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PayJunction Review

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PayJunction Review

  • 12 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

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Date Established
2000
Location
Santa Barbara, CA
Jason Vissers

Jason Vissers

Jason Vissers is a writer and cereal chef from San Diego. He graduated with a Political Science degree from San Diego State University in 2001. He's been writing about website builders, crowdfunding sites, online lenders, and credit cards for Merchant Maverick since 2015. Additionally, Jason can't eat raisins.
Jason Vissers



We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

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12 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Rebecca

    Organization Name: Red Bridge Photography, LLC

    I have 4 payments since 3/25/20 that have not been paid out and they didn’t tell me until today when I called that there was a reserve security deposit of $1500 placed on my account and I wouldn’t be paid out the money that clients had paid me until a date that THEY determine. In this current climate with small businesses, we need access to every bit of our funds to keep our business afloat and they are making interest off of MY money. There is a procedure for “review” of this flag, but they are not guaranteeing successful passing of it.

    If you are going to do something like this to businesses when the economy is already in the toilet, at least let them know so they can make other arrangements for payments from clients. EVERY transaction matters right now.

    • Organization Name: Red Bridge Photography, LLC
    RANDY WALKER

    Organization Name: TILE CONTRACTORS SUPPLY CO

    We’ve been a very happy Payjunction merchant for 8 years. We are a retail/wholesale tile distributor. Our total MCV volume > $6M in 2018 & 2019. Rarely do we have disputes and/or chargebacks. In 2019, we had 2 chargebacks totalling $5,250, .08% of our total volume. Unexpectedly, we had a request for terms and conditions of sales and subsequently a phone call with their risk management department at 4:00PM on 3/31. At 4:45pm on the same day, we were told that a $56,500 reserve deposit is immediatlely placed on our account. The next day, after a lengthy phone discussion we were told that this was due to credit card association directives and we had no recourse. If we decided to terminate then we would not get our $56,500 back any sooner than 180 days. In this unprecedented economic environment, it’s baffling why a credit card processor would take steps to damage their merchant customer base.

    1
    • Organization Name: TILE CONTRACTORS SUPPLY CO
    Liz

    Organization Name: Mishka Productions

    Hi There!

    We are having the SAME ISSUE with PayJunction. We have been with them for 11 years! Something is NOT right and they are withholding funds based on their “directive” that we are a live events company! Please contact me and perhaps we can take action against them together. My email is: Liz@MishkaProductions.com

    • Organization Name: Mishka Productions
    Heath Sagon

    Organization Name: Sagon Trucks and Equipment.

    DO NOT DO BUSINESS WITH PAYJUNCTION! My company rents equipment and we have been with Payjunction for 15 months. We have never had a charge back on a credit card deposit charge for a piece of equipment. These equipment charges are in the thousands. They are now holding my last two credit card deposit charges and are using them to run their accounts because other vendors have charge backs due to the virus. Instead of giving me MY money they are holding it up giving me excuses every day why they can’t give it to me. They obviouly don’t have the funds to manage their company during a down turn in the economy. Find another Processor!

    1
    • Organization Name: Sagon Trucks and Equipment.

    We've done in-depth research on each and confidently recommend them.

    TJ Snyder

    Organization Name: Beach Photography

    Do not believe any of these reviews about Pay Junction, it is horrible. Rates are too high, customer service sucks! They will not defend you if someone commits chargeback fraud. I just gave away a free wedding because they disputed the charge! Did Payjunction help? No!!

    1
    • Organization Name: Beach Photography

    This comment refers to an earlier version of this review and may be outdated.

    Karen DiJulio

    I rated Payjunction in conjunction with Card Payment Solutions, who does their billing for my company. It is probably CPS who is the rip-off but Payjunction is their partner. I rate CPS a no star. Payjunction is mostly guilty by association.

      This comment refers to an earlier version of this review and may be outdated.

      Karen DiJulio

      I don’t care how well things run, that is a given. But getting hit with high extra fees for corporate and other unknown special cards which bites the profit out of your sale, with no explanations. When they charge you an extra yearly fee for $179.00 with no real explanation and claiming it is coverage for the year before! Saying it is in your contract when you aren’t on contract. When each person you talk to has different odd explanations for the charge. Other than you can’t get it back. They claim some of it is for PCI compliancy, after you pass all their frustrating tests with big fines if you don’t get it done in time, some is for the cost for them to report all your earnings to the government and most is for high coverage which they are most proud of which is meaningless to me. Just a rip-off fee. When I finally get them to print me off what that charge is for, it is going straight to the Attorney General’s office in CO and CA.

      1

        This comment refers to an earlier version of this review and may be outdated.

        victor cheng

        I definitely give them a perfect score. Great technology. Interface is smooth and easy to use. Wonderful customer service that is knowledgeable and quick to respond to all your questions. The smart terminal is very convenient. It had saved me so much time. My only complain would be that they don’t work with my POS so I have to entry the amount each time. Otherwise they offer a superior credit card processing service, better technology, excellent customer service at a super competitive price.

        5

          This comment refers to an earlier version of this review and may be outdated.

          Ron Mccormick

          While they didn’t meet my needs due to our business model, I can’t say enough about their level of professionalism and honesty during our conversation. Heck, they even recommended that I go with another provider when I told them what I was offered. Worth a good look for sure I think.

          5

            This comment refers to an earlier version of this review and may be outdated.

            Stan

            Are they EMV compatible?

              This comment refers to an earlier version of this review and may be outdated.

              Amad Ebrahimi

              Stan,

              EMV enabled hardware and software will be released by Payjunction this summer.

              Best,
              Amad

                This comment refers to an earlier version of this review and may be outdated.

                Alex Cepeda

                Payjunction is 100% EMV complaint, offering a new 4 in 1 Smart Terminal that provides many payments options, including ACH checks, Swipe or Chip Card functions, NFC-ready phones, and even the Apple Watch. This new EMV-ready terminal reduces the liability potential of fraudulent transactions and is up to date on all payment-processing requirements.

                  This comment refers to an earlier version of this review and may be outdated.

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                Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                We Highly Recommend PayJunction 🏆

                PayJunction is one of our top picks for credit card processing!

                We love PayJunction's predictable pricing and excellent service.

                Their standard offer has no early termination fee and no junk fees. 👍

                Learn More At PayJunction

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