they dislike most is that there is a $35 fee for accounts that process less than $10,000 monthly. Apart from that, some users say that the interchange markup is higher than other merchants.
Most Helpful Positive User Review
One positive reviewer commented on Facebook that she tried two other payment gateways and decided that PayJunction was the right choice for her business. She also mentioned that the customer service is great.
Most Helpful Negative User Review
According to several negative reviews from various websites, PayJunction can be too pricey based on their interchange fees. Although they do not charge per transaction, they have additional fees that can add up. There are also a few reports of pushy sales people.
PayJunction offers two pricing structures for merchants — the Clean Start plan and the Rate Match plan. The Clean Start plan charges 0.75% + the interchange fee for every credit and debit card payment. They also have check payment processing fees amounting to 0.75% of the cost of each transaction.
With the Rate Match plan, PayJunction will match the current rate or offer lower fees than your previous payment gateway provider.
|Clean Start Plan||Fees|
|Credit and Debit Card Payments||0.75% + Interchange Fee|
|Monthly||$0 or $35 if you process|
less than $10,000 per month
|PCI Compliance Fee||$0|
For more information on how credit card processing fees work, read our guide.