PaymentUSA 2023: Card Processing Reviews & Complaints
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.
Before we dive in, here’s a short summary of what we’ll cover:
- PaymentUSA’s various payment processing services.
- The company has received few complaints.
- There is little information available about the PaymentUSA contract.
- “FREEDOM” pricing could compete with the cheapest providers.
- The company offers services to standard and high-risk businesses.
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. (https://fleshbot.com/)
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.
Table of Contents
- Costs & Contract: Appears to offer variable contract terms that…
- Complaints & Service: Has received fewer than 10…
- BBB Rating: Does not have a profile with the…
- Sales & Marketing: Appears to hire independently contracted agents but has not…
PaymentUSA Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Only 1 Public Complaint
We have been able to locate just 1 negative PaymentUSA review at this time, which is a strong indication that the company is not a ripoff or a scam. This is especially impressive because of the company’s previous focus on high-risk businesses. If you have your own PaymentUSA review to make, please do so in the comments below.
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. This system appears to do a fine job of resolving customer complaints for the time being, but it is not on the same level as the top merchant accounts for great customer service. 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
- Customer service email address at [email protected]
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
|Processing Rates||1.00% - 4.99%|
|Equipment Lease Terms||Undisclosed|
Variable Contract Terms
There is very little publicly available information regarding the standard PaymentUSA contract at this time. The company’s previous focus on high-risk business types required it to customize its pricing based on each business’ type, size, and processing history. However, it appears that PaymentUSA now has a zero-fee processing program that it recommends to most of its standard-risk clients.
Zero-Fee Processing Explained
Zero-fee processing is an increasingly popular pricing plan that enables clients to charge their customers a fixed service fee (usually around 4%) on all credit card payments, thereby creating generating revenue from these surcharges as opposed to swiped or keyed-in transactions fees. Payment processors like PaymentUSA now offer credit card terminals that automatically apply that surcharge to all qualifying transactions and disclose it on the customer’s receipt. PaymentUSA states that it charges no monthly minimum fees or interchange fees.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, PaymentUSA also mentions a virtual terminal and payment gateway on its website. It is probable that the company’s zero-fee processing pricing applies to its e-commerce platform as well. However, pricing is not disclosed on those services.
No Contract Complaints
We cannot find any complaints about PaymentUSA’s rates and fees at this time, which suggests that the company’s clients are satisfied with the pricing they receive. Although it is unrealistic to expect that PaymentUSA offers all of its services (including its payment processing equipment) completely free to clients, it is possible that the company’s “FREEDOM” pricing could rival the cheapest merchant accounts. If you have any specific knowledge of the standard PaymentUSA contract (including any early termination fees or PCI compliance fees), please share that information in the comment section of this review.
PaymentUSA Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||Yes|
|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.
Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.
Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.