PayJunction Review

With the virtual terminal, cards can be keyed or swiped with a card reader. PayJunction offers a secure web-based payment system that can be accessed from any computer with an internet connection and web browser. PayJunction supports processing foreign credit cards, but cannot support international currencies. Payments must be quoted and processed in US dollars. In addition to accepting payments, merchants can process refunds and voids. Merchants have the ability to print or email receipts to customers.

PayJunction offers a hosted shopping cart with secure checkout, allowing merchants to get set up quickly to accept payments via the internet. For merchants who prefer existing shopping carts, PayJunction supports many popular carts, including Shopify, Magento, 3D cart, and more. For merchants who prefer to build their entire solution from scratch, PayJunction provides API resources for developers.

Merchants who need to process payments on a recurring basis for customers can set up the PayJunction recurring billing option. Once an account is set up for recurring billing, PayJunction handles the rest, ensuring easy billing for goods and services offered on a set schedule. Merchants receive a report via email when recurring transactions are processed for convenient business management and tracking.

Additionally, merchants can take advantage of PayJunction’s secure account storage to safely store customer account information and card numbers. By using PayJunction for card storage, merchants reduce their own business liability related to storing cards.

For businesses with multiple employees who need access to payment processing, PayJunction supports an unlimited number of users. Owners can set permissions for each user, limiting employees to only the functions they need for their job duties.

Peripherals such as card readers and signature-capture devices enhance the robust functionality of the PayJunction system. Additionally, merchants can opt for email signatures for card-not-present transactions using a remote signature capture option. Capturing signatures for card-not-present transactions helps provide protection to merchants against chargebacks.

The PayJunction gateway requires a PayJunction merchant account. Merchant accounts are offered with month-to-month terms. Funds are generally deposited into merchant accounts in one business day.

Security
PayJunction is a Level 1 PCI-compliant provider, offering industry-standard security for businesses. PayJunction also complies with HIPPA regulations.

Features
PayJunction provides many standard features for secure and convenient payments, including hosted shopping carts, reporting, API resources for developers, fraud management tools, and optional peripherals to increase functionality of virtual terminals.

Hosted payments page
To get set up quickly for accepting ecommerce payments, PayJunction offers a hosted shopping cart. Alternately, merchants can connect to third party shopping carts.

Reporting
PayJunction provides a range of reports for managing business. Merchants have the option to search transactions, examine recurring payments, track bank deposits, manage declined transactions, and more.

API resources
PayJunction offers a developer center, including API documentation, API updates, PCI coding standards, and more. Tutorials are available for a number of APIs, and a test server is available for testing before going live.

Fraud management
To help prevent fraud, PayJunction offers basic fraud management tools including Address Verification (AVS) and CVV. Address Verification is used to confirm that the address given by a customer is the same as the address on file with the credit card company of the card being used. CVV is used to verify the three-digit security code on a credit card, ensuring that the card is physically in the presence of the person using the card.

Peripherals
PayJunction supports peripherals that increase the convenience and functionality of your payment systems, including card readers and electronic signature capture equipment. The PayJunction USB signature-capture device is a plug-and-play style peripheral that installs quickly, allowing merchants to capture signatures electronically and eliminate signed paper receipts. Peripherals are offered for free to qualifying merchants who process over $10,000 per month.