PayJunction ACH Payment Processing

C tier on ACH Payment Processing SoftwareScore 6.2 · #5 of 21

Android app: Not listed
Free plan: No
Paid plans from: $0.75/mo
Runs on: api, Browser extension, iOS, Web

www2.payjunction.com

Summary

PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments. Merchants can recharge accounts with a click or arrange recurring payments, and the system can notify them about rejected transactions, update outdated information, and export failed-payment lists for follow-up. Customers can authorize an ACH payment and sign a digital receipt from a desktop or smartphone. PayJunction says signed authorization forms are kept for at least two years and merchants can receive next-day ACH funds. The ACH page says there is no monthly fee for processing ACH as often as needed. The service also offers an API, webhooks, browser-based integration, and a Zapier connection to more than 7,000 apps. The API supports ACH electronic-check transactions and requires TLS 1.2. PayJunction describes its encryption and PCI compliance. It is available through API, extension, iOS, and web. Standard and Surcharge each list a price of 0.75 USD per month billed month-to-month, with transaction rates listed separately. There is no free plan.

Who it is for

PayJunction ACH Payment Processing suits merchants that accept bank transfers and need recurring payments or follow-up tools for rejected transactions. Its digital authorization and integrations may also fit businesses connecting payment processing with existing software.

What is good

Supports one-time and recurring ACH payments.
Customers can sign from desktop or smartphone.
Signed authorization forms are retained for at least two years.
ACH processing has no monthly fee.
Offers API, webhooks, browser integration, and Zapier.

What to know first

There is no free plan.
Standard and Surcharge each list 0.75 USD per month.
ACH transaction rates are listed separately.

Verdict

PayJunction combines ACH processing with recurring payment and reject-management features. Review the listed monthly plan charge and transaction rates separately when assessing costs.

PayJunction ACH Payment Processing plans and pricing

All plans

Standard $0.75/mo Month-to-Month Service Card Rates: as low as 1.49% + $0.15 · ACH: as low as 0.75% payjunction.com · 1 Oct 2026

Surcharge $0.75/mo Month-to-Month Service Credit Cards: as low as 0%* · PIN Debit: Fees Apply · ACH: as low as 0.75% payjunction.com · 1 Oct 2026

Enterprise Not published Submit statements for competitive analysis payjunction.com · 1 Oct 2026

Compared on ACH payment processing software

Free plan: Nowww2.payjunction.com
Recurring ACH payments: Yeswww2.payjunction.com
ACH credit support: Yeswww2.payjunction.com
Payment links: Yeswww2.payjunction.com
API access: Yeswww2.payjunction.com
Webhook support: Yeswww2.payjunction.com

Facts

ACH processing: PayJunction stores and processes ACH payments for bank-to-bank transfers.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
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
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
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 encryption: PayJunction says its system encrypts ACH payments to protect customers.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
Zapier integration: PayJunction says its Zapier integration connects to over 7,000 apps, including Google Sheets and QuickBooks Online.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
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
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