PayJunction
PayJunction is a cloud-based, ISO-registered payment processing platform serving SMBs and mid-market merchants in veterinary, dental, automotive, audiology, and legal verticals, offering a Virtual Terminal, no-code Chrome integration, proprietary terminals, and a developer API.
- Company typePrivate
- Founded2000
- HeadquartersSanta Barbara, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What PayJunction does
PayJunction is a cloud-based payment processing company founded in 2000 and headquartered in Santa Barbara, California, operating as a registered Independent Sales Organization (ISO) of PNC Bank, N.A. The company delivers integrated payment acceptance to small and mid-sized businesses, with a stated focus on verticalized segments including veterinary practices, dental offices, automotive dealerships, audiology clinics, and legal services. PayJunction processes over $11 billion in annual transaction volume and holds Level 1 PCI DSS compliance.
The product portfolio is anchored by the PayJunction Virtual Terminal, a browser-based platform providing real-time payment processing, reconciliation, and multi-account reporting. This core is extended through a No-code Payments Integration Chrome browser extension that enables rapid SaaS embed, two proprietary hardware terminals (ZeroTouch and Portable), and a suite of add-on modules including ACH, SmartSurcharge, Recurring Billing, Cards on File, Rapid Refunds, Remote Signature, Multi-Location, and Electronic Invoices. A public API and developer program target Independent Software Vendors (ISVs), with an Integration Marketplace positioning PayJunction as an embeddable payments layer for vertical SaaS.
PayJunction generates revenue from four streams: percentage-based transaction processing fees, recurring subscription services for platform access, hardware sales, and professional services for enterprise implementations. Go-to-market is hybrid: self-serve online onboarding for SMBs, field-led enterprise sales via "Request Demo" CTAs, and channel/ISV distribution through practice management software partners such as Sycle, ezyVet, and Covetrus Pulse. Pricing is quote-based and not publicly disclosed, with the company emphasizing transparent ethical billing, no long-term contracts, and US-based 24/7 support as differentiators versus larger acquirers.
PayJunction firmographics
Firmographics- Name
- PayJunction
- Legal name
- PayJunction
- Website
- https://payjunction.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PayJunction is a cloud-based, ISO-registered payment processing platform serving SMBs and mid-market merchants in veterinary, dental, automotive, audiology, and legal verticals, offering a Virtual Terminal, no-code Chrome integration, proprietary terminals, and a developer API.
- Ownership category
- akta.pro rank
PayJunction industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Payment Orchestration Platforms (FSAGABAA), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where PayJunction is headquartered
LocationHeadquarters
- HQ city
- Santa Barbara
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PayJunction business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing: Percentage-based fees on each payment processed through the platform
- Subscription Services: Monthly service fees for account access and platform features
- Hardware Sales: Sale of payment terminals and card readers
- Professional Services: Implementation and support services for enterprise customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Quote-based enterprise pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
PayJunction product offering
Product offeringCore offering
PayJunction provides a cloud-based, integrated payment processing platform for businesses and Independent Software Vendors. Its core offering is a browser-based Virtual Terminal that supports card-present and card-not-present transactions, electronic invoicing, ACH payments, recurring billing, smart surcharging, and tokenized card-on-file storage. The platform is complemented by proprietary hardware (ZeroTouch and Portable Terminals), a No-code Payments Integration Chrome extension for SaaS platforms, and a public REST API for embedded payments in third-party software.
Product overview
PayJunction is a payment processing company founded in 2000 that offers an integrated payments platform for businesses and fully outsourced payment operations for Independent Software Vendors (ISVs). The product portfolio consists of a cloud-based Virtual Terminal as the core platform, supplemented by No-code Payments Integration (a Chrome browser extension for rapid SaaS integration), hardware terminals (ZeroTouch Terminal and Portable Terminal), and value-added services including Invoices, ACH Electronic Checks, SmartSurcharge, Cards on File, Rapid Refunds, Recurring Billing, Remote Signature, and Ecommerce. The platform targets specific verticals including veterinary practices, dental offices, and auto dealerships, offering industry-specific solutions. PayJunction processes over $11 billion annually and differentiates through transparent pricing, ethical billing practices, and U.S.-based customer support without long-term contracts.
