Credit card processing without the confusion
Accept every major card brand online, in person and over the phone — with clear statements, quick funding and support from people who understand payments.
Accept every major card
PayJunction supports Visa, Mastercard, American Express and Discover, including consumer credit, debit, prepaid and commercial cards. Customers pay the way they prefer, and you see every transaction in one place.
Ways to take card payments
Online
Website and in-app payments through hosted checkout, embedded fields or API. Online payments.
In person
Countertop terminals, mobile readers and tap-to-pay. POS payments.
Virtual terminal
Key in card-not-present payments taken over the phone or by mail.
Invoices & links
Send a secure payment request and get paid in a click. Payment links.
Recurring
Charge stored cards automatically on a schedule. Recurring billing.
Level 2 & 3 data
Pass enhanced data on B2B and commercial card transactions where supported.
Understanding card processing fees
Every card transaction involves several costs: interchange (set by the card networks and paid to the issuing bank), network assessment fees (paid to Visa, Mastercard and others) and the processor markup. Providers package these differently. Flat-rate pricing is simple and predictable. Interchange-plus pricing passes through the true cost and adds a fixed markup, which is usually better value at higher volumes.
| Pricing model | How it works | Best for |
|---|---|---|
| Flat rate | One blended percentage + per-transaction fee | New and smaller businesses |
| Interchange-plus | Actual interchange + fixed markup | Established and growing businesses |
| Custom / volume | Negotiated based on volume and risk | High-volume merchants |
See which fits you on our pricing page.
What you get with every account
- Next-business-day or standard funding options — payout details
- Chargeback alerts and evidence submission in the dashboard
- Downloadable statements and transaction exports
- Fraud screening with AVS, CVV and custom rules
- Human support by email and phone
Frequently asked questions
How much does credit card processing cost?
Costs depend on card type, how the card is accepted and your pricing model. PayJunction offers flat-rate and interchange-plus options; contact sales for a quote based on your volume.
Can I accept American Express?
Yes. American Express is supported alongside Visa, Mastercard and Discover.
Can I take card payments over the phone?
Yes. The virtual terminal lets you key in card-not-present transactions securely from the dashboard.
Related
Ready to accept payments with PayJunction?
Tell us about your business and we'll prepare a quote and a setup plan.
Contact sales