The payment gateway built for growing US businesses
Accept credit cards, debit cards and digital wallets online, in store and on subscription — through one secure payment gateway, one dashboard and one developer-friendly API.
Everything you need to accept payments
PayJunction brings the tools merchants usually buy from three or four vendors into a single platform. Take payments on your website, send invoices and payment links, run subscriptions, sell in person and reconcile every dollar from one place. Whether you process your first transaction this week or millions of dollars a month, the same gateway scales with you.
Online payment gateway
Hosted checkout, embeddable fields and a full REST API for accepting card and wallet payments on any website or app. Explore online payments.
Credit card processing
Visa, Mastercard, American Express and Discover, with support for debit, prepaid and commercial cards. See card processing.
Recurring billing
Subscriptions, installments and usage-based plans with automatic retries and card updates. See recurring billing.
Invoices & payment links
Get paid without a website: send a branded link by email, SMS or chat. See payment links.
In-person payments
Countertop, mobile and tap-to-pay acceptance connected to the same account. See POS payments.
Fraud protection
Rules, risk scoring, 3-D Secure and AVS/CVV checks to stop bad transactions before they cost you. See fraud tools.
How the PayJunction gateway works
A payment gateway is the secure bridge between your checkout and the card networks. When a customer pays, PayJunction encrypts the card data, runs fraud checks, routes the authorization request to the issuing bank and returns an approval or decline in about a second. Approved funds are batched, settled and paid out to your business bank account.
- Customer checks outThe shopper enters card details or taps a wallet on your hosted page, website or terminal.
- Data is tokenizedSensitive card data is replaced with a secure token so it never touches your servers.
- Risk is scoredFraud rules, AVS, CVV and 3-D Secure screen the transaction in real time.
- Bank authorizesThe request travels through the card network to the issuing bank for approval.
- Funds settleApproved transactions are batched and paid out to your bank account. Learn about payouts.
Built for the way you sell
Different businesses need different payment flows. PayJunction offers ready-made setups for the most common models, so you spend less time configuring and more time selling.
Ecommerce stores
Plugins and hosted checkout for online shops of every size. Ecommerce payments.
SaaS & subscriptions
Recurring billing, proration and dunning for software companies. SaaS payments.
Small businesses
Simple onboarding, payment links and invoices without a developer. Small business payments.
High-volume & enterprise
Custom pricing, dedicated support and advanced routing. Enterprise payments.
Security that comes standard
Every PayJunction account includes tokenization, TLS encryption in transit, role-based dashboard access and support for strong customer authentication. Hosted payment fields keep raw card numbers off your systems, which can dramatically reduce your PCI DSS scope. Read more on our payment security and compliance pages.
For developers, by developers
Clean REST endpoints, predictable JSON, idempotency keys, signed webhooks and a full sandbox environment make integration fast. Start in test mode, ship to production with a single key swap. Visit the developer hub or browse ready-made integrations.
Frequently asked questions
What is PayJunction?
PayJunction is a payment gateway that lets US businesses accept credit cards, debit cards and digital wallets online, in person and on a recurring basis, with built-in fraud tools and a single dashboard.
Do I need a separate merchant account?
PayJunction is designed to provide gateway and merchant processing together, so most businesses can apply once and start accepting payments without arranging a separate merchant account. Talk to sales about your setup.
Which cards can I accept?
Visa, Mastercard, American Express and Discover credit and debit cards, plus supported digital wallets such as Apple Pay and Google Pay.
How long does it take to get started?
You can build and test in the sandbox right away. Live processing begins once your business application has been reviewed and approved.
Related
Ready to accept payments with PayJunction?
Tell us about your business and we'll prepare a quote and a setup plan.
Contact sales