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Can Businesses Trust USPAY Group With Their Payments?

Name: USPAY Group
Item: USPAY Group
Rating: 3
Author: Phillip Parker

Author: Phillip Parker

Updated: October 1, 2025

Maintained Since: December 3, 2015

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

USPAY Group

Rating

3/5

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Pros

Video training available

No startup fee

Interchange plus pricing

Cons

No public pricing

Early termination fee

Monthly fees charged

Three-year contract

Important terms undisclosed

Overview

In this review of USPAY Group, a well known merchant account provider, we take a close look at their services with a focus on industries such as healthcare, hospitality, and restaurants. We’ll examine their rates, fees, contract terms, and common complaints while also reviewing industry ratings and customer feedback to reveal both strengths and challenges. The analysis covers their payment processing solutions, mobile payment options, compliance standards, and additional offerings like loyalty programs. We’ll also discuss the company’s ownership, leadership, and corporate structure, along with any lawsuits or fines that affect their reputation. By breaking down their online ratings, service costs, and contract terms, this review provides a balanced view of USPAY Group’s pros and cons, highlighting their marketing strategies and employee feedback to help businesses decide whether partnering with USPAY Group is the right choice for their payment processing needs.

About USPAY Group

Screen Capture of USPAY Group Homepage — USPAY Homepage

Based in Levittown, New York, USPAY Group is a merchant account provider that formerly operated under the name “Premier Merchant Processing.” A company representative has asked us not to refer to Paya as the company’s backend payment processor in this review, but the USPAY Group website listed Paya Services as one of the company’s partners for a long time. USPAY Group’s specialty areas include healthcare merchant accounts, hotel merchant accounts, and restaurant merchant accounts.

Products & Merchant Services

Payment Processing

USPAY Group processes major credit and debit cards for a wide range of businesses. Their services include point-of-sale (POS) solutions, ACH and check processing, mobile payment options, access to the USPAY Gateway for online transactions, the VIMAS online merchant account management tool, and gift and loyalty programs.

Mobile Payment Solutions and Compliance

The company provides mobile payment solutions, allowing merchants to accept payments via mobile devices. They also offer check services and emphasize the importance of PCI compliance, which comprises security standards to ensure the secure handling of credit card information.

Additional Merchant Services

USPAY Group also offers gift and loyalty card programs to help businesses retain customers and boost sales. They have a referral program, although specific details about this program are not readily available online.

Customer Reviews & Sentiment

Analysis of USPAY Group Feedback

In our review, we found more than 10 negative USPAY Group reviews. However, none label the company as a scam or ripoff. These reviews also encompass complaints regarding Premier Merchant Processing due to the apparent close relationship between the two entities. Recurring issues highlighted by customers include persistent telemarketing efforts, lack of transparency in contract terms, and dissatisfaction with the professionalism of the sales process. Despite these issues, the overall volume of USPAY Group complaints is relatively low, showing a modest decrease since the introduction of the USPAY Group brand. We invite customers to share their experiences and post their own USPAY Group review in the comments section below.

Customer Support Offered by USPAY Group

USPAY Group is committed to providing robust support through phone and email for all its merchants, indicating a strong emphasis on customer service and satisfaction.

Industry Scores & User Ratings

Online Ratings Summary
BBB Rating	1.14
Google Maps	2.8
Average Rating	1.97

USPAY Group BBB Rating

USPAY Group currently has an “A+” rating with the Better Business Bureau and has been accredited since July 2010. The company has received 4 total complaints in the past 3 years. None of the complaints were resolved to the satisfaction of the merchant. USAPAY Group has a 1.14 out of 5 star rating based on 7 user reviews on the Better Business Bureau website.

What Merchants Say

In addition to 4 complaints, USPAY Group has acquired 4 informal reviews on its BBB profile in the last 3 years, 3 of which are negative in tone and 1 of which is positive. The most recent review details issues with customer service:

Absolutely horrible service! I have been a customer since 2018 and haven’t used the processor in over 2 years. I called to cancel and they are charging me the $495 because my contract auto- renewed 2 months ago. Then they send me an e-mail telling me that they value me as a long time customer and would like to earn my business back. I am in the customer service business too and I can assure you that is is no way to earn anyone’s business. AVOID AT ALL COSTS. In addition, their fees are very high and they change you a high authorization fee and surcharges.

