Before You Sign Up with PaymentUSA: Contracts, Costs and Support

PaymentUSA is a Las Vegas-based merchant account provider that previously specialized in high-risk merchant accounts but has recently shifted its focus to offering zero-fee processing. Zero-fee processing is typically reserved for standard-risk businesses due to the high surcharges that would be required to offset most high-risk processing costs. None of PaymentUSA’s marketing materials suggest that the company can serve high-risk businesses at this time, so businesses in high-risk sectors may be better off contacting a top-rated high-risk payment processor.

Payment Processing

PaymentUSA offers payment processing services aimed at facilitating secure transactions. These services assist businesses in managing credit card and electronic payments.

e-Commerce Solutions

PaymentUSA provides e-commerce solutions that integrate with online platforms. These solutions help businesses process online payments securely.

International Payments

PaymentUSA’s international payments service allows businesses to handle transactions with global customers.

MOTO (Mail Order/Telephone Order)

PaymentUSA includes MOTO payment solutions, which enable businesses to process transactions made via mail or telephone orders.

Payment Gateways

PaymentUSA offers payment gateways to facilitate secure online payment processing. These gateways connect a business’s website to the payment network.

Virtual Terminal

PaymentUSA provides virtual terminal services, allowing businesses to process payments without a physical card reader.

Recurring Billing

PaymentUSA’s recurring billing solutions help manage subscription-based services by automating regular payments.

EMV Swipers

PaymentUSA supplies EMV swipers, which enable businesses to accept chip card payments securely. These devices aim to enhance transaction security and reduce fraud risk by adhering to EMV standards.

POS Systems

PaymentUSA offers point-of-sale (POS) systems designed to meet various business needs. These systems support efficient checkout processes and assist in managing sales, inventory, and customer interactions.

Only 1 Public Complaint

We have located just one negative PaymentUSA review at this time, which suggests that the company is not a ripoff or a scam. This is particularly notable given the company’s previous focus on high-risk businesses. If you have your own PaymentUSA review to share, please do so in the comments below.

PaymentUSA Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against PaymentUSA. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

PaymentUSA Customer Support Options

PaymentUSA provides phone and email contact information on its website, but it’s likely that the company outsources some or all of its customer support to its partner banks. While this system appears to be effective in resolving customer complaints for the time being, it does not match the level of service offered by the top merchant accounts for great customer service. Nonetheless, given the total lack of complaints filed against the company, we have assigned it an “A” rating in this category.