# Page 3 | PayJunction Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - 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 # Page 3 - Reviews of PayJunction ## Showing most helpful reviews Showing 51-75 of 112 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use WA William A. President Used the software for: 2+ years ### "Good. " February 9, 2018 5.0 Pros It's easy to use and look up past transactions. Cons There are cheaper rates for credit card transactions. We have received many companies to offer same business at a cheaper price. Would be interested if someone could contact us and match or beat the competitor's prices! Review Source Response from PayJunction May 25, 2018 Hi William, We'll happily match rates with any competitors that provide a quote. If you receive a quote from a competitor, please forward the quote to us. We will crunch the numbers and will match rates if possible. In many cases, we actually find that the competitor will charge more with hidden fees and persuade you to switch with a lower per-transaction rate. If this is the case, we will provide a report that breaks down the quote and compares their pricing with your PayJunction account. Whitney R. Owner Used the software for: Less than 6 months ### "Easy enrollment process, good customer service & like the integration into our operating system." January 20, 2018 5.0 Less expense to us for the services we needed for credit card processing. Integration with Sycle for better reporting & tracking. Pros Love the integration in Sycle, efficency of posting payments, tracking payment methods, & assistance with insufficient fund issues with customers. Customer service has been pleasant to work with & helpful. Cons I don't care for the length of time it takes for funds to transfer for check payments. The refund process needs to be improved between it & Sycle. Review Source Response from PayJunction August 28, 2018 Hi Whitney, We're glad you're taking advantage of our integration with Sycle! Check payments are different than credit card payments as they take longer to get cleared by the bank. The bottom of this support article explains ACH processing: https://support.payjunction.com/hc/en-us/articles/212334728-How-do-I-process-an-ACH-transaction- RF Rita F. Practice Manager Used the software for: 2+ years ### "Pay Junction Customer Support is excellent" January 19, 2018 4.0 Pros Pretty easy to navigate. It usually is fast service for the patient and they like that it does not make noise like in the markets. Cons Sometimes the machine gets uplugged. It is perched on a counter top so it is easy for the patient to use. We have had techs from Pay Junction help us to correct that. Review Source Response from PayJunction August 28, 2018 Hi Rita, We're glad you made use of PayJunction's technical support team to resolve that issue. The plug on the Smart Terminal needs to lock in to prevent it from slipping out and losing power. There's an adapter that can be used when Smart Terminal is laid flat on the counter. Information about this is detailed here: https://support.payjunction.com/hc/en-us/articles/214938168-Smart-Terminal-Installation-and-Setup-VIDEO NC Nadia C. Owner Health, Wellness and Fitness Used the software for: 6-12 months ### "Quick payment options for small businesses " August 3, 2021 5.0 Very pleasant no big problems Pros It's very easy and can do recurring and analytics Cons Sometimes it freezes but rarely. Also one extra step if you want to fill customer info before you swipe Review Source MB Melissa B. Owner Retail Used the software for: 2+ years ### "Best Merchant Services Co that I have ever used." January 22, 2018 5.0 Super fast processing and great reporting. Pros Transactions are extremely fast, reporting is exceptional as is the customer service. I'm so glad I switched years ago, never looked back! Cons Sometimes the card machines will turn off and regenerate themselves, so we will enter the card manually. Review Source Response from PayJunction August 28, 2018 Hi Melissa, Thank you for sharing your experience on Capterra. When the Smart Terminal reboots itself, it's likely because the power cable isn't locked into the Smart Terminal. There are grooves that need to fit into the cable, and it needs to be twisted 90 degrees. For a visual to help with set up, visit this support article: https://support.payjunction.com/hc/en-us/articles/214938168-Smart-Terminal-Installation-and-Setup-VIDEO JW Jen W. Owner Used the software for: 1-2 years ### "Excellent" January 22, 2018 5.0 It simplifies running credit cards and E-checks. I have been really pleased with the whole experience. Pros What don't I like is more like it. This software makes running checks and credit cards so easy! Plus, I love how Pay Junction stores