PayJunction Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Companies looking to continue accepting payments with Covid protocols in place.

Specializes in

Processing contactless payment across a wide range of businesses and merchant needs. They offer merchant accounts with low rates and month-to-month contracts to put their customers first.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: Interchange + 2.26%

Keyed-in Rate: Interchange + 2.55%

Early Termination Fee : None

Contract Terms:

Visit PayJunction

PayJunction has been in business since 2000.

They are located in Santa Barbara, CA.

Randy Modos is listed as the company CEO.

PayJunction Overview


Founded in 2000 with a family-first approach to business, PayJunction has managed to balance the professional with the personal and prides itself on putting customer longevity ahead of turning a fast buck.

They have worked for over twenty years to establish a reputation for honesty and customer care.

With Covid in mind, they promote contactless terminals and offer several options. They also work with Wells Fargo to provide merchant accounts to a wide range of low to mid-risk businesses.

They have received complaints through the years, but have managed to keep their total much lower than the industry average.

Quick Facts

Head Quarters

Santa Barbara, California

Year Founded



Randy Modos - President



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Gas Station
  • Healthcare
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

PayJunction Products & Services


Hardware and Software

PayJunction offers two terminals at the moment, both created in-house by their development team. Both terminals are specifically designed with Covid in mind. They provide contactless options and one terminal is for a curbside payment system.

The ZeroTouch terminal provides all the necessary information for customers with a minimal or no touch option to prevent any human contact that could spread Covid.

The Portable Terminal allows staff to carry a credit card terminal with them for curbside pickups. It appears from the website that staff can accept payment from several feet away. With this innovation, transactions can happen without breaking social distancing.

They also offer eCommerce gateways and mobile apps for merchants with online platforms or on-the-go businesses.

These forms of merchant activity seamlessly integrate with over eighty online shopping cart providers to give the merchant choices that will fit their individual needs.

Value-Added Services

PayJunction offers their clients paperless invoice options to help streamline customer billing. This helps keep everything organized and is better for the environment.

They also offer card on file and recurring billing for customers wanting to protect their health. With these options, the cardholder does not need to leave their vehicle to accept their products.

There appears to be analytics software to help streamline back-office processing, inventory, and paychecks.

Supported Payment Types and Services

The company accepts all major forms of credit card payment but provides ample opportunity for contactless payment.

American Express
Apple Pay
Google Pay
Samsung Pay
Contactless Pay
Android Pay
ACH Payment

PayJunction Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Check Guarantee
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

PayJunction Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

PayJunction Advertising & Sales

According to outside sources, PayJunction utilizes independent sales contractors to run the bulk of its marketing. They have received no complaints about any unethical sales tactics. This fits with their company’s reputation for customer-first approaches to business.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayJunction Pricing, Rates & Fees


There are different pricing levels for new and pre-existing businesses. They advertise an interchange + 0.75% + $0.07 rate for credit card transactions for new businesses.

The fine print states that transactions below a monthly threshold of $10,000 will have a $35 monthly fee.

Their basic rates appear to range from 0.80% to 2.55% depending on the type of transaction. They do not state whether this is a flat rate or an interchange-plus rate.

There are batch fees, but no early termination fees or monthly fees if you maintain a transaction threshold. Also lumped in with this is the statement that pricing is on a sliding scale that follows the monthly transaction total of the merchant.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

Interchange + 2.26%

Keyed-in Rate

Interchange + 2.55%

Mobile Payment Rate

Virtual Terminal Rate

Interchange + 1.80% + $0.10

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum

$35 (If <$10,000 is Processed Each Month)

Statement Fee


PayJunction Contract & Terms

The contract is advertised as being month to month with no early termination fees. They want to provide a quick option for merchants to compare their services side by side with their existing merchant account providers.

There appears to be little negotiation room with the provided options.

Some merchants can qualify for free equipment. There is mention of equipment leases on the company website. This could mean they are to be purchased outright or that they may hold onto merchants through lengthy leases.

Contract Length


Early Termination Fee


PayJunction Setup & Support


There is no reference to setup time on the website. However, it can be assumed that the equipment setup requires delivery time. Most likely, the merchant account will be underwritten before the equipment arrives.

If the merchant is using mobile or eCommerce gateways, the merchant account may be up and running in a matter of minutes.

Support appears to utilize the industry-standard email and phone. They also offer a FAQ section and there is an indication they use social media as a contact point.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

PayJunction Complaints, Ratings & Reviews

BBB Rating


The Better Business Bureau has an accredited account.

They have a 3.4/5 star rating from five reviews and three official complaints over the last three years.

Other Online Reviews

There are a few complaints outside of the Better Business Bureau. They look to pertain to technical issues with equipment.



A+ and has been Accredited since 2011. (2 Reviews; 2 Complaints)


.5 Stars / 21 Reviews


4.4 Stars. Based on the opinion of 29 people


No Reviews


Total Online Reviews


Total Online Complaints




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