PayJunction Virtual Terminal review
A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
PayJunction Virtual Terminal pros and cons
- 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
PayJunction Virtual Terminal fact sheet, pricing and score →
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