customers cards and information making it easy to run a card for recurring payments. Cons I really can't think of any Cons other than sometimes I have had one customer pay multiple times in a month and I have had to call Pay Junction for approval. Kind of a hassell if I am in a hurry but I can see the safety in it. Review Source Response from PayJunction August 28, 2018 Hi Jen, We're glad you've had a positive experience as a customer of ours! If you need your limits adjusted, you can follow the steps outlined here: https://support.payjunction.com/hc/en-us/articles/211053798-How-do-I-increase-my-processing-limits- RS ROGER S. Practice Manager Medical Practice Used the software for: Less than 6 months ### "We started using Payjunction once we switched our EHR to Modernizing Medicine. " January 18, 2018 5.0 As noted in my previous post, Payjunction is the easiest credit card processor I have ever used. The auto post feature along with not having to have paper or thermal paper receipts makes the experience so easy. Patients appreciate now getting an email receipt which that don't have to worry about losing. I have nothing but positive things to say about Payjunction. Pros I love Payjunction because it allows us to send receipts via email and to auto post our payments. this has greatly reduced errors in posting payment and speeded up the process of taking payments. Now other staff members can take payments without having to use the credit card machine. I would encourage everyone to consider switching there credit card processing vendor to Payjunction. One particular item I really appreciate not having to have is the credit card slips for patients to sign. They now sign in on the smart devi ce and rceive an email receipt. There is no need for the thermal paper receipts. We're saving money because of that. Review Source Response from PayJunction May 22, 2018 Hi Roger, We're so glad you've loved partnering with us! Thank you for the glowing review. JR Janet R. Billing and Collections Supervisor Medical Practice Used the software for: 2+ years ### "We have been using PayJunction since 2016 and find it very user friendly." January 22, 2018 5.0 Data is stored with patient details, making it faster to charge the card the next time you use it. Pros The recurring credit card function, as well as cancelling the transaction in the same day (before 7 pm). Cons When you use the "find" function, the site option does not default to the user, but rather where the card was last charged. This creates balancing issues between sites within the same company. Review Source Response from PayJunction August 28, 2018 Hi Janet, Thank you for this feedback. When searching for a user, it's best to use the search field "user" to find those transactions. Or you can add new batches. MF Maggie F. Owner Used the software for: 2+ years ### "Easy to use " January 17, 2018 5.0 Pros I like that it can be used from different computers and even on a mobile device if need be. I also like the ease of recharging accounts. Cons The monthly fees from the credit cards.. although this isn't the softwares fault. I guess I would like to see more reports on days and time of days we bring in the most money. Review Source Response from PayJunction May 22, 2018 Hi Maggie, You're exactly right when it comes to credit card fees. We never charge fake fees, a common practice in the industry, and only charge the Interchange rate + a small 0.75% markup. We'll take note of that report request! NR Nancy R. Patient Care Coordinator Medical Devices Used the software for: 1-2 years ### "User Friendly" September 30, 2018 5.0 Last year due to Hurricane Irma, our terminal was fried. Representative in customer service was extremely helpful and knowledgeable. We received a new terminal quickly and again he was extremely helpful in getting it set up. Pros PayJunction is easy to operate, user friendly, and reliable. Cons Not getting the authorization code for the transaction on the same screen but this could be due to the interface of our software with PayJunction. Review Source Response from PayJunction October 15, 2018 Hi Nancy, we're glad we could provide you with support during Hurricane Irma. The issue you noted about authorization codes sounds like it's an issue with an integrated provider. Please try calling them to troubleshoot this and feel free to call us as well if you cannot work out a solution. RS Robert S. Operate my own business--owner Health, Wellness and Fitness Used the software for: 2+ years ### "Pay Junction is very very good on service. First rate people who solve the issue." October 2, 2018 4.0 I am responsible for managing associations and we had to find a very good company at a good price point. We found Pay Junction and it fitted our needs