# Page 2 | PayJunction Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Page 2 - 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

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PayJunction

4.8 (112)

[View alternatives](https://www.capterra.com/p/70932/Paperless-Payment/alternatives/)

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Last updated March 13th, 2026

# Page 2 - Reviews of PayJunction

## Showing most helpful reviews

Showing 26-50 of 112 Reviews

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Rating

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Reviewer's Role

Length of Use

Frequency of Use

CS

Carolyn S.  
Office Manager  
Veterinary  
Used the software for: 2+ years

### "PayJunction"

June 28, 2024

5.0

Pros

The best thing about PayJunction and the main reason we switched is the integration with our veterinary PIMS. Payment is quick, easy, and accurate every time. We no longer have to worry about mistyped amounts on a credit card machine. Our recorded payment amount always matched our actual payment amount.

Cons

It is more expensive than what we were previously paying. Althought the rates are higher, we do feel the efficiency and accuracy of payment collection is more than worth it.

Review Source

VR

Verified Reviewer  
Owner  
Retail  
Used the software for: Less than 6 months

### "Great Credit Card Processing, Especially for a Business with Multiple Locations"

September 6, 2018

5.0

So far, so good. It provides much better back end access for running returns or adjustments for clients. It allows me to remotely see what my employees are doing as everyone has their own login. Setting up recurring payments or running future transactions on a card (securely) on file is a breeze. The client always gets an emailed receipt, so it's easy to prevent fraudulent charges by employees and charge-backs from customers. The smart terminal is easy to use and helps save a ton of paper by sending e-receipts.

Pros

It's all a virtual terminal, so I can access everything from wherever I am. Having three locations, it's imperative I have one login to check on statements, transactions, etc. With our previous processor I had eight different logins for this. With PayJunction it's all in one place. It also enables me to run a transaction for any location from whichever office I'm in. I don't need direct access to the physical terminal to run a payment. I can even run a payment in person for someone for a different location than I'm currently at to help keep my accounting correct. Handling remote transactions is amazing with PayJunction. For any remote transaction the client gets an email requesting a signature for the payment, so there's no need for authorization forms to protect us - everything gets signed! All signatures are stored digitally as well, whether as a remote transaction or in person on the PayJunction smart terminal, so there's no need to keep a giant collection of paperwork for credit card transactions. It's all stored digitally and easy to search through/run reports. Setting up a payment page on our website as a hosted checkout was easy as well. It gives our clients an easy way to pay if we're not in the office and they know their balance due. Everything about PayJunction has made our credit card processing easier and more streamlined.

Cons

Customer support. There's no support on weekends! They lost Shopify integration and do not have a mobile card reader yet, so I have to use separate companies for those two things.

Review Source

Response from PayJunction

September 7, 2018

Hey, thank you for this review! We're glad that our system has improved your day-to-day payment processes! Our support team has extended its hours over the last year to offer 10 extra hours of support every week. They're now available Monday-Friday from 6 a.m. to 5 p.m. PT. Our team is dedicated to supporting your needs, and we do provide extended, emergency support during select holidays and weekends. Shopify, unfortunately, ended its partnership with us. We apologize for any inconvenience this decision caused. Lastly, our mobile app is still in development and we would never want to promote a product that wasn't 100% ready. We will hopefully have this out to you in 2019 with the functionality you've come to expect from PayJunction's products and services.

AD

Amanda D.  
CSR/SysAdmin  
Information Technology and Services  
Used the software for: 6-12 months

### "Very straight-forward software. Easy to navigate and use even for first-time users."

February 9, 2018

4.0

Lower credit card processing fees.

Pros

Very easy to use with minimal training. Interface looks clean, simple, and organized. Also like how the payment methods actually look like the physical item (e-check looks like an actual paper check, Visa card has the Visa logo on it, etc.) which makes distinguishing between multiple payment options very simple.

