# PayJunction Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is PayJunction the right Payment Processing solution for you? Explore 112 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/70932/Paperless-Payment/reviews --- PayJunction 4.8 (112) [View alternatives](https://www.capterra.com/p/70932/Paperless-Payment/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of PayJunction Ease of use 4.8 Customer Service 4.7 ## Pros and Cons in Reviews SB Sue B Practice ManagerVeterinary, 11 - 50 employeesUsed the software for: 1-2 years. “Pay Junction's integration with ezyVet makes taking payments easy!“ March 11, 2025 yr yesenia r Assistant ManagerVeterinary, 11 - 50 employeesUsed the software for: Less than 6 months. “There's not very much i can see that i dislike about payjunction in my own personal opinion“ February 20, 2024 ZL Zoe L Veterinary Assistant and Office ManagerVeterinary, 2 - 10 employeesUsed the software for: Less than 6 months. “Easy to use card processors, amazing locally based customer service.“ September 25, 2024 Philip Quintas V OwnerMedia Production, Self-employedUsed the software for: More than 2 years. “The cost when business was slow. “ March 10, 2022 JA Jin A VeterinarianVeterinary, 2 - 10 employeesUsed the software for: More than 2 years. “Payjunction integrates very well with the medical software that I'm using currently (it's called EzyVet).“ February 8, 2024 JR Jennifer R Owner, veterinarianVeterinary, Self-employedUsed the software for: 6-12 months. “Online payment links, a mobile terminal , and the ability to store cards securely are all important to my business.“ July 14, 2022 ## Showing most helpful reviews Showing 1-25 of 112 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Gabriel G. President Automotive Used the software for: 1-2 years ### "PayJunction a win for us!" September 25, 2018 4.0 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. Review Source Response from PayJunction October 15, 2018 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-" ZL Zoe L. Veterinary Assistant and Office Manager Veterinary Used the software for: Less than 6 months ### "Excellent payment processing platform" September 25, 2024 5.0 Pros Easy to use card processors, amazing locally based customer service. Cons Not every transaction need can be done from the integrated widget and you need to login to the website for recurring payments, refunds, etc. Alternatives considered [Gravity Software](https://www.capterra.com/p/154433/Gravity-Software/) Reason for choosing PayJunction Low interest rate, excellent customer service, compatibility with medical software. Switched from [Worldpay for Enterprise](https://www.capterra.com/p/165694/Virtual-Terminal/) WorldPay had poor customer service and was constantly having outages and bugs. PayJunction was also cheaper. Review Source DB Deborah B. Financial Coordinator Used the software for: Less than 6 months ### "Have been satisfied with service." February 13, 2018 3.0 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. Review Source Response from PayJunction August 28, 2018 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- JR Jennifer R. Owner, veterinarian Veterinary Used the software for: 6-12 months ### "Great merchant service platform for Veterinarians on the go!" July 14, 2022 5.0 The speed of payment processing and resulting receipt of funds has been very valuable to my practice.My practice doesn't utilize staff so the ability to spend more time with my clients and less time on clerical duties is important. It has streamlined my visits to help manage the client experience and keep me efficient and productive. Pros I am a Veterinarian who specializes in companion animal rehabilitation and chiropractic care. My practice has branches in 2 different states and provides services in both a traditional building location and mobile/house call options. The best features of PayJunction for me are the seamless intergration with my practice software, the flexibility accepting payments, and the ability to function at remote locations. Online payment links, a mobile terminal , and the ability to store cards securely are all important to my business. Cons Setting up locations in different states was challenging due to delays in state documentation necessary to complete the process. Despite the difficulties, the software was easy to apply once everything was in place. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing PayJunction Faster fund release and better merchant rates Switched from [Clover](https://www.capterra.com/p/226864/Clover/) More flexibility in payment options (online vs in person) and integration with Ezyvet Review Source CG CLIFTON G. Owner Sports Used the software for: 1-2 years ### "PayJunction - Provided a reliable Merchant processing that fit our business" June 15, 2021 5.0 Our experience as very good. Their prices was good in comparison to other merchant processors. Pros PayJunction had all of the features needed to support our business. On-Line, Mobile, and in-person sales. It also provided the tools to analyze processing problems and correct them. Cons I have not Cons on PayJunction. Their reports were useful to analyze who was puchasing our products. Reason for choosing PayJunction It was the option that provided a good interface and pricing. Switched from [Mindbody](https://www.capterra.com/p/40229/MINDBODY/) We switched to a new software that managed our Yoga Studio business. This provided us the option to use a lower cost Merchant Processor. Review Source yR yesenia R. Assistant Manager Veterinary Used the software for: Less than 6 months ### "Payjunction so easy!" February 20, 2024 5.0 Pros I love how easy Payjunction is to use. Now that it is integrated to Ezyvet payments are so easy to take and refund. Cons There's not very much i can see that i dislike about payjunction in my own personal opinion Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Payjunction became integrated with Ezyvet which made it much easier for the staff to use. Review Source KN Kandi N. Manager Veterinary Used the software for: Less than 6 months ### "Great Merchant Service" November 3, 2023 5.0 Pros Integration with our client software and very easy dashboard to navigate reports and refunds. Cons I can't say there is anything I don't like about it. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) To integrate with your software and process payments via text links Review Source SB Sue B. Practice Manager Veterinary Used the software for: 1-2 years ### "We Balance Every Night!" March 11, 2025 5.0 We balance EVERY night when we close. The support when needed is always helpful and quick. Pros Pay Junction's integration with ezyVet makes taking payments easy! Cons Can't think of anything I don't like. I wouldn't mind if it integrated with Care Credit cards. Switched from [Merchant Services](https://www.capterra.com/p/110828/PayConex/) Pay Junction's Integration with ezyVet.. Review Source Ozan Emrah Ç. Technical Sales Support Engineer Information Technology and Services Used the software for: 1-2 years ### "Great Payment Processing" August 2, 2022 5.0 It is amazing payment processing software with very low commissions compared to the services it provides. Pros It is very secure and easily integrates with any eCommerce software. They ask for considerably little commission for their amazing service. Cons There are not many out-of-the-box integrations and require custom integrations. Review Source Philip Quintas V. Owner Media Production Used the software for: 2+ years ### "PayJunction works well and has good rates and features, but unless you use it a lot, it's expensive" March 10, 2022 5.0 I would describe my experience with PayJunction as positive. They have especially great customer service and excellent rates for transactions. Fairly simple to use and reliable. Pros It allowed me to collect payment from my clients safely ad securely both in-person and through links I generated and emailed to them. Cons The cost when business was slow. PayJunction costs a monthly fee and when I wasn't using it much, that was a difficult expense to justify. Review Source JA Jin A. Veterinarian Veterinary Used the software for: 2+ years ### "Payjunction" February 8, 2024 5.0 Pros Payjunction integrates very well with the medical software that I'm using currently (it's called EzyVet). Cons There is none that I like least about payjunction. Review Source LM Laura M. CVT/manager Medical Practice Used the software for: 2+ years ### "Signing up for Payjunction was so easy and our representative was very helpful. " January 23, 2018 5.0 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. Review Source Response from PayJunction August 28, 2018 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. KD KIMBERLY D. VICE PRESIDENT Used the software for: 2+ years ### "We run two companies using Pay Junction and we are very satisfied. " January 17, 2018 5.0 Pros We get our money fast and it is very easy to use and setup. Support is great and very easy to reach a real person. Outstanding customer service! Cons We really are satisfied with the software and if we could get a chip reader for less money that would be a real perk. Not willing to pay the going rate to protect ourselves as we are in a community and area that hasn't had to worry about fraud issues. I also would like a signer pad that did not have such a glare with light. It's probably something that can be updated, but I have never been asked or offered any updated equipment. Review Source Response from PayJunction August 28, 2018 Hi Kimberly, We're glad to hear that you're satisfied with your service to date! Unfortunately, this is the only signature pad that we offer at this time. If you're looking for discounted equipment, you can contact your sales point of contact to discuss your options. JR Jeanette R. Staff Accountant Medical Practice Used the software for: 1-2 years ### "very easy to process charges, voids and refunds. " January 16, 2018 5.0 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. Review Source Response from PayJunction August 28, 2018 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. CA Cody A. Finance Manager Automotive Used the software for: 2+ years ### "Wonderful addition to our