very well. Pros I find it very easy to use and I am not a computer expert. Cons I have a difficult time finding the log out. The tab was removed. Review Source Response from PayJunction October 15, 2018 Hi Robert, thank you for your review! Please note that the tab was not removed. If the screen size is too large, you won't be able to view the "Account" button to logout. Simply double click on your browser to resize it to your screen. This should do the trick. AM Andrea M. Office Manager Medical Practice Used the software for: 1-2 years ### "Overall, has helped us be more efficient!" October 2, 2018 5.0 Efficiency and options for payments is our #1 improvement since selecting PayJunction. Our rep, has been an exceptional help from the beginning and even stops in to see if any help or improvements needed. Overall, very pleased with PayJunction! Pros The "recurring" option is fantastic! Has made transactions smoother for both office and patients. Cons Not really a complaint but would be nice to have daily transactions tallied on "new transaction" processing page. Review Source Response from PayJunction October 15, 2018 Hi Andrea, thank you for the review! We're glad that our recurring feature is so helpful to you. We recommend using the "Recent" page to see daily transactions. The "Daily Transaction" page is designed to merely provide a quick overview. KP Kathy P. Admin Assistant Used the software for: 2+ years ### "This has been great to use. Very happy" February 13, 2018 4.0 Pros This is very user friendly and if we experience any difficulties we just call and someone is very helpful to assist in problem solving. Everyone has been very supportive and is very helpful. The installation was very easy. Cons Sometimes there might a glitch in syncing with sycle but for the most part no real negative opinion. Review Source Response from PayJunction May 22, 2018 Hi Kathy, We're glad you've had a positive experience using our software and contacting support for assistance. BW Brian W. Controller Automotive Used the software for: 2+ years ### "PayJunction - so glad I changed companies" September 25, 2018 5.0 Customer Service and the install departments are top notch. I would highly recommend this company! Pros Ease of use .... looking up, re-printed, issuing credits all at your finger tips! Cons We would always like to pay less in fees Review Source Response from PayJunction October 15, 2018 Hi Brian, we're glad to hear that you find PayJunction so easy to use! Everyone loves to save money, which is why we don't charge our customers any unethical billing fees. That said, you may contact your sales rep to discuss your rates at any time. LF Liz F. Bookkeeper Medical Practice Used the software for: 2+ years ### "PayJunction review" September 25, 2018 5.0 We have used a number of different merchants and your interface/software has been the easiest. Great customer service also. Pros The way it is organized. Pretty easy to find what one is looking for and has all the functionality we require. Cons The screens are a little too white-washed. Review Source Response from PayJunction October 15, 2018 Hi Liz, thank you for your review! You may need to simply adjust your monitor's brightness if the screen seems too white-washed. If that doesn't do the trick, feel free to call us. JS Jennifer S. Controller Retail Used the software for: 1-2 years ### "Overall we are very pleased with the software." May 15, 2018 4.0 Pros The ease of use of the program is great. My staff is very pleased with the ability to refund right from the transaction. Cons When we signed up there was a mobile app ad that was one of the main reasons we switched companies. The mobile app was taken down before we could even use it and still not available. very disappointed. Review Source Response from PayJunction May 23, 2018 Hi Jennifer, Thank you for your review of PayJunction! The mobile app is now in the Apple App Store, we apologize for the delay. If you have an iOS device, you can download it now. We will enable email receipts by next month, with more functionality to come. Steve J. Marketing Manager Marketing and Advertising Used the software for: 1-2 years ### "An Affordable Pay option" July 30, 2019 5.0 Pros We have clients that want to accept payments on their websites, whether it's for future or past services (so not e-commerce) and had been looking for the most affordable way to do so. PayJunction seems to be the most affordable in this arena. Cons The UI wasn't as customizable as we wanted, especially for the buttons they provide. Review Source TC Tracy C. Practice Manager Medical Practice Used the software for: 1-2 years ### "Payjunction" September 25, 2018 5.0 I enjoy the ease of not having a manual credit card machine in the office Pros