Cons

No easy way to sort/view customers by the company name instead of the cardholder name. Wish VERY MUCH that there was an option to customize the customer list so we could add a column to view the cardholder name AND company name, and then also sort the columns. Also want to see the company name in the data fields when viewing the Recurring Accounts list. I have to cross-reference this EVERY time I have to verify which of our customers are on auto-pay as we don't refer to them based on cardholder name, but by the name of their company. Example: Joe at Smith Masonry calls and asks to update the card we have on file for their recurring payment, but the current card we have isn't under Joe's name and he doesn't know offhand which name it IS under. I have to export the full Recurring Accounts list to an Excel file in order to see the company name each account is associated with, JUST so I can tell Joe that the old card was under his assistant Jenna's name. Then I have to cancel the recurring payment under Jenna's customer account name, create a whole NEW customer account since the new cardholder is now Joe, and set up the recurring payment once more under Joe's name. Not even done yet! Because when creating new recurring payments, entering the company name isn't even an available field yet! You have to save it first, go back to the Recurring Accounts list, reopen it, hit Edit, and THEN type in the company name. TOO MANY STEPS for something so simple.

Review Source

Response from PayJunction

August 28, 2018

Hi Amanda, Thank you for sharing your feedback. We have two workarounds to share with you. 1) To view the companies in the customer list, you simply need to export the list. Here's some information about that: https://support.payjunction.com/hc/en-us/articles/214407668-How-do-I-export-my-contacts- 2) The field names that appear in the recurring accounts are based on the columns set in the 'Recent' section. You'll want to edit the columns to have "Company" as one of them. You can do this by navigating on the top right corner of the Recent page. There, you'll find an "Edit Columns" button.

SM

Stephanie M.  
Practice Manager  
Veterinary  
Used the software for: 1-2 years

### "Payjunction has been an amazing integration with ezyVet"

August 1, 2022

5.0

Our overall experience has been great, particularly with customer service. Also, they beat our rates from our previous processor, which were already low, so that was a plus too.

Pros

Payjunction allows our veterinary PMS, ezyVet, to seamlessly take credit card payments in one step. No more mismatched end of day sheets - everything happens in one step so everything always matches. Also the ability to send remote payment links for people picking up medications or for people that need to pay a bill has been wonderful as well.

Cons

I truly don't have anything I'd want updated on Payjunction's end.

Review Source

Richard H.  
Orthodontist  
  
Used the software for: 2+ years

### "Great product and customer service."

January 21, 2018

5.0

Pros

The ability to email receipts and look up past transactions. Flawless processing and great archiving.

Cons

No concerns other than lack of function if no internet. Don't like minimum monthly usage fees which don't show up on statments.

Review Source

Response from PayJunction

August 28, 2018

Hi Richard, We're glad you like our product! 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.

SV

Shannon V.  
Practice Manager  
Veterinary  
Used the software for: 2+ years

### "PayJunction"

July 21, 2022

5.0

Overall, we have had a positive experience with PayJunction.

Pros

It is extremely easy to use and to process payments and refunds. Plus, it integrates easily with our software.

Cons

I wish there was a better/more affordable mobile terminal for our techs to bring into the exam rooms.

Review Source

Daniel P.  
Franchisee  
Transportation/Trucking/Railroad  
Used the software for: 2+ years

### "Capture payment quickly"

April 30, 2019

5.0

Pros

It is great for the basics with collecting payment. Other software makes it difficult to refund, edit, or cancel transactions but PayJunction has always been simple to use for those functions

Cons

No Cons for me, we are using PayJunction along side another software product for encrypted mobile payments- PayJunction is always preferred because it is less steps and ultimately less time to collect payment.

Review Source

AC

Alex C.  
Director of Operations  
Hospital & Health Care  
Used the software for: 6-12 months

### "Overall, a good experience"

January 16, 2018

4.0

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.

Review Source

Response from PayJunction

May 22, 2018

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.

VR

Verified Reviewer  
Lead Patient Care Coordinator/ Event Coordinator  
Medical Devices  
Used the software for: 2+ years

### " I would highly recommend Pay Junction!"

September 25, 2018

5.0

My overall experience has been wonderful from day one starting with our account rep to every day use of the system.