Clients who find themselves in an expensive contract may obtain some relief by seeking a third-party statement audit to renegotiate undisclosed fees.

An “A” Performance Overall

In light of USPAY Group’s complaint total and resolution ratio, we agree with the BBB’s rating.

Google Maps Rating for USPAY Group

USPAY Group has a 2.8 out of 5 star rating based on 35 user reviews on Google Maps.

Positive Feedback

I had a wonderful experience with the responsiveness of their customer service team. My email request was returned within hours same day and my issue was resolved. Best processor we’ve used so far. Highly recommend!

Negative Feedback

This is a terrible service. Customer service is not helpful. Cheap but not worth it. In my opinion, many things were selectively omitted in the contract to mislead customers.

Processing Rates & Fees

Three-Year Agreement

Based on client feedback, it seems that the typical USPAY Group contract entails a three-year commitment with an annual account fee of $79, an early termination fee ranging from $250 to $495, an annual PCI compliance fee of $99, and a monthly non-compliance fee of $14.95. These fees may fluctuate based on business size, type, and processing history.

Prior Relationship with Northern Leasing

Previously, USPAY Group’s “Partners” page listed Northern Leasing Systems as its equipment leasing provider. Northern Leasing Systems is ranked among the lowest-rated providers on CPO, known for imposing long-term, non-cancellable lease agreements resulting in substantial costs. For context, most payment terminals can be acquired for under $500. A USPAY Group representative has informed us that the company has “no connection to Northern Leasing whatsoever.” However, we find it pertinent to mention USPAY Group’s past association with Northern Leasing in this review. While it seems that USPAY Group has severed ties with Northern Leasing, prospective clients are advised to verify this before enrolling. We also recommend businesses explore our curated list of the top merchant accounts.

No Significant Red Flags

Overall, USPAY Group’s contract terms seem to align with industry standards. There have been few complaints regarding USPAY Group’s rates and fees. Consequently, we have assigned it a “B” rating in this category.

USPAY Group offers its proprietary payment gateway

Lawsuits & Legal History

There have been no significant class-action lawsuits or Federal Trade Commission (FTC) complaints identified against USPAY Group. Clients seeking alternative resolutions are encouraged to report their concerns to relevant regulatory bodies, which can aid in achieving a fair outcome.

Employee Reviews & Sales Practices

In-House Sales Team

USPAY Group appears to primarily utilize telemarketing, inside sales representatives, and online advertising to market its services. The company does not advertise openings for independently contracted sales agents, and there are no complaints that describe a typical “hiring mill” environment at the company. This compares favorably to our list of best credit card processors.

Some Negative Reports

There are a few USPAY Group reviews that mention persistent, aggressive telephone calls in which the caller attempted to mislead the business about their identity and intentions. Other USPAY Group complaints cite misrepresentation of per-transaction rates and nondisclosure of fees, particularly early termination fees. If you suspect that you have been charged undisclosed USPAY Group fees, we recommend seeking an independent, third-party statement audit.

Complaints From Agents

The Glassdoor profile and the comment section on this profile for USPAY Group include a handful of complaints that describe the inside sales environment as unprofessional and prone to high turnover. These factors in combination have lowered the company’s score to a “B,” which is consistent with our grade for Premier Merchant Processing.

USPAY Group Competitors

Compare USPAY Group to competitors that earned top marks.

Pricing

Bottom Line

USPAY Group is currently recognized as a better-than-average credit card processing provider. The company has accrued relatively few complaints, which primarily focus on issues surrounding the sales process. Pricing and fees offered by USPAY Group are typical for the industry, lacking standout features that would classify them as particularly economical or competitive compared to lower-cost options available in the market.

For businesses contemplating utilizing USPAY Group for their processing needs, it is advisable to avoid entering into long-term equipment leases. These leases can often prove to be financially burdensome over time, tying businesses to unfavorable terms that might not align with their evolving needs. As part of their due diligence, business owners should thoroughly review all contract terms and consider alternatives that offer more flexibility and potentially lower costs, ensuring they choose a credit card processing solution that aligns with both their current and future financial strategies.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact USPAY Group

Contact & Customer Support
CEO	Gary Ramesberger
COO	Kristy Richardson
Headquarters	525 Broadhollow Rd 2nd Floor, Melville, NY 11747
Toll-Free Customer Support	(866) 725-8500
Fax	(888) 796-7738
Website	uspay.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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