PayJunction Virtual Terminal
PayJunction Virtual Terminal is a browser-based platform for businesses to access payment activity, manage invoices, and handle reconciliation and reporting.
What PayJunction Virtual Terminal is
PayJunction Virtual Terminal is a browser-based platform for businesses to access payment activity, manage invoices, and handle reconciliation and reporting. Businesses can send electronic invoices by email or text; customers pay through a hosted form on their own device. Approved invoices appear as paid in the terminal, and electronic receipts go to both the business and customer. Its Customers feature stores customer details and supports card updates, refunds, transaction histories, and recurring payment schedules. After setup and customer authorization, recurring card and ACH payments can run on a chosen schedule. PayJunction offers a no-code SaaS integration through a Chrome browser extension and a REST API for payment integrations. Invoices can be managed from any browser-connected device. The company says it is Level 1 PCI compliant and uses TLS 1.2 with 256-bit encryption for processing. Service is month to month, with no long-term contracts or cancellation fees, though additional fees may apply. Listed card rates start at 1.49% + $0.15, ACH at 0.75%, and surcharge exclusions apply.
Good
- Invoices can be sent by email or text.
- Recurring card and ACH payments are supported.
- Customer records include transaction history and refunds.
- Offers a Chrome extension and REST API.
- Month-to-month service has no cancellation fees.
Watch out
- Additional fees may apply.
- Some payments and taxes are ineligible for surcharges.
- Currency support is single currency.
- No free plan is available.
Who it suits
PayJunction Virtual Terminal suits businesses that need browser-based invoicing, card and bank payments, refunds, or recurring billing. It may also fit SaaS applications seeking a Chrome-extension integration or REST API.
Verdict
PayJunction Virtual Terminal combines invoice workflows, customer records, recurring payments, and integration options. Review the listed rates and surcharge exclusions, since additional fees may apply.
Plans and prices
From PayJunction Virtual Terminal's own pricing page, checked 30 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Enterprise | Priced on request | Submit statements for a competitive rate analysis · Custom: Submit Statements |
| Standard | Priced on request | Additional fees may apply · Card Rates: as low as 1.49% + $0.15; ACH: as low as 0.75% |
| Surcharge | Priced on request | Surcharge eligibility exclusions apply; additional fees may apply · Credit Cards: as low as 0%*; PIN Debit: Fees Apply; ACH: as low as 0.75% |
The facts
Each one read from PayJunction Virtual Terminal's own pages, with the date it was checked.
Where it runs
- Browser access
- PayJunction says invoices can be managed by logging in from any browser-connected device.checked 30 Sep 2026
The company
- Company
- PayJunction says it has operated since 2000 and lists its headquarters at 1903 State Street, Santa Barbara, California 93101.checked 30 Sep 2026
- Founded
- 2000checked 28 Sep 2026
- Headquarters
- 1903 State Street, Santa Barbara, CA 93101, United Stateschecked 28 Sep 2026
What it does
- Customer records
- The Virtual Terminal’s Customers feature stores customer details and supports card updates, refunds, transaction history and recurring payment schedules.checked 30 Sep 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.checked 30 Sep 2026
- Invoice tracking
- Approved invoices show as paid in the Virtual Terminal, and electronic receipts are sent to the business and customer.checked 30 Sep 2026
- Notable limits
- PayJunction states that debit cards, ACH, refunds and some sales taxes are not eligible for its surcharge option.checked 30 Sep 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.checked 30 Sep 2026
- Product
- PayJunction describes its Virtual Terminal as a browser-based platform for real-time access, faster payments, reconciliation and reporting.checked 30 Sep 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.checked 30 Sep 2026
- Security
- PayJunction states that it is Level 1 PCI compliant and uses TLS 1.2 with 256-bit encryption for processing.checked 30 Sep 2026
- Support
- PayJunction lists phone support at 800-601-0230, extension 3, and accepts support requests through its help center.checked 30 Sep 2026
Money
- Recurring billing
- PayJunction says its Virtual Terminal supports recurring card and ACH payments on a chosen schedule after setup and customer authorization.checked 30 Sep 2026
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