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PayJunction ACH Payment Processing

www2.payjunction.com

From $0.75/mo WebiOSAPIBrowser extension
Visit www2.payjunction.com
Spec score 7.7 #12 of 21 in ACH Payment Processing Software

What it is

PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments. Merchants can use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up. Customers can authorize an ACH payment and sign a digital receipt on a desktop or smartphone; signed authorization forms are stored for at least two years. PayJunction says merchants can receive next-day ACH funds and process ACH as often as needed without a monthly fee. The service includes API access, webhooks, browser-based integration and a Zapier connection to over 7,000 apps. Its API supports ACH electronic-check transactions and requires TLS 1.2. PayJunction describes encryption and PCI compliance. Access is listed through API, extension, iOS and web. Standard and Surcharge each cost $0.75 a month billed month-to-month, with transaction rates listed separately. There is no free plan.

Spec sheet

Headquarters
1903 State Street, Santa Barbara, CA 93101, USARead 28 Sep 2026 · www2.payjunction.com
Founded
2000Read 28 Sep 2026 · www2.payjunction.com
ACH encryption
PayJunction says its system encrypts ACH payments to protect customers.Read 1 Oct 2026 · payjunction.com
ACH funding
The ACH page says merchants can receive next-day funds like credit or debit card payments.Read 1 Oct 2026 · payjunction.com
ACH monthly fees
The ACH page says merchants can process ACH as often as they like without owing a monthly fee.Read 1 Oct 2026 · payjunction.com
ACH processing
PayJunction stores and processes ACH payments for bank-to-bank transfers.Read 1 Oct 2026 · payjunction.com
ACH rejects
The system notifies users about ACH rejects, updates outdated information, and exports failed-payment lists for follow-up.Read 1 Oct 2026 · payjunction.com
API support
The PayJunction API documentation includes POST /transactions for processing ACH electronic-check transactions and requires TLS 1.2 support.Read 1 Oct 2026 · developer.payjunction.com
Authorization retention
PayJunction automatically stores signed ACH authorization forms for a minimum of two years.Read 1 Oct 2026 · support.payjunction.com
Browser integration
The No-code Payments Integration interacts in real time with dealer management systems and browser-based software, automating data entry and updates.Read 1 Oct 2026 · payjunction.com
Digital authorization
PayJunction emails a digital receipt so customers can authorize ACH payments and sign from a desktop or smartphone.Read 1 Oct 2026 · payjunction.com
Mobile access
The PayJunction mobile app is available on iPhone and iPad, is free, and requires an existing PayJunction customer account.Read 1 Oct 2026 · support.payjunction.com
Recurring ACH
Users can process ACH payments with a click to recharge accounts or set up recurring payments.Read 1 Oct 2026 · payjunction.com
Security compliance
PayJunction says it uses TLS 1.2 with 256-bit encryption and is Level 1 PCI compliant, independently audited each year.Read 1 Oct 2026 · support.payjunction.com
Support terms
PayJunction advertises U.S. support in under 60 seconds, no exit fees or long-term contracts, and free PCI compliance tools.Read 1 Oct 2026 · payjunction.com
Zapier integration
PayJunction says its Zapier integration connects to over 7,000 apps, including Google Sheets and QuickBooks Online.Read 1 Oct 2026 · payjunction.com

Plans and prices

Standard $0.75 a month Month-to-Month Service Card Rates: as low as 1.49% + $0.15 · ACH: as low as 0.75% Read 1 Oct 2026 · payjunction.com
Surcharge $0.75 a month Month-to-Month Service Credit Cards: as low as 0%* · PIN Debit: Fees Apply · ACH: as low as 0.75% Read 1 Oct 2026 · payjunction.com
Enterprise Priced on request Submit statements for competitive analysis Read 1 Oct 2026 · payjunction.com

Every PayJunction ACH Payment Processing plan and price →

Strong points and limits

Strong points

  • Supports recurring ACH payments.
  • Customers can sign digitally from desktop or smartphone.
  • Signed authorizations are retained for at least two years.
  • API and webhook access are listed.
  • Next-day ACH funding is stated.

Limits

  • No free plan is listed.
  • Standard and Surcharge each cost $0.75 a month billed Month-to-Month Service.
  • Transaction rates are listed separately.

Who it suits

It suits merchants seeking ACH processing with recurring-payment support, digital authorization and rejected-payment follow-up. Teams integrating payment workflows can use its API, webhooks, browser integration or Zapier connection.

Verdict

PayJunction combines ACH processing with recurring payments, authorization retention and tools for rejected transactions. Review the listed monthly plan charge alongside separate transaction rates before choosing a plan.

Where Specifiction places it

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