I like the use of online transactions. It is very easy to work with pay junction Cons No problems at this time. The cost, but I am sure it is the same with most companies Review Source Response from PayJunction October 15, 2018 Hi Tracy, thank you for the review. You are welcome to contact your sales rep to discuss your bill at any time. CL Cyndi L. Office Manager Automotive Used the software for: 1-2 years ### "PayJunction has made our credit card processing and deposits easier than ever!" January 17, 2018 5.0 Easy to use. Less paper and no more paper storage. Great customer support. Pros No more little credit card slips and boxes of receipts to store! The time it takes to make the deposits everyday is less than half the time it took on our old system. Review Source Response from PayJunction May 22, 2018 Hi Cyndi, We're glad to hear that going paperless has been a positive experience for you! GP Gerardo P. F&I Director Used the software for: 2+ years ### "Using PayJunction is quick and very user friendly!" January 19, 2018 5.0 Pros Not much training required, excellent user interface makes using it quick and easy! Can easy void and cancel transactions and pull any needed reports. Cons The only drawback is that the terminal is a little bulky, but other than that I do not see any drawbacks Review Source Response from PayJunction May 22, 2018 Hi Gerardo, We're glad to hear our system has been helpful for your business and easy to use! MS MARILYN S. Accounts Payable Automotive Used the software for: 2+ years ### "Functions as designed - great customer support when we have unique situations requiring human supprt" January 17, 2018 5.0 Pros WHAT I APPRECIATE MOST OF ALL IS THE EASE OF USE. THE NEW VERSION MAKES IT RELATIVELY EASY TO FIND WHAT YOU NEED. Cons WHEN PRINTING SETTLED BATCHES, CAN NO LONGER SORT BY DOLLAR AMOUNT. LOST THAT ABILITY IN YOUR NEW VERSION. Review Source Response from PayJunction August 28, 2018 Hi Marilyn, This issue has been brought to our engineering team's attention. Thank you for sharing this feedback! BB Brian B. President Used the software for: 2+ years ### "Nice solution for small or large companies" May 12, 2018 4.0 Very easy to use and integrate with most shopping carts. Pros Very easy to use with many features such as recurring billing for subscriptions. Customer support was awesome! Cons Be sure that your online store shopping cart is compatible with their platform and can integrate with their API features. Review Source Response from PayJunction August 28, 2018 Hi Brian, Thanks for sharing your thoughts on PayJunction with readers on Capterra! We are willing to integrate with aligned businesses as long as they are willing to integrate with us. We provide API credentials to assist with integration. PR Pam R. Regional Billing Analyst Medical Practice Used the software for: 2+ years ### "Medical Office Super User" September 28, 2018 4.0 Pros I really like how easy it is to set up recurring payments. Cons I sometimes have a hard time finding reports that I would like. Review Source Response from PayJunction October 15, 2018 Hi Pam, thank you for taking the time to leave a review. We'd love to help you find the reports you need, but need a bit more information about what you're looking for. Feel free to call us at 800-601-0230 for assistance. KB Kate B. PCC Used the software for: 6-12 months ### "I use PayJunction for daily transactions in our practice and have found it to be easy and efficient." January 17, 2018 4.0 Ease of use. Pros Ease of use for patients and myself. I have found it much more user friendly than the previous system we were using prior to this. Cons No complaints. I have had no difficulty using the software, other than occasionally requiring refresh or hard reboot of the terminal if there has been a power outage. Review Source Response from PayJunction August 28, 2018 Hi Kate, We're glad your use of our system has been relatively seamless thus far! Our Smart Terminals should be treated like computers. If a computer loses power or is left idle for too long, it needs to be rebooted. You can learn more about this here: https://support.payjunction.com/hc/en-us/articles/115000186873-Our-Smart-Terminal-is-not-responding IS Indu S. Executive Finance manager Hospital & Health Care Used the software for: 2+ years ### "Easy " September 25, 2018 5.0 It's been good and satisfied. Pros Easy to use and integrates with other softwares. Menu driven Cons Reports. Customization of CSV reports not possible . Review Source Response from PayJunction October 15, 2018 Hi Indu, thank you for your review! When you are trying to export custom fields, you cannot use a CSV format. We're sorry that there isn't a direct workaround for this at this time. Similar Products Featured