Differentiator
Problem solved
Functional benefit
Brands
- ZeroTouch Terminal: A sleek, customer-facing terminal delivering a secure and intuitive payment experience.
- Portable Terminal
- No-code Payments Integration®
- SmartSurcharge
- Virtual Terminal
Products and services
- PayJunction Virtual Terminal Browser-based cloud platform providing real-time access to payment processing, transaction management, sales reports, batch processing, and multi-account management under a single login. Designed for businesses and ISVs that need to accept card-present and card-not-present payments without installing software.
- No-code Payments Integration Chrome browser extension that enables merchants and ISVs to integrate payment acceptance features into any browser-based SaaS application in minutes without coding, by mapping fields and configuring post-payment actions. Backed by a $1,000 one-day integration guarantee.
- ZeroTouch Terminal Customer-facing smart payment terminal that delivers a secure, intuitive payment experience and supports EMV chip, contactless tap, and digital wallet transactions. Designed for retail and counter-service environments.
- Portable Terminal Wi-Fi enabled portable credit card reader terminal with built-in connectivity, allowing businesses to take secure payments on the go at events, in the field, or away from a fixed counter.
- Electronic Invoices Digital invoice feature that lets businesses create and send electronic invoices via email or text, accept remote payments, and capture digital signatures from customers without requiring them to visit or mail documents.
- ACH Electronic Checks ACH bank transfer payment option that enables businesses to accept electronic check payments directly from customer bank accounts as a lower-cost alternative to card payments.
- SmartSurcharge Compliant credit card surcharging solution that automatically calculates and applies surcharges to offset processing costs while remaining compliant with state laws and card brand rules.
- Recurring Billing Automated recurring payment processing for memberships, subscriptions, payment plans, and installment schedules with customizable billing cycles.
- Multi-Location Enterprise Payments Enterprise payment management capability enabling businesses to manage payments across multiple locations, departments, or brands with centralized reporting and separate merchant accounts, targeted at dealerships and multi-site operators.
- Ecommerce Payment Acceptance Online payment acceptance capabilities for e-commerce transactions including shopping cart integration and virtual terminal processing for card-not-present payments.
- PayJunction Developer API Public REST API with full integration capabilities, detailed documentation, and white-glove support that allows software developers and Independent Software Vendors to embed omnichannel payment features into their own software applications.
- AI-Driven IVR Phone Payments AI-driven Interactive Voice Response phone payment capability built on Twilio that enables secure, self-service automated phone payments for businesses.
Quantifiable outcome
- 98% customer satisfaction score
- +2 more outcomes
Companies that use PayJunction
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles4 records
PayJunction technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
AI capability2 records
Feature7 records
PayJunction partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ZapiercoreIntegration partnership announced April 1, 2025 enabling automated workflows between PayJunction payment processing and thousands of applications through Zapier's integration platform. This partnership extends PayJunction's reach to non-technical users through no-code automation.
- SyclecoreSycle is an audiology practice management software provider with over 8,000 clinics and 20,000 hearing professionals. PayJunction integration enables seamless payment processing directly within the Sycle workflow.
- ezyVetcoreezyVet is a veterinary practice management software platform. Integration with PayJunction enables veterinary clinics to process payments within their practice management workflow.
- Covetrus PulsecoreCovetrus Pulse is a veterinary operating system and supply chain platform. PayJunction integration provides payment processing capabilities for veterinary practices using the Covetrus ecosystem.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
PayJunction competitors and assessment
Company assessmentBroad incumbents
- Stripe: Stripe is a leading global payment processing platform with an API-first architecture serving developers, ISVs, and merchants. Like PayJunction, Stripe emphasizes software-integrated payments, but operates at vastly greater scale across many verticals and geographies, including horizontal SMB and enterprise use cases.
- Square (Block): Square (now Block) provides integrated payment processing, POS hardware, and software for SMBs across multiple verticals. Both companies sell cloud-based payment processing with hardware terminals, recurring billing, and vertical-specific solutions, though Square operates at much larger scale with broader product portfolio.
