PayJunction Virtual Terminal
PayJunction Virtual Terminal: A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations. Ranked #4 of 29 in Virtual Terminal Software by our editors (8.9/10); pricing: Paid; best for businesses needing reporting and workflow integrations.
At a glance
- Editor score8.9 / 10
- PricingPaid
- Best forBusinesses needing reporting and workflow integrations
- Free planNo
- Payment methodsCards and bank payments
- Founded2000 · 1903 State Street, Santa Barbara, CA 93101, United States
- Facts checked20 Sep 2026
Where it wins
- Supports keyed card and ACH payments, recurring billing, invoices, and refunds
- Connects with Zapier, QuickBooks Online, Xero, and other workflow tools
- Reports by batch, location, or terminal with searchable transaction history
Where it doesn't
- Pricing centers on processing rates rather than a recurring software subscription
- Surcharge terms include PIN debit fees and eligibility requirements
- Single-currency support limits multi-currency payment workflows
Our verdict on PayJunction Virtual Terminal
PayJunction Virtual Terminal is a browser-based payment portal for businesses that manually process card and ACH transactions from connected devices. It supports remote and in-person workflows, including recurring payment schedules, electronic invoices, stored customer cards, transaction search, receipts, refunds, voids, and payment-status notifications. The product is suited to organizations coordinating payments across offices, departments, or business-specific processes, with access through web tools and APIs.
Pricing is organized around processing rates and three plans. Standard lists card rates as low as 1.49% and ACH as low as 0.75%. Enterprise allows businesses to submit statements for competitive analysis, with PayJunction working to match or beat current rates. Surcharge lists credit cards as low as 0% where eligible, while PIN debit fees apply and ACH is listed as low as 0.75%. This structure makes the plan choice closely tied to payment method, surcharge eligibility, and rate negotiations rather than a simple feature-tier comparison.
The strongest fit is for teams that need payment records and reporting to connect with existing operational tools. Integrations include Zapier, QuickBooks Online, Xero, Google Sheets, Slack, HubSpot, and Mailchimp, while reporting can be segmented by batch, location, or terminal. Browser-based access supports desktop, tablet, and smartphone workflows, and payment APIs extend the product into custom systems. Organizations seeking a single-currency virtual terminal with invoicing, recurring billing, and workflow connectivity should find the feature coverage relevant. Businesses requiring multi-currency support or a clearly defined recurring software subscription may prefer a different model.
Your product? Our editors can test PayJunction Virtual Terminal in depth and publish a review, labelled as paid · from $149/mo →
PayJunction Virtual Terminal pricing
All 3 PayJunction Virtual Terminal plans and prices →
PayJunction Virtual Terminal fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Payment methods | Cards and bank payments |
| Recurring payments | Yes |
| Refunds | Yes |
| Invoices | Yes |
| Customer records | Yes |
| Supported platforms | Browser and mobile |
| Currency support | Single currency |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | PCI DSS |
| Support | Email, Phone, Tickets, Docs |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 7,000+ integrations: Zapier, QuickBooks Online, Xero, Google Sheets, Slack, HubSpot … See all → |
| Pricing | Paid (source) |
| Website | payjunction.com |
| Facts checked | 20 Sep 2026 |
PayJunction Virtual Terminal integrations
PayJunction Virtual Terminal lists 7,000+ integrations on its own site — the 7 named here are the ones its pages call out.
- Zapier
- QuickBooks Online
- Xero
- Google Sheets
- Slack
- HubSpot
- Mailchimp
See all PayJunction Virtual Terminal integrations →
Alternatives to PayJunction Virtual Terminal
- Authorize.netA full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.9.4
- EBizCharge Virtual TerminalA browser-based payment terminal with invoicing, recurring billing, and accounting integrations.9.2
- CoreGateway Virtual TerminalA flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.9.0
See all PayJunction Virtual Terminal alternatives →
PayJunction Virtual Terminal vs the competition
- PayJunction Virtual Terminal vs Authorize.net
- PayJunction Virtual Terminal vs EBizCharge Virtual Terminal
- PayJunction Virtual Terminal vs CoreGateway Virtual Terminal
- PayJunction Virtual Terminal vs Helcim
- PayJunction Virtual Terminal vs NMI
- PayJunction Virtual Terminal vs Cybersource
Compare PayJunction Virtual Terminal with any tool side by side →
Also Ranked In
PayJunction Virtual Terminal is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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