PaymentUSA Reviews & Complaints

PaymentUSA Logo
Overall Score
5
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How did they treat you?

Overview

PaymentUSA is a merchant account provider offering credit card processing services. This article will provide a comprehensive review of the company’s services, pricing, and contract terms. We will evaluate the transparency of their fees, the quality of customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a clear understanding of what PaymentUSA offers and whether it meets your business's payment processing needs.

About PaymentUSA

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 USA Homepage

PaymentUSA Payment Processing

PaymentUSA processes most major credit and debit cards for most business types. Its services include e-commerce solutions including shopping carts, international payments, integration with many commerce partners, MOTO, access to an online payment gateway, a virtual terminal, recurring billing, EMV swipers, and POS systems.

PaymentUSA services
Some of PaymentUSA’s services

PaymentUSA Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

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.

PaymentUSA Customer Service Number

  • (833) 493-7633 – Toll-Free Support

Other Support Options

PaymentUSA Online Ratings

Here's How They Rate Online

No Current Profile

The Better Business Bureau does not maintain a profile for PaymentUSA at this time. We therefore will not factor a BBB rating into this review.

PaymentUSA Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Processing Rates 1.00% - 4.99%
Cancellation Penalties Unclear
Customer Surcharge 4.00%
Equipment Lease Terms Undisclosed

Variable Contract Terms

Current details about the PaymentUSA contract terms are not widely accessible. Originally tailored to businesses with higher risk profiles, PaymentUSA designed its pricing models to fit individual business needs, considering factors such as industry type, business size, and processing history. Presently, PaymentUSA is promoting a zero-fee processing program for most of its standard-risk clients.

Understanding Zero-Fee Processing

Zero-fee processing is a growing trend in pricing strategies. It allows businesses to add a service fee (commonly around 4%) to customer credit card payments. This approach generates revenue from these service fees rather than traditional transaction fees. PaymentUSA offers credit card terminals programmed to automatically add this surcharge to eligible transactions, with clear disclosure on customer receipts. Additionally, PaymentUSA affirms that it does not charge monthly minimum fees or interchange fees.

Virtual Terminal and Payment Gateway Pricing

PaymentUSA extends its services to include a virtual terminal and a payment gateway, aimed at facilitating online transactions. While the company’s website suggests that its zero-fee processing might extend to these e-commerce solutions, specific pricing details are not publicly disclosed.

Contract Satisfaction and Complaints

Current research does not reveal any customer complaints regarding PaymentUSA’s rates and fees, indicating a general client satisfaction with their pricing structure. While it’s unlikely that PaymentUSA offers all its services, including payment processing equipment, at no cost, its “FREEDOM” pricing model might compete with some of the most affordable merchant accounts. For those with direct experience of PaymentUSA’s standard contract, especially concerning any early termination fees or PCI compliance fees, we welcome your insights in the comments section below.

PaymentUSA payment gateway
PaymentUSA’s e-commerce services include a payment gateway and virtual terminal, catering to diverse business needs.

PaymentUSA Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

No Sales Complaints

PaymentUSA appears to utilize a combination of independent sales agents and referral partnerships to market its services. The use of independent sales agents is commonly linked to elevated complaint rates within the industry due to the lack of oversight and training for these agents. In this case, however, we are unable to locate any PaymentUSA reviews that describe unethical tactics by the company’s sales team.

Cash Discount Disclosure

PaymentUSA’s prominently advertised “FREEDOM” pricing plan is simply a cash discount plan that offsets client processing fees by passing costs directly to customers via a surcharge on all electronic transactions. PaymentUSA claims in various parts of its website that it charges “ZERO transaction fee” and offers processing at “0% cost,” but it also states that its technology only eliminates “a major portion of total processing costs.” It’s likely that PaymentUSA’s cash discount program has the potential to significantly cut down on fees, but readers should not assume that they will never pay a dime to PaymentUSA. If you suspect that PaymentUSA is charging you undisclosed fees, we recommend seeking a third-party statement audit.

Our PaymentUSA Review Summary

Our Final Thoughts

PaymentUSA rates as a reliable credit card processing provider. Its clean complaint record across consumer protection websites is encouraging and suggests positive performance overall. However, the absence of comprehensive details prevents us from considering it a top-tier, all-purpose merchant account provider at this time.

Our assessment of PaymentUSA may evolve once the BBB establishes a formal profile and more feedback becomes available. It’s worth noting that PaymentUSA is sometimes confused with “Paymentus,” an online billing solution. However, the two companies are separate and unrelated. We advise potential clients to verify their choice thoroughly before signing up and to compare PaymentUSA’s pricing with other highly rated merchant account providers.

Location & Ownership

The company appears to be partnered with multiple domestic and international banks, but it may have changed its acquiring bank after shifting its focus away from high-risk sectors. Chase James is a managing partner at PaymentUSA, which is headquartered at 6671 S Las Vegas Blvd, Las Vegas, Nevada 89119. The company may also share ownership with a Los Angeles-based company called Empire Business Solutions.

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Testimonials & Complaints

How Did PaymentUSA Treat You?

2 User Reviews

  • August Josephine

    I’ve been using PaymentUSA for my business transactions, and I must say, it’s been an incredible experience! Their seamless payment processing solutions have made handling transactions a breeze. The platform’s user-friendly interface makes navigation super smooth, allowing me to process payments with ease.

    What truly impressed me was their top-notch security measures, ensuring all my sensitive data is well-protected. It gives me great peace of mind knowing that my customers’ information is in safe hands. The customer support team has been nothing short of exceptional; they’re always quick to respond and resolve any queries promptly.

    PaymentUSA has definitely streamlined my business operations, saving me valuable time and effort. I can’t recommend them enough to fellow business owners looking for a reliable and efficient payment processing solution. Kudos to the PaymentUSA team for providing such a fantastic service!

  • Legend Kim

    I’ve been using PaymentUSA for my business transactions, and I must say, it’s been an absolute game-changer! Their services are top-notch and have significantly improved the way I handle payments. The user-friendly interface makes it a breeze to navigate, even for someone like me who isn’t tech-savvy.

    With PaymentUSA, I can process payments swiftly and securely, giving my customers the confidence they need when buying from my online store. Their customer support team is exceptional, always ready to assist and resolve any queries promptly.

    My favorite part is the range of payment options they offer, making it convenient for my clients to choose their preferred method. Since I started using PaymentUSA, my business has experienced increased customer satisfaction and smoother financial transactions. I can’t recommend PaymentUSA enough to fellow entrepreneurs looking for a reliable and efficient payment processing solution!

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