PayJunction

What is PayJunction

PayJunction is a payment processing company that provides solutions for businesses to accept credit and debit card payments. Founded in 2000 and headquartered in Santa Barbara, California, its main purpose is to simplify how businesses integrate payment acceptance into their existing software. The core of their service is a no-code integration that works with any browser-based software, allowing companies to upgrade their payment system without changing the tools they already use. PayJunction combines a virtual terminal, modern payment hardware, and secure transaction processing into a single platform, focusing on providing flexibility and strong customer support without long-term contracts.

PayJunction Features

PayJunction offers a set of features designed to make payment processing efficient and secure.

• No-Code Integration: This feature allows you to connect PayJunction to any web-based software using a browser extension. It overlays a payment interface on your existing system, so you can process payments without any programming or complex setup.
• Virtual Terminal: A web-based portal that lets you manually key in credit card information, view transaction history, issue refunds, and manage customer data from any computer with internet access.
• Modern Payment Terminals: PayJunction provides physical terminals for in-person transactions. This includes the ZeroTouch Terminal for a customer-facing experience and a Portable Terminal with Wi-Fi for payments on the go.
• Secure Card on File: Safely store customer payment information using tokenization. This is useful for processing future payments quickly and for setting up recurring billing without storing sensitive data on your own systems.
• Text to Pay: Send a secure payment link to customers via SMS text message. Customers can click the link and pay from their smartphone, which speeds up collections.
• Recurring Billing: Automate scheduled payments for subscriptions, memberships, or installment plans. You can set up custom schedules and amounts for each customer.
• Advanced Reporting: The platform includes tools to generate detailed reports on sales, transaction volume, and batch settlements. This helps with financial reconciliation and business analysis.
• PCI Compliance Support: PayJunction provides tools and guidance to help businesses achieve and maintain PCI DSS compliance, reducing security risks.

PayJunction Pricing Plans

PayJunction does not list specific pricing plans on its website. Instead, they provide customized pricing based on the specific needs of each business. The final cost depends on factors like monthly transaction volume, average transaction size, and the industry you operate in. They offer flexible models, including interchange-plus pricing, which is often more transparent than tiered pricing. Businesses can also choose a Gateway Only option if they already have a merchant account with another provider. To get a price quote, you must contact their sales team for a consultation.

PayJunction Free Plan

PayJunction does not offer a free plan for its payment processing services, as transaction fees are standard in the industry. However, they do provide a free, no-obligation demo of their platform. During the demo, their team shows you how the system works, how the no-code integration connects to your software, and answers any questions you have. This allows you to evaluate the service before making a commitment.

How to use PayJunction

Getting started with PayJunction is a straightforward process focused on integration with your current workflow.

1. Request a Demo: The first step is to contact PayJunction to schedule a demonstration of their platform.
2. Consultation and Setup: A PayJunction representative will discuss your business needs and create a custom pricing package. Once you agree, they will help you set up your merchant account.
3. Install the Integration: For the no-code solution, you will install the PayJunction browser extension. This takes only a few minutes.
4. Receive Hardware: If you accept in-person payments, your payment terminals will be shipped to you.
5. Process Payments: Open your browser-based software (like a CRM or practice management system). When you need to take a payment, the PayJunction extension will activate, allowing you to process the card through the terminal or key it in securely.
6. Manage Transactions: Log in to the PayJunction Virtual Terminal to view all your transaction data, manage recurring billing, send payment requests, and run reports.

Pros and Cons of PayJunction

Pros:

• Seamless Integration: The no-code integration for browser-based software is a major advantage, saving time and development costs.
• No Long-Term Contracts: PayJunction offers month-to-month agreements and no early termination fees, providing great flexibility.
• Strong Customer Support: The company is known for its high-quality, U.S.-based customer service.
• All-in-One Solution: It handles online, in-person, and keyed-in payments within a single system.
• Modern Hardware: Their payment terminals are sleek, modern, and support contactless payments.

Cons:

• No Public Pricing: You must contact sales for a quote, which makes it difficult to compare costs upfront.
• Not Ideal for E-commerce Startups: While it can process online payments, it is not primarily designed as an e-commerce gateway like Stripe for building a new online store from scratch.
• Focused on Existing Software: The main benefit is for businesses that already have a web-based system they want to keep. It may be less suitable for businesses without an established software workflow.

PayJunction integrations

PayJunction's primary integration method is its no-code browser extension, which is designed to work with virtually any browser-based software, CRM, or practice management system. This means it does not require a traditional, pre-built integration. You can use it with systems like:

• Veterinary Practice Management Software: Integrates with systems like AVImark, Cornerstone, and ImproMed.
• Dental Practice Management Software: Works with platforms like Dentrix and Eaglesoft.
• Automotive Dealership Software: Connects with dealer management systems (DMS).
• CRMs and Invoicing Tools: Can be used with the browser-based versions of Salesforce, QuickBooks Online, and other similar platforms.

For businesses that need deeper, custom connections, PayJunction also offers a full developer API.

PayJunction Alternatives

• Stripe: A popular choice for online businesses and developers. Stripe offers a powerful API, extensive documentation, and transparent flat-rate pricing. It is more focused on e-commerce and custom development than PayJunction's no-code integration.
• Square: An excellent all-in-one solution for small businesses, especially in retail and food service. Square provides POS hardware, simple software, and predictable flat-rate pricing. It is less focused on integrating with third-party business management software.
• Authorize.net: A well-established payment gateway that is known for its reliability and security. It can connect to a wide variety of merchant accounts and shopping carts but often requires more technical setup than PayJunction.
• Helcim: Known for its transparent interchange-plus pricing and excellent customer service. Helcim offers a range of tools, including a virtual terminal and card readers, making it a strong competitor for businesses looking for clear, low-cost processing.

PayJunction API

Yes, PayJunction provides a full-featured RESTful API for developers who need to build custom payment integrations into their applications or websites. The API allows you to process transactions, manage customer data, and pull reporting information directly from your own software.

To get started, developers can visit the PayJunction Developers section on their website. There, you can find comprehensive documentation, code samples, and information on how to obtain API keys. Typically, API keys are generated from within your PayJunction account settings after your merchant account is approved. There is no extra cost to use the API.

Here is a basic example of a cURL request to charge a card using the API:

curl https://api.payjunction.com/transactions \
  -u "YOUR_API_LOGIN:YOUR_API_PASSWORD" \
  -d "action=CHARGE" \
  -d "amountBase=10.00" \
  -d "cardNumber=4444555566667777" \
  -d "cardExpMonth=12" \
  -d "cardExpYear=2028" \
  -d "cardCvv=123"

PayJunction Affiliate program

PayJunction offers a Partner Program rather than a traditional affiliate program with simple referral links. This program is designed for software providers, developers, and resellers who want to integrate PayJunction's payment processing into their own products or recommend it to their clients.

Partners can earn revenue through referral commissions or revenue sharing agreements. The commission rates and terms are not publicly listed and are typically negotiated based on the partner's business model and referral volume. To join, you need to visit the 'Developers' or 'Partners' section on their website and fill out an application form. A partner manager will then contact you to discuss the program details and how you can work together.