PayJunction ACH Payment Processing
PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments.
What PayJunction ACH Payment Processing is
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accounts with a click or arrange recurring payments, and the system can notify them about rejected transactions, update outdated information, and export failed-payment lists for follow-up.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 a month billed month-to-month, with transaction rates listed separately. There is no free plan.
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.
Watch out
- There is no free plan.
- Standard and Surcharge each list $0.75 a month.
- ACH transaction rates are listed separately.
Who it suits
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.
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.
Plans and prices
From PayJunction ACH Payment Processing's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Standard | $0.75 a month | Card Rates: as low as 1.49% + $0.15 · ACH: as low as 0.75% · Month-to-Month Service |
| Surcharge | $0.75 a month | Credit Cards: as low as 0%* · PIN Debit: Fees Apply · ACH: as low as 0.75% · Month-to-Month Service |
| Enterprise | Priced on request | Submit statements for competitive analysis |
The facts
Each one read from PayJunction ACH Payment Processing's own pages, with the date it was checked.
What it does
- ACH encryption
- PayJunction says its system encrypts ACH payments to protect customers.checked 1 Oct 2026
- ACH funding
- The ACH page says merchants can receive next-day funds like credit or debit card payments.checked 1 Oct 2026
- ACH monthly fees
- The ACH page says merchants can process ACH as often as they like without owing a monthly fee.checked 1 Oct 2026
- ACH processing
- PayJunction stores and processes ACH payments for bank-to-bank transfers.checked 1 Oct 2026
- ACH rejects
- The system notifies users about ACH rejects, updates outdated information, and exports failed-payment lists for follow-up.checked 1 Oct 2026
- API support
- The PayJunction API documentation includes POST /transactions for processing ACH electronic-check transactions and requires TLS 1.2 support.checked 1 Oct 2026
- Authorization retention
- PayJunction automatically stores signed ACH authorization forms for a minimum of two years.checked 1 Oct 2026
- Digital authorization
- PayJunction emails a digital receipt so customers can authorize ACH payments and sign from a desktop or smartphone.checked 1 Oct 2026
- Mobile access
- The PayJunction mobile app is available on iPhone and iPad, is free, and requires an existing PayJunction customer account.checked 1 Oct 2026
- Recurring ACH
- Users can process ACH payments with a click to recharge accounts or set up recurring payments.checked 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.checked 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.checked 1 Oct 2026
- Zapier integration
- PayJunction says its Zapier integration connects to over 7,000 apps, including Google Sheets and QuickBooks Online.checked 1 Oct 2026
Where it runs
- Browser integration
- The No-code Payments Integration interacts in real time with dealer management systems and browser-based software, automating data entry and updates.checked 1 Oct 2026
The company
- Founded
- 2000checked 28 Sep 2026
- Headquarters
- 1903 State Street, Santa Barbara, CA 93101, USAchecked 28 Sep 2026
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