Pros

pay junction makes it easy for us to take patient's payments over the phone because we can email the charge directly to them to sign while still on the phone.

Cons

I don't have any cons about pay junction.

Review Source

Response from PayJunction

October 11, 2018

Thank you for your review! We're so glad to hear that you've made use of our system to take more convenient and secure phone orders.

Diana M.  
Surgical Coordinator  
  
Used the software for: 2+ years

### "Best service ever."

January 22, 2018

4.0

User friendly, Integration with current EMR, customer service.

Pros

personalized assistance, Best service ever. Every time I have had a question, customer rep. has been my go to guy. He is an asset to the company . User friendly , the features and functionality are a plus, the overall quality exceeds the competitors. Integrates with our current EMR perfect

Review Source

Response from PayJunction

May 22, 2018

Hi Diana, We're so glad you've loved using our product!

SM

Serena M.  
Operations  
Veterinary  
Used the software for: 6-12 months

### "Pretty good system"

September 16, 2022

4.0

Overall, as a user, this is one of the easier systems I have used

Pros

It is simple to send payment links and has a straightforward UI. Able to recharge credit card on file and issue refunds smoothly.

Cons

Unable to transmit to our managent system every night for a few hours

Review Source

Luke P.  
President  
  
Used the software for: 2+ years

### "The best merchant services company I've used."

January 17, 2018

5.0

Lower monthly cost and a cool kiosk. Great support. Maybe better integration with Quickooks would be nice, but even that isn't mandatory. I've very happy with the product.

Pros

Support - they are friendly and available when they are needed. I love the kiosk that is provided - we've received numerous compliments about how easy it is to use, and how fast it is.

Review Source

Response from PayJunction

May 22, 2018

Hi Luke, We're so glad you've enjoyed partnering with us!

NH

Nathan H.  
Counseling  
Mental Health Care  
Used the software for: 2+ years

### "Great Support"

March 24, 2021

5.0

Customer service has been great. Very easy to use the software once cards are uploaded.

Pros

I loved that I was able to get a competitive rate. Once the cards were in the system, it is easy to set up payments and re-occuring payments also. When I have had issues, customer service has been very helpful.

Cons

Switching companies means uploading all the cards again. That is a very long process that I don't believe is unique to this company. So outside of that, I really can't think of what I don't like about this software.

Switched from

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

Cheaper rates.

Review Source

Christina M.  
Controller  
Hospitality  
Used the software for: 6-12 months

### "Customer Service is quick to answer any questions and help with any issues"

January 16, 2018

5.0

very quick and easy to use

Pros

Its very easy to use. Any time I have an issue I can call or email customer service and they respond to me right away and are always willing to help. I even had Cust support rep conference a call with me to American Express to get them added onto our merchant account.

Cons

The fact American Express is very difficult to get added onto the account. No fault of PayJunction but it took me almost an hour to call and get a merchant number to provide to PayJunction.

Review Source

Response from PayJunction

May 22, 2018

Hi Christina, We're glad we were able to provide you with quality support when you needed it. We will hopefully resolve any issues you bring us more quickly in the future.

Tom M.  
CEO  
Medical Practice  
Used the software for: 1-2 years

### "Quick SmartTerminal "

February 8, 2018

4.0

Pros

The SmartTerminals process chip-enabled credit cards very quickly (3-4 seconds) which our patients love.

Cons

The online payment portal is not integrated with our billing system. Patient payments online require manual posting to enter our billing system.

Review Source

Response from PayJunction

May 22, 2018

Hi Tom, Thank you for sharing your feedback on Capterra! We have dozens of integrations with patient management systems. Perhaps looking to see if we're integrated or can integrate with your provider would be a great next step.

James H.  
Board Member  
Health, Wellness and Fitness  
Used the software for: 1-2 years

### "Simplified "

September 25, 2018

5.0

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.

Review Source

Response from PayJunction

October 15, 2018

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.