- Clover (Fiserv): Clover is a POS and payment processing platform owned by Fiserv serving SMBs across many verticals. Both Clover and PayJunction provide hardware terminals, virtual terminals, and integrated payments, though Clover operates as part of Fiserv's broader enterprise fintech portfolio.
Direct peers
- Heartland Payment Systems (Global Payments): Heartland is a US-focused payment processor acquired by Global Payments serving SMBs and vertical markets including automotive, healthcare, and professional services. Like PayJunction, Heartland emphasizes transparent pricing, no long-term contracts, and vertical-specialized integrations, making it a direct comparable in the vertical SMB payment space.
- Stax (formerly Fattmerchant): Stax is a subscription-based payment processor targeting SMBs and mid-market merchants with transparent pricing and no long-term contracts. PayJunction and Stax share similar value propositions around ethical billing, subscription/transaction pricing models, and SMB-to-mid-market positioning.
- Helcim: Helcim is a Canadian-headquartered payment processor serving SMBs with transparent interchange-plus pricing and no long-term contracts. Both companies target SMBs with direct-to-merchant models, value pricing transparency, and offer cloud-based virtual terminals and multi-location support.
- Payment Depot: Payment Depot is a membership-based payment processor offering wholesale interchange rates to SMBs. Like PayJunction, it emphasizes transparent pricing without hidden fees, serves SMB and mid-market merchants, and focuses on no-contract, customer-friendly terms.
- Paymentus: Paymentus is a payment processing platform specializing in bill presentment and electronic payments for utilities, healthcare, and other verticals. Both companies serve vertical niches with integrated payments and emphasize transparent, ethical pricing models.
Emerging players
- Toast: Toast is a vertical-SaaS payment and POS platform focused specifically on the restaurant industry. While PayJunction is broader in vertical coverage, Toast exemplifies the vertical-embedded payments model PayJunction pursues, with native integration into industry-specific software workflows.
- Lightspeed Commerce: Lightspeed is a unified POS and commerce platform for retail and restaurant verticals with integrated payments. Like PayJunction, Lightspeed pursues a vertical-software-plus-payments model with deep industry-specific integrations, but at significantly larger scale and broader vertical coverage.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
PayJunction social profiles
Digital presencePayJunction compliance and trust
Trust signalCompliance1 record
PayJunction financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayJunction leadership team
Management profileNumber of profiles
Profiles3 records
PayJunction funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayJunction M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayJunction
What does PayJunction do?
PayJunction provides a cloud-based, integrated payment processing platform for businesses and Independent Software Vendors. Its core offering is a browser-based Virtual Terminal that supports card-present and card-not-present transactions, electronic invoicing, ACH payments, recurring billing, smart surcharging, and tokenized card-on-file storage. The platform is complemented by proprietary hardware (ZeroTouch and Portable Terminals), a No-code Payments Integration Chrome extension for SaaS platforms, and a public REST API for embedded payments in third-party software.
Is PayJunction a public or private company?
PayJunction is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayJunction founded?
PayJunction was founded in 2000. It employs 51 to 100 people.
Where is PayJunction based?
PayJunction is headquartered in Santa Barbara, United States, in the North America region.
How does PayJunction make money?
Four revenue lines are on record. Transaction Processing is the primary driver. The others are subscription Services, hardware Sales and professional Services.
Who are PayJunction's main competitors?
Broad incumbents on record are Stripe, Square (Block) and Clover (Fiserv). Direct peers are Heartland Payment Systems (Global Payments), Stax (formerly Fattmerchant), Helcim, Payment Depot and Paymentus. Emerging players are Toast and Lightspeed Commerce.
Does PayJunction have an API?
Yes. PayJunction offers a public API for software developers and Independent Software Vendors (ISVs) to embed omnichannel payment features into their software. The API provides full integration capabilities with total control, powerful omnichannel functionality, and deep integration into existing systems. PayJunction's team provides white-glove support, detailed documentation, and best practices for getting up and running quickly. The company also offers a No-code Payments Integration via a Chrome browser extension that allows rapid integration without coding. Developer documentation is at developer.payjunction.com.
What industry is PayJunction in?
PayJunction's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 52232 and its SIC code is 7372.