PayJunction Virtual Terminal

C tier on Payment Processing SoftwareScore 5.8 · #38 of 68

Android app: Not listed
Free plan: No
Runs on: api, Browser extension, Web

payjunction.com

Summary

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.

Who it is for

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.

What is 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.

What to know first

Additional fees may apply.
Some payments and taxes are ineligible for surcharges.
Currency support is single currency.
No free plan is available.

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.

PayJunction Virtual Terminal plans and pricing

All plans

Standard Not published Card Rates: as low as 1.49% + $0.15; ACH: as low as 0.75% Additional fees may apply payjunction.com · 30 Sept 2026

Surcharge Not published Credit Cards: as low as 0%*; PIN Debit: Fees Apply; ACH: as low as 0.75% Surcharge eligibility exclusions apply; additional fees may apply payjunction.com · 30 Sept 2026

Enterprise Not published Custom: Submit Statements Submit statements for a competitive rate analysis payjunction.com · 30 Sept 2026

Compared on payment processing software

Free plan: Nopayjunction.com
Payment methods: cards and bank paymentspayjunction.com

Facts

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
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
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
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
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
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
Browser access: PayJunction says invoices can be managed by logging in from any browser-connected 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
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
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
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