Best for
Standard risk merchants searching for zero fee payment processing services.
Specializes in
PaymentUSA specializes in providing affordable payment processing services to merchants who are considered to be standard risk. Their focus is on quick and easy transactions that keep costs low for merchants.
Pricing Summary
Setup Fee: Unknown
Monthly Fee: Unknown
Swipe Rate: Unknown
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
PaymentUSA has its headquarters in Las Vegas, Nevada and it is unclear how long the company has been in business.
Chase James is the name of the managing partner at PaymentUSA, and it is possible that the company shares ownership with Empire Business Solutions of out Los Angeles, California.
At one point, PaymentUSA specialized in high-risk merchants, but currently, their focus is on standard risk businesses.
PaymentUSA offers payment processing services to merchants by providing quicker, safer and more convenient payment options. The company works with many banks, including international banks, but may have changed its acquiring bank once it stopped working with quite so many high-risk merchants.
PaymentUSA is located in Las Vegas, Nevada and the managing partner is Chase James. The company offers tailored services for each merchant it works with, and while their website mentions working with high-risk merchants, other marketing materials appear to be pointing toward those that are more standard risk.
This company stands out because of its wide variety of services and its commitment to finding payment processing solutions that will work for individual merchant accounts.
Head Quarters
unknown
Year Founded
Unknown
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
Low transaction fees.
No hidden fees in their contract.
Includes staff scheduling software for restaurants.
Free lease for credit card terminals.
No contract and no cancellation fees.
May not be a good fit for high risk businesses.
Not BBB accredited.
Hardware & Software
PaymentUSA offers several options for payment processing, including POS terminals, automated invoicing, virtual gateways and software integration with existing shopping cart software.
The company has the ability to work with merchants with brick and mortar businesses, online stores and those who accept MOTO payments.
Value Added Services
At this time, it appears that PaymentUSA does not offer any additional value added services. However, they have expanded on some of the services they currently offer to merchants to set themselves apart from their competition.
For example, restaurant merchant customers will have access to software that allows for:
Easy staff scheduling, menu changes and inventory tracking.
Fewer accounting errors through technology that allows diners to pay at their tables.
Gift card options.
Smart server stations.
Supported Payment Types & Services
At this time, it appears that PaymentUSA offers payment processing for all major credit cards (Visa, Mastercard, Discover and American Express) and gift cards. The company does not offer processing services for check or ACH payments.
Their website does mention offering software integration for payment processing. It is possible that with this integration, they may process payments through PayPal or other payment methods the merchant is currently accepting.
Discloses All Important Terms
No
Public Pricing Available
No
PaymentUSA states that the company does not charge interchange fees or monthly minimum fees to its merchant customers. The cost summary is as follows:
Swiped rate - 1% - 4.99%
Keyed-in rate - 1% - 4.99%
Early termination fee - none
Customer surcharge - 4%
Credit card terminals are available at no cost to the merchant, but there is no information about leasing terms and if merchants are charged for equipment if they cancel before a certain period of time.
Pricing Model
Unknown
Swiped Rate
Unknown
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Unknown
Monthly Fee
Unknown
Payment Gateway Fee
Unknown
Batch Fee
Unknown
Early Termination Fee
Unknown
PCI Compliance Fee
Unknown
Equipment Lease Terms
Unknown
Address Verification Service (AVS)
Unknown
Application Fee
Unknown
Account Setup Fee
Unknown
Gateway Setup Fee
Unknown
Annual Fee
Unknown
Monthly Minimum
Unknown
Statement Fee
Unknown
One of PaymentUSA’s biggest selling points is that they advertise no contract and no cancelation fees. It is possible that the company abides by month-to-month contracts, but merchant customers are not penalized if they cancel the service.
Contract Length
Unknown
Early Termination Fee
Unknown
There is very little information on the PaymentUSA website about how quickly merchants can get set up with their accounts after going through the underwriting process. Their website does indicate that underwriting is flexible and may be able to get done quickly. All underwriting is done in-house.
The company offers several ways for merchant customers to get support. There is a dedicated sales email address on their website as well as a phone number merchants can call for assistance.
By clicking a button on their website, merchants can get answers to more frequently asked questions or quickly contact the company.
BBB Rating
PaymentUSA does not have an account with the Better Business Bureau, and so there is no BBB rating for them at this time. There are also no complaints about this company on the BBB website.
Other Online Reviews
There is only one other review online regarding PaymentUSA’s services. While this review is negative, this is a strong indicator that for the most part, merchant customers are very satisfied with the services and products they receive from this company.
PaymentUSA does not have any outstanding class-action lawsuits or FTC complaints that have been filed.
BBB
N/A
N/A
N/A
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
Unknown
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