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PayJunction Virtual Terminal
What PayJunction Virtual Terminal is
PayJunction Virtual Terminal is a browser-based platform for payment access, invoices, reconciliation, and reporting. Businesses can send electronic invoices by email or text, while customers pay through a hosted form on their own device. Approved invoices are marked paid in the terminal, and electronic receipts go to both parties. Customer records support card updates, refunds, transaction history, and recurring payment schedules. After authorization, recurring card and ACH payments can run on a chosen schedule. PayJunction offers a Chrome extension for no-code SaaS integration and a REST API for payment integrations. The service is month to month, with no long-term contracts or cancellation fees, though additional fees may apply. Standard card rates are as low as 1.49% + $0.15, and ACH is as low as 0.75%. Surcharge eligibility excludes debit cards, ACH, refunds, and some sales taxes.
Who it suits
PayJunction suits businesses managing browser-based invoicing, card or bank payments, recurring billing, and customer records. It also fits SaaS products needing extension or API integrations.
What it does well
- Electronic invoices by email or text
- Recurring card and ACH payments
- Refunds and customer records
- Chrome extension and REST API
- Month-to-month service
What to know first
- No free plan
- Additional fees may apply
- Surcharge option has eligibility exclusions
- Single currency support
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Standard | Card Rates: as low as 1.49% + $0.15; ACH: as low as 0.75% · Additional fees may apply | On request |
| Surcharge | Credit Cards: as low as 0%*; PIN Debit: Fees Apply; ACH: as low as 0.75% · Surcharge eligibility exclusions apply; additional fees may apply | On request |
| Enterprise | Custom: Submit Statements · Submit statements for a competitive rate analysis | On request |
As payjunction.com lists them, read 30 Sept 2026. The maker's own page has the final word.
Verdict
PayJunction brings invoicing, recurring payments, customer records, and integrations into a browser-based terminal. Review the listed rates and surcharge exclusions before selecting a plan.
Facts from PayJunction Virtual Terminal's own pages
- Browser access
- PayJunction says invoices can be managed by logging in from any browser-connected device. · payjunction.com, 30 Sept 2026
- Company
- PayJunction says it has operated since 2000 and lists its headquarters at 1903 State Street, Santa Barbara, California 93101. · payjunction.com, 30 Sept 2026
- Customer records
- The Virtual Terminal’s Customers feature stores customer details and supports card updates, refunds, transaction history and recurring payment schedules. · support.payjunction.com, 30 Sept 2026
- Founded
- 2000 · payjunction.com, 28 Sept 2026
- Headquarters
- 1903 State Street, Santa Barbara, CA 93101, United States · payjunction.com, 28 Sept 2026
- Integrations
- PayJunction offers a no-code integration for SaaS applications through a Chrome browser extension and also provides a REST API for payment integrations. · payjunction.com, 30 Sept 2026
- Invoice tracking
- Approved invoices show as paid in the Virtual Terminal, and electronic receipts are sent to the business and customer. · payjunction.com, 30 Sept 2026
- Notable limits
- PayJunction states that debit cards, ACH, refunds and some sales taxes are not eligible for its surcharge option. · payjunction.com, 30 Sept 2026
- Pricing terms
- The pricing page says service is month to month, has no long-term contracts or cancellation fees, and may have additional fees. · payjunction.com, 30 Sept 2026
- Product
- PayJunction describes its Virtual Terminal as a browser-based platform for real-time access, faster payments, reconciliation and reporting. · payjunction.com, 30 Sept 2026
- Recurring billing
- PayJunction says its Virtual Terminal supports recurring card and ACH payments on a chosen schedule after setup and customer authorization. · blog.payjunction.com, 30 Sept 2026
- Remote invoices
- Businesses can create and send electronic invoices by email or text, and customers pay through a hosted form on their own device. · payjunction.com, 30 Sept 2026
- Security
- PayJunction states that it is Level 1 PCI compliant and uses TLS 1.2 with 256-bit encryption for processing. · support.payjunction.com, 30 Sept 2026
- Support
- PayJunction lists phone support at 800-601-0230, extension 3, and accepts support requests through its help center. · support.payjunction.com, 30 Sept 2026
Where PayJunction Virtual Terminal stands on Freedom251
- Virtual Terminal Software#18 of 28
- Payment Processing Software#54 of 71