flow of business..." September 28, 2018 5.0 We have been using it for quite a number of years and it has really helped our business. Would recommend to anyone looking for a wonderful credit card/check processing company! :) Pros Easy to use, helps collect payments without too much though, great customer service! Cons Limits on transactions and occasional confusing aspects of the software. Review Source Response from PayJunction October 11, 2018 Hi Cody, we appreciate your review and recommendation! If you are ever wondering whether a certain feature is available or if you cannot find something you need, feel free to call our support team at 800-601-0230. DT Debbie T. Manager Entertainment Used the software for: 2+ years ### "Rental Service Manager Review" September 28, 2018 5.0 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. Review Source Response from PayJunction October 15, 2018 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. KG Kevin G. Comptroller Automotive Used the software for: 2+ years ### "My absolute favorite" September 28, 2018 5.0 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. Review Source Response from PayJunction October 11, 2018 Hi Kevin, thank you so much for the glowing review. We're happy to hear that you love our software! JH Jamie H. Practice Manager Health, Wellness and Fitness Used the software for: 6-12 months ### "Love how quick and easy it is to process credit cards." February 8, 2018 5.0 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. Review Source Response from PayJunction May 25, 2018 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. PK Patti K. VIP Customer Service Specialist Used the software for: 2+ years ### "Easy to use, easy to understand" January 23, 2018 5.0 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.) Review Source Response from PayJunction August 28, 2018 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- jC jennifer C. operations Used the software for: 1-2 years ### "it's user friendly. " January 17, 2018 4.0 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. Review Source Response from PayJunction August 28, 2018 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. MH Michael H. sales Used the software for: 2+ years ### "PayJunction software is second to none. Helps businesses run more efficient." January 19, 2018 5.0 Pros Recurring billing along with end of day reconciliation. Smart Terminal faces the customer for their purchases. Numerous ways for them to pay. Review Source Response from PayJunction May 22, 2018 Hi Michael, Thank you for your kind review! We hope you continue to be a happy customer. MB Mariam B. Director of Finance Research Used the software for: 2+ years ### "Grate company to work" September 28, 2018 5.0 grate experience. Pros I like Payjunction because : 1- solve your problem so fast 2- We have been working with Pay junction more than 15 years. 3- They are so professional and friendly. 4-We are grateful working with Payjunction. 5-I could get all the information that I need online. Cons Friendly software. It is so easy to make report . Review Source Response from PayJunction October 11, 2018 Hi Mariam, we're glad to hear that you've been a happy, long-term client! sP shane P. owner Automotive Used the software for: 6-12 months ### "very easy to use, intuitive" January 16, 2018 5.0 Pros I really like the interface. easy to search for past transactions and recharge regular customers. you can void easily if you make a mistake. Cons not really a software issue but sometimes the card reader can be slow, have had to reboot it at times when it stops working. Review Source Response from PayJunction May 22, 2018 Hi Shane, We're glad you like our software interface! Should you continue to experience issues with your card reader, please give our support team a call at 800-601-0230 so we can see if the issue can be resolved more permanently. MA Michelle A. Financal Program Specialist Used the software for: 6-12 months ### "PayJunction is easy to use." January 18, 2018 5.0 Pros What I like most about this software is that I like that there multiple ways to search for payments that patients have made. Cons What I like least about this product is when printing sometimes not all the information prints out on the receipt that you can see when searching for a payment. For example if I search a for a patient using their account number, sometimes the account number prints our on the receipt and sometimes it does not print. I wish all receipts would print the same. Review Source Response from PayJunction August 28, 2018 Hi Michelle, We're glad to hear that out software has made it easier to search for patient payments. The size of your receipts may be causing the information to display differently. CA Chelsea A. Billing Rep Medical Practice Used the software for: 2+ years ### "PayJunction for Life!" September 28, 2018 5.0 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. Review Source Response from PayJunction October 11, 2018 Hi Chelsea, thank you for your review! We're glad you find our software so easy to use. Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.