PayJunction

They have a California, USA based office with a small number of employees. I learned quickly who to go-to when I had issues (rarely) and they were always there to help me. The smart terminal and virtual terminal are very well done. Recurring payments for customers who needed that service proved to be instrumental to save the bottom line.

The reason we left was primarily the woocommerce plugin. It did have issues with our site (possibly more a problem with our site than with PJ).

Thought of this great company and how much I miss them as I leave a scathing review for the company our owner switched us to (Retriever Merchant Solutions -yuck!). PayJunction did a great job for us and while it was not the least expensive option we considered, they exceeded our expectations and the (slightly) higher cost was easily justified. When you sign with a processor you are paying fees to the processor and pass-through fees to the card companies. While you may be able to find lower rates to the processor, you need to consider that you are likely getting less from them in terms of features and support. PJ was always there for us and I hope we someday find our way back to them to handle our processing and gateway needs.