Best for
Merchants that may be interested in offering their customers a cash discount program to offset their payment processing fees, or that would like several options to choose from regarding rate structure.
Specializes in
Journey Business Solutions specializes in offering merchants a cash discount program to lower or even eliminate their payment processing fees. This company also specializes in providing several options for POS platforms.
Pricing Summary
Setup Fee: $95
Monthly Fee: $25
Swipe Rate: Merchants that use Authorize.Net for in-store payments will be charged 2.90% + $0.30 per transaction.
Keyed-in Rate: Unknown
Early Termination Fee : Depends on contract
Contract Terms:
Journey Business Solutions is a merchant account provider and payment processor that is located in Fort Worth, Texas.
This company does not publicly disclose the year it was founded, but it has four founders - David Hawthorne, Kevin Kelly, Rick Roland, and Joshua Vasquez.
Ben Brown is the CEO and President of Journey Business Solutions.
Journey Business Solutions is headquartered in Fort Worth, Texas, and according to its website, it serves more than 3,000 merchants and has processed more than $1 billion in transactions. It is possible that this company is a DBA of PayPro Tec, which relies upon First Data for processing solutions.
Journey Business Solutions has several offices, including offices in Beaumont, Houston, San Antonio, Portland, and Rio Grande Valley. The company’s president and CEO is Ben Brown.
This company offers many options for merchants in need of payment processing services, including POS systems, smart terminals, and support for ecommerce merchants.
Head Quarters
600 E Las Colinas Blvd Suite 560, Irving, TX 75039, USA
Year Founded
2017
CEO
Ben Brown
Employees
51-200
Merchant Provider Risk Tolerance
Offers a cash discount program to offset fees.
Several rate structure options are available.
Offers multiple point of sale programs.
A variety of payment processing products and equipment are offered.
Provides other services such as ATM placement, working capital and payroll support.
Early termination fee depends on the contract terms.
Works with low risk businesses.
Only serves online sellers.
Works with independent resellers.
Separate contracts may be used depending on items purchased.
Hardware & Software
Journey Business Solutions can provide merchants with a wide variety of payment processing options, including the following equipment:
The Clover Station
HotSauce
Paradise POS
Mynt POS
Reef POS
Greta POS
Clover Flex, Clover Mini, and Clover Go
PayAnywhere
For merchants in need of payment processing through a payment gateway, Journey Business Solutions offers JBSePay, which can provide online and mobile payment processing services, as well as shopping cart integration.
Value-Added Services
Journey Business Solutions can provide merchants with many value-added services, including:
ATM placement, maintenance, and repair services
Working capital in the form of business loans, credit cards, and capital advances
Payroll support services
Journey Business Solutions can provide merchants with many digital marketing solutions, such as:
Video production
Website design services
Graphic design services
Reputation management
Search engine optimization
Social media marketing
Google ads
Magellan
Reviewtube Insights
Supported Payment Types & Services
Because Journey Business Solutions offers so many options for payment processing, merchants may be able to accept the following forms of payment (depending on the type of equipment they have):
Payments made with all four major credit cards
Debit card payments
ACH payments
Check and electronic check payments
Mobile wallet payments
EMV card payments
QR code and contactless payments
MOTO payments
Diners Club
China UnionPay and JCB
Discloses All Important Terms
Mostly
Public Pricing Available
Yes
Because Journey Business Solutions is a DBA of PayPro Tec, the following most likely applies to this company’s prices and fees:
Setup fee - $95
Annual fee - $79
Monthly minimum fee - $25
Monthly basic service fee - $10
Payment gateway fee - $25 per month
Merchants that use Authorize.Net for in-store payments will be charged 2.90% + $0.30 per transaction.
Journey Business Solutions also works with high-risk merchants, including CBD, hemp, and online tobacco businesses, which may incur higher transaction fees than standard-risk merchants.
A cash discount program is also available, which can offset merchant transaction fees up to 100%.
Pricing Model
Unknown
Swiped Rate
Merchants that use Authorize.Net for in-store payments will be charged 2.90% + $0.30 per transaction.
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Unknown
Monthly Fee
$25
Payment Gateway Fee
Unknown
Batch Fee
Unknown
Early Termination Fee
Depends on contract
PCI Compliance Fee
Unknown
Equipment Lease Terms
Unknown
Address Verification Service (AVS)
Unknown
Application Fee
Unknown
Account Setup Fee
$95
Gateway Setup Fee
$25 per month
Annual Fee
$79
Monthly Minimum
$25
Statement Fee
Unknown
It is not completely clear what type of contracts are offered to Journey Business Solutions’ merchant customers. It is safe to assume that contract terms are variable, based on a business’ risk level, size, monthly volume, and payment processing history.
Merchants may also receive a contract for equipment leases as well, which may be separate from the one they receive for payment processing solutions. These contracts have different terms, and may not be cancelable.
Contract Length
Variable
Early Termination Fee
Depends on contract
Journey Business Solutions does not indicate how long it might take for merchants to get approved for their accounts or go through the underwriting process. Typically, this can take up to 72 hours, but it could take as long as 10 days for high-risk merchants.
Journey Business Solutions lists a phone number for each of its offices, and there is also a way for merchants to contact the company directly through the website.
BBB Rating
Journey Business Solution does not have a profile with the Better Business Bureau. However, PayPro Tec does, and has been accredited with the BBB since 2008. That company currently has an A+ rating.
Other Online Reviews
There is only one other review online for Journey Business Solutions outside of the reviews that appear on the company website. It was left on the company’s Yelp profile, and has since been deleted.
BBB
N/A
4.8 Stars / 21 Reviews
5 out of 5 Based on the opinion of 23 people
Yelp
5 Stars / 1 Reviews
Total Online Reviews
50+
Total Online Complaints
Unknown
Lawsuits
Unknown
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks