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PayJunction ACH Payment Processing
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What PayJunction ACH Payment Processing is
PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers. Merchants can handle individual payments, recharge accounts, or set up recurring payments. The system can notify users about rejected ACH transactions, update outdated information, and export failed-payment lists for follow-up. Customers can authorize payments and sign a digital receipt from a desktop or smartphone, while signed authorization forms are stored for at least two years. PayJunction says merchants can receive next-day ACH funds and process payments as often as they like without a monthly ACH processing fee. The service lists API access, webhooks, browser-based integration, and a Zapier connection to more than 7,000 apps. Its API supports ACH electronic-check transactions and requires TLS 1.2. The listed platforms are API, extension, iOS, and web. Standard and Surcharge each list a charge of $0.75 a month, billed month-to-month, with transaction rates listed separately. There is no free plan.
Who it suits
It suits merchants who need ACH transfers, including recurring payments, and want digital authorization and failed-payment follow-up. It also fits teams seeking API or browser-based connections, provided they account for the listed monthly charge and transaction rates.
What it does well
- Supports recurring ACH payments.
- Customers can sign digital authorizations by desktop or smartphone.
- Exports failed-payment lists for follow-up.
- API supports ACH electronic-check transactions.
- Zapier integration connects to over 7,000 apps.
What to know first
- No free plan is listed.
- Standard and Surcharge each cost $0.75 a month.
- API requires TLS 1.2 support.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Standard | Month-to-Month Service · Card Rates: as low as 1.49% + $0.15 · ACH: as low as 0.75% | $0.75 a month |
| Surcharge | Month-to-Month Service · Credit Cards: as low as 0%* · PIN Debit: Fees Apply · ACH: as low as 0.75% | $0.75 a month |
| Enterprise | Submit statements for competitive analysis | On request |
As www2.payjunction.com lists them, read 1 Oct 2026. The maker's own page has the final word.
Verdict
PayJunction combines recurring ACH processing with authorization handling and payment-rejection follow-up. Review the monthly plan charge and separately listed transaction rates when considering its costs.
Facts from PayJunction ACH Payment Processing's own pages
- ACH encryption
- PayJunction says its system encrypts ACH payments to protect customers. · payjunction.com, 1 Oct 2026
- ACH funding
- The ACH page says merchants can receive next-day funds like credit or debit card payments. · payjunction.com, 1 Oct 2026
- ACH monthly fees
- The ACH page says merchants can process ACH as often as they like without owing a monthly fee. · payjunction.com, 1 Oct 2026
- ACH processing
- PayJunction stores and processes ACH payments for bank-to-bank transfers. · payjunction.com, 1 Oct 2026
- ACH rejects
- The system notifies users about ACH rejects, updates outdated information, and exports failed-payment lists for follow-up. · payjunction.com, 1 Oct 2026
- API support
- The PayJunction API documentation includes POST /transactions for processing ACH electronic-check transactions and requires TLS 1.2 support. · developer.payjunction.com, 1 Oct 2026
- Authorization retention
- PayJunction automatically stores signed ACH authorization forms for a minimum of two years. · support.payjunction.com, 1 Oct 2026
- Browser integration
- The No-code Payments Integration interacts in real time with dealer management systems and browser-based software, automating data entry and updates. · payjunction.com, 1 Oct 2026
- Digital authorization
- PayJunction emails a digital receipt so customers can authorize ACH payments and sign from a desktop or smartphone. · payjunction.com, 1 Oct 2026
- Founded
- 2000 · www2.payjunction.com, 28 Sept 2026
- Headquarters
- 1903 State Street, Santa Barbara, CA 93101, USA · www2.payjunction.com, 28 Sept 2026
- Mobile access
- The PayJunction mobile app is available on iPhone and iPad, is free, and requires an existing PayJunction customer account. · support.payjunction.com, 1 Oct 2026
- Recurring ACH
- Users can process ACH payments with a click to recharge accounts or set up recurring payments. · payjunction.com, 1 Oct 2026
- Security compliance
- PayJunction says it uses TLS 1.2 with 256-bit encryption and is Level 1 PCI compliant, independently audited each year. · support.payjunction.com, 1 Oct 2026
- Support terms
- PayJunction advertises U.S. support in under 60 seconds, no exit fees or long-term contracts, and free PCI compliance tools. · payjunction.com, 1 Oct 2026
- Zapier integration
- PayJunction says its Zapier integration connects to over 7,000 apps, including Google Sheets and QuickBooks Online. · payjunction.com, 1 Oct 2026
Where PayJunction ACH Payment Processing stands on Freedom251
- ACH Payment Processing Software#13 of 21