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Trust Payments Reviews

Name: Trust Payments
Item: Trust Payments
Rating: 4
Author: Phillip Parker

Author: Phillip Parker

Updated: June 20, 2025

Maintained Since: November 10, 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.

Trust Payments

Rating

4/5

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Pros

Advanced fraud prevention

Comprehensive payment solutions

Flexible integration options

Multiple currency processing

Global e-commerce support

Cons

Undisclosed pricing details

Potential hidden fees

Early cancellation fees

Monthly minimum charges

Transparency concerns

Overview

In this review of Trust Payments, we’ll give an overview of their credit card processing services. We’ll talk about the services they offer, like point-of-sale (POS) systems, mobile payment options, and e-commerce features. We’ll also look at which businesses might benefit from these services. Plus, we’ll check client and customer reviews to show trends and concerns. We’ll go over the company’s pricing, contract terms, and specific services. By the end of this review, you’ll know if Trust Payments is a good fit for your payment processing needs.

About Trust Payments

Screen Capture of Trust Payments Homepage — Trust Payments Homepage

Trust Payments is a large, London-based merchant account provider that serves most standard risk e-commerce business types in the U.S. and UK. Previously known as Secure Trading, the company was founded in 1997 and is a subsidiary of the UC Group. Trust Payments is partnered with multiple acquiring banks and does not list a preferred backend credit card processor on its website. However, information available online suggests that the company is partnered with Barclaycard, Elavon, and First Data (now Fiserv). Readers should be careful not confuse the current Trust Payments with a similarly named company that has since rebranded as Premier One Payments.

In 2022, Trust Payments acquired WonderLane and Stor and partnered with Dejamobile, JCB, FSB, and Certergy. This appears to represent a major expansion on the company’s offerings, and we will be keeping an eye on the company going forward.

Products & Merchant Services

Point of Sale

Trust Payments provides a comprehensive range of point-of-sale (POS) solutions for merchants, including contactless payment, chip and pin entry, magstripe, countertop POS systems, and mobile payment support. They offer 24/7 support for their POS solutions, facilitate transactions in multiple currencies, and provide omni-channel payment options.

Customer Reviews & Sentiment

Clean Complaint Record

Our investigation has uncovered approximately 9 negative reviews concerning Trust Payments. Some of these reviews label the company as a scam or fraud, although these are a minority compared to the substantial number of positive testimonials. We encourage you to add your own Trust Payments review in the comments section below to further inform potential customers.

Trust Payments Lawsuits

No active class-action lawsuits or FTC complaints have been found against Trust Payments, formerly known as Secure Trading. If you are a merchant with unresolved issues, consider reporting them to the appropriate supervisory organizations as a non-litigious alternative.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	1
BBB Rating	N/A
Trustpilot	4.4
Google Maps	5
Average Rating	3.46

PaymentPop Rating for Trust Payments

Negative Feedback

trust payments ruined my business, i had a business where i needed card payment processing facility, i spend lots of money on advertising etc, when it came to customers trying to pay TRUST PAYMENTS LTD had messed things up, now they are threatening with legal action, also they are not responding to my complaint, financial ombudsman is now involved, company is money grabbers, avoid at all cost

Positive Feedback

There are no positive reviews published about Trust Payments on the PaymentPop website.

Negative Feedback

trust payments ruined my business, i had a business where i needed card payment processing facility, i spend lots of money on advertising etc, when it came to customers trying to pay TRUST PAYMENTS LTD had messed things up, now they are threatening with legal action, also they are not responding to my complaint, financial ombudsman is now involved, company is money grabbers, avoid at all cost

Positive Feedback

Trust Payments BBB Rating

Currently Trust Payments does not maintain a profile, however the Better Business Bureau currently maintains a profile for Secure Trading’s Phoenix location, to which it currently assigns an “A+”. The BBBhas not received any complaints about Secure Trading in the past three years, nor has it received any informal reviews. This location is not the primary location for the company, so we will not factor the BBB’s profile into this review at this time.

Trustpilot Rating for Trust Payments

Trust Payments has a 4.4 out of 5 star rating based on 297 user reviews on Trustpilot.

Positive Feedback

Reliability of everything and people are so good to deal with – top rating!!!

Negative Feedback

Absolutely disgusting company forcing huge price rises on small businesses. Avoid this company like the plague

Google Maps Rating for Trust Payments

Trust Payments has a 5 out of 5 star rating based on 15 user reviews on Google Maps.

Positive Feedback

A friend of mine recommended me this company; the rep came over, me met and she calculated how much we could save on our monthly merchant cost. We switched over to them, and we could not be happier. Excellent customer service and great pricing. I would recommend this company to anyone.

Negative Feedback

There are no negative reviews published about Trust Payments on Google Maps.

Processing Rates & Fees

Trust Payments Contract Terms

The Trust Payments merchant agreement outlines a one-year term that automatically renews for additional one-year terms unless a written cancellation notice is provided 180 days before the end of the current term. Merchants are required to fulfill financial obligations for monthly and transaction fees for the duration of the contract term if they choose to cancel. While this requirement resembles a Liquidated Damages clause in effect, the annual term duration limits the potential financial impact of early cancellation.

No Pricing Complaints

Specific rates and fees associated with Trust Payments are not disclosed in the agreement, indicating that merchants should refer to their individual contracts for detailed pricing information. Given the absence of public complaints regarding Trust Payments’ cost structure, it suggests that the majority of Trust Payments’ customers find the pricing acceptable or satisfactory. Merchants are advised to carefully review all contract details, including fees, to ensure they align with their business needs and expectations.

Employee Reviews & Sales Practices

Inside and Outside Sales Staff

Trust Payments appears to primarily market its services via inside and outside sales reps, traditional advertising, and strategic partnerships. There is no evidence at this time that the company employs a large team of independently contracted sales agents, and we cannot find any Trust Payments reviews that specifically mention deceptive tactics by the company’s representatives.

No Deceptive Quotes

Trust Payments also does not list any misleading rate quotes or unrealistic guarantees on its website. In light of these factors, we have assigned the company an “A” in this category for the time being. However, if you suspect that Trust Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Trust Payments Competitors

Compare Trust Payments to competitors that earned top marks.

Pricing

Bottom Line

Secure Trading is regarded as a dependable e-commerce merchant services provider based on the available data. Although public feedback on pricing and customer support is relatively sparse, the absence of serious transparency issues in its marketing materials or contract terms is reassuring. The company has maintained a consistent image, emphasizing clear communication and straightforward agreements, which is crucial in fostering trust with its merchant clients.

However, given the limited amount of public feedback and detailed information on Secure Trading’s practices, our rating may shift as further insights emerge. The current assessment stands as a preliminary endorsement, highlighting the company’s reliability while acknowledging the need for a comprehensive evaluation. As such, prospective clients should consider Secure Trading’s services but remain open to comparisons with other providers to secure the best possible solution for their specific business needs. This approach ensures a well-rounded decision that aligns with their strategic goals in the dynamic world of e-commerce.

Read Actual User Reviews

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

Contact Trust Payments

Contact & Customer Support
CEO	Daniel Holden
Headquarters	No.1 Royal Exchange, London, EC3V 3DG
US Support	+1 (844) 729-9484
UK Support	+44 333 240 6000
Malta Support	+356 2778 0902
Singapore Support	+65 3158 0270
Additional Support Channels	Online Contact Form
Website	trustpayments.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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