KG

Kelsey G.  
Office Manager  
Automotive  
Used the software for: 2+ years

### "Great customer service with only 1 drawback"

January 16, 2018

4.0

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

Review Source

Response from PayJunction

May 25, 2018

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.

Kristina J.  
JRSC Express Manager  
Printing  
Used the software for: 1-2 years

### "PayJunction"

January 4, 2019

5.0

PayJunction is very easy to use. You simply sign in, and then enter your payment. You can choose to add notes about the payment, and even enter an email so they can sign electronically. You can also email them receipts right through the software.

Pros

The ease of use. All you have to do is sign in, and click the payment type and enter payment.

Cons

I would not change anything about this software.

Review Source

Jeffrey R.  
President/Founder  
  
Used the software for: 2+ years

### "We easily set it up and were taking credit cards immediately. Love the dashboard - so helpful at a "

January 16, 2018

5.0

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.

Review Source

Response from PayJunction

May 22, 2018

Hi Jeffrey, We're glad to hear that using PayJunction has benefitted your business in numerous ways!

VR

Verified Reviewer  
Practice Manager  
  
Used the software for: 6-12 months

### "We have been using Payjunction since 7/17. We have had great customer support anytime we have."

May 11, 2018

5.0

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!

Review Source

Response from PayJunction

May 23, 2018

Hi there, Thank you for your feedback and recommendation of PayJunction!

JW

Jeanne W.  
Accounting Services  
  
Used the software for: 2+ years

### "My applications tend to go quite smoothly. Customer Support is wonderful!"

February 15, 2018

5.0

Pros

It is relatively easy to use and to correct errors if you make them. It holds the last numbers of cards you have processed previously so you don't have to type in the entire number for repeat customers. And, you can search by name as well as by number.

Cons

I don't like the automatic "send a signed receipt" button. I don't want all those emails coming back to me. I always click it off. This may be something our I.T. Dept could amend.

Review Source

Response from PayJunction

August 28, 2018

Hi Jeanne, We're glad to hear that you've experienced a seamless experience using PayJunction. Feel free to ring into our support line should you want assistance with the "send a signed receipt" button. If you don't like the automatic "send a signed receipt" button, you can simply call our support team at 800-601-0230 to have it turned off.

KP

Karen P.  
Office Manager  
Automotive  
Used the software for: 6-12 months

### "Love the way this system works. We use the computer to activate the terminal for customer use."

January 17, 2018

5.0

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.

Review Source

Response from PayJunction

August 28, 2018

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.

SH

Sean H.  
Backend Application Developer  
Computer Software  
Used the software for: 1-2 years

### "PayJunction Review from an Application Dev"

September 26, 2018

4.0

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.

Review Source

Response from PayJunction

November 26, 2018

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.

Charley C.  
Owner  
  
Used the software for: 6-12 months

### "Excellent...works seemlessly!"

January 16, 2018

5.0

Pros

I enjoy how it integrates with Sycle.net. The reports are easily accessible via their website. I also like how everything is stored on the cloud so you don't have to keep a paper copy.

Cons

I don't really have to much to say negatively about the software. It really works the way that it is supposed to.

Review Source

Response from PayJunction

May 22, 2018

Hi Charley, That's great that you're using our integration with Sycle.net to get more done with fewer products!

MW

Mahala W.  
Office Administrator/Manager  
  
Used the software for: 2+ years

### "I am very pleased with the user friendly website and the very helpful customer service, very helpful"

January 19, 2018

5.0

Pros

I like the ease of use with running cards and the user friendly website. It makes it a breeze to run transactions.

Cons

The only time we have had issues, was on registration days and the limit was exceeded. Thankfully, this was an easy fix by making a phone call to Payjunction.

Review Source

Response from PayJunction

August 28, 2018

Hi Mahala, We're glad you called into our technical support line for assistance. To increase your limits, simply follow the instructions noted here: https://support.payjunction.com/hc/en-us/articles/211053798-How-do-I-increase-my-processing-limits-

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