Authorize.net vs PayJunction ACH Payment Processing

Authorize.net helps businesses accept electronic and credit card payments online, in person and by phone. It supports major cards, Apple Pay, Google Pay, PayPal and eChecks, with channels for website checkout, mobile payments, in-person card readers, phone orders through Virtual Terminal and digital invoicing. Automated Recurring Billing supports subscriptions, retainers and payment plans. Customer Information Manager stores payment details for returning customers, while Advanced Fraud Detection Suite offers customizable rules to flag suspicious activity. The service lists web, iOS, Android and API platforms, XML and JSON API variants, and a certified network of technology and solution partners. Merchant support is available 24x7 except major holidays. Authorize.net says its processing is designed for small businesses and that it has worked with merchants and small businesses since 1996. There is no free plan. All listed plans cost $25 per month: All-in-one adds 2.9% + 30¢ per transaction; Gateway only adds 10¢ per transaction plus a 10¢ daily batch fee and requires an existing merchant account. Gateway + eCheck lists 0.75% for eCheck and 10¢ per card transaction plus a 10¢ daily batch fee; eCheck is available only to U.S.-based businesses.

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use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up.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.