PayJunction

PayJunction is an independent payment processor based in Santa Barbara, California, founded in 2000 and still privately held. It built its reputation on paperless payments, keeping signatures, receipts and transaction history in the cloud instead of on paper, and it now serves medical and dental practices, auto repair shops, veterinary clinics, law firms and other appointment-based businesses. PayJunction runs its own terminal hardware, virtual terminal, mobile app, gateway and API rather than reselling someone else's stack.

Pricing and how it works

PayJunction publishes three plans. The Standard plan advertises card rates as low as 1.49% + $0.15 and ACH as low as 0.75%. The Enterprise plan is a custom quote: you submit recent statements and PayJunction offers to match or beat your effective rate. The Surcharge plan can take credit card cost to as low as 0% for the merchant by passing a compliant surcharge to the cardholder, with PIN debit and ACH still billed to the business. The gateway, virtual terminal and PCI compliance program are bundled into the rate rather than billed on top, and PayJunction advertises no PCI fee, no gateway fee, no monthly minimum and no cancellation fee. Independent reviews report that a monthly service fee of about $35 applies to accounts processing under roughly $10,000 a month. Service is month-to-month, so terminals can be returned and the account closed at any time. Deposits generally land one to three business days after a batch settles, with American Express taking three to five.

Who it is for

PayJunction suits US-based, low-risk businesses that take payments in person, over the phone and by emailed invoice or text-to-pay link, and that value predictable billing and human support over developer tooling. Its no-code browser extension, which adds card capture to vertical software that has no native payment integration, is a genuine differentiator for practices running niche practice management systems. It is a poor fit if you need multi-currency settlement, sell outside the United States, or operate in a high-risk category. PayJunction accepts foreign-issued cards but settles only in US dollars, and it does not underwrite high-risk merchants.