T1 Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

High-risk merchants that serve a global consumer base

Specializes in

High-risk payment processing, payment gateways, global payment processing, shopping cart integrations, virtual terminals.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: Interchange-Plus

Keyed-in Rate: Interchange-Plus

Early Termination Fee : $1,000+

Contract Terms:

Month-to-month 3 Years
Visit T1 Payments

T1 Payments is a merchant account provider that specializes in processing payments for high-risk merchants on a global scale. The company has received few online complaints and offers strong customer support options.

T1 Payments Overview


T1 Payments is a merchant account provider with headquarters in Las Vegas, Nevada. The company was founded in 2010 and is currently led by CEO Donald Kasdon.

T1 Payments specializes in servicing the payment processing needs of high-risk merchants that operate on a global scale. The company is a great fit for merchants operating in industries like:

  • CBD

  • Adult entertainment

  • Credit repair

  • Dating

  • Gaming

  • Debt consolidation

  • Cannabis

Unfortunately, T1 Payments doesn’t share very much information about its pricing or contractual terms. Merchants who are interested in using the company will need to go through the onboarding process to figure out whether its services will fit into their budget.

T1 Payments currently has an A+ rating with the Better Business Bureau and has received relatively few online complaints.

Quick Facts

Head Quarters

Las Vegas, Nevada

Year Founded



Donald Kasdon



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Adult
  • Bail Bonds
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hosting
  • Marijuana / Cannabis
  • Marketing Agency
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • MLM
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

T1 Payments Products & Services


Payment Gateways

T1 Payments offers merchants a payment gateway service that appears pretty standard for the industry. The service allows merchants to process a wide variety of payments online. It also supports recurring monthly charges and has a comprehensive reporting feature.

One feature that makes T1 Payments’ payment gateway stand out is its integration capabilities. Merchants can use the gateway with more than 175 different shopping carts. The company even offers a Gateway Emulator tool, which allows merchants to integrate this payment gateway with their existing operations without having to write any code.

Global Processing

Global payment processing capabilities are one of the highlights of T1 Payments’ offerings. The company’s payment gateways allow merchants to accept payments in more than 160 currencies.

On top of that, the company’s global payment processing solutions provide the following benefits:

  • Unlimited volume

  • Flat-rate merchant accounts

  • Advanced fraud protection

  • Integrated risk management

  • Real-time online reporting

Payment Processing for High-Risk Industries

T1 Payments’ services were designed with the needs of high-risk merchants in mind. The company makes it possible for merchants operating in risky industries to reach a global consumer base. It also allows high-risk merchants to accept card-not-present transactions without encountering any restrictions.

T1 Payments Payment Processing

  • Chargeback & Fraud Prevention
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

T1 Payments Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

T1 Payments Advertising & Sales

T1 Payments’ advertising processes are solid. The company doesn’t use deceptive rates to market its services. However, it isn’t very forthcoming about its prices, terms, or fees either. Merchants who are interested in doing business with T1 Payments will need to go through the onboarding process to figure out whether the company is a good fit for their budget.

T1 Payments appears to hire independent sales agents, which is usually a bad sign for merchants. Indeed, the company has received a few complaints about its sales process. These complaints cite held payments and a scammy sales process.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


T1 Payments Pricing, Rates & Fees


T1 Payments doesn’t share very much information about its pricing or fees. During our research, we learned that the company offers both flat-rate and interchange-plus pricing models. However, more specific information than that isn’t available.

That being said, high-risk merchants typically face higher fees and per-transaction costs than their standard-risk counterparts. So you should expect your rates with T1 Payments to be on the higher end.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

T1 Payments Contract & Terms

It appears that T1 offers a month-to-month contract for its standard risk merchants. However, it’s unclear if that option is available for higher-risk merchants or if they need to sign a longer-term agreement in order to partner with the company.

One thing that you should look out for as a higher-risk merchant is T1 Payments’ high cash reserve levels and exorbitant early termination fee (ETF). Companies that have worked with T1 Payments have reported that the company’s ETFs can be $1,000 or more for high-risk merchants.

Contract Length

Month-to-month3 Years

Early Termination Fee


T1 Payments Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)

T1 Payments Complaints, Ratings & Reviews

T1 Payments currently has an A+ rating with the Better Business Bureau. The company has received a few online complaints about its sales practices and cash holds. But these seem to be isolated incidents, as the total number of complaints that T1 Payments has received is still relatively low.



A+ and is BBB Accredited since 2020. (7 Reviews; 4 Complaints)


3.7 Stars / 34 Reviews


No Reviews




Total Online Reviews


Total Online Complaints




T1 Payments Alternatives


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