PayJunction a credit card processing company that focuses on online and virtual payments. Based in Santa Barbara, California, their options are referred to as their “Trinity” – ie Virtual Terminal, Payment Gateway, or through your Phone.

This is not by any means a “full-service” merchant account provider but for smaller companies looking for a merchant account for their online business, with the ability to potentially grow and handle transactions through their phone.

Their overall costs are strong, but again without the costs that come along with offering full service support and other items that come with a more standard merchant account, that is to be expected. If you are likely to be handling limited volume and the potential risks of not having someone to call immediately if anything goes wrong is not a deal breaker then we recommend giving PayJunction consideration.

While they may not work for all merchants, their product may give many merchants a cost feasible means to accept credit cards.

 

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Note: Before you get started here is a final piece of advice from our co-founder Gerald Evans on the importance of calling a merchant service provider and avoiding the temptation to ask for rates and quotes through email alone. Why You Should Always Call

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