PaymentUSA 2023: Card Processing Reviews & Complaints

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Company Overview

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.

Article Summary

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. (

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

PaymentUSA services
Some of PaymentUSA’s services

PaymentUSA Customer Reviews

Here's What Their Clients Say

Key Points

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

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.

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. 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

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

Key Points

Processing Rates 1.00% - 4.99%
Cancellation Penalties Unclear
Customer Surcharge 4.00%
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 payment gateway

PaymentUSA offers e-commerce services including a payment gateway and a virtual terminal

PaymentUSA Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

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 according to all available information, but we have not seen enough to consider it a top all-purpose merchant account provider. The company enjoys a clean complaint record across all consumer protection websites for the time being. Our rating may be subject to change once the BBB establishes a profile for PaymentUSA. It should be noted that the company may be confused with an online billing solution called “Paymentus”, but that these companies are separate and unrelated entities.

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Your Comments & Reviews

How Did PaymentUSA Treat You?

2 Responses

  • 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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