Know what you're paying.
See what you could save.

Start with your complete statement, not just the quoted rate. We compare total fees with the matching card sales, separate processor charges from underlying costs, and show what another option could change. If your current pricing is competitive, we tell you.

Statements combine sales, deposits, underlying card costs and processor charges, often with unfamiliar labels. A “discount” can be a processing charge, and Amex fees may arrive on a separate bill. We explain the terminology and match the right costs to the right sales.

Interchange is an underlying cost associated with card transactions. It varies with the card and how the payment is accepted. It is separate from the processor markup, and a processor cannot simply make those underlying costs disappear.

Yes. Bring every page of a recent statement and any separately billed Amex charges. We explain the fees and effective rate, then compare your costs with the options available for your business. The review is free and there is no obligation to switch.

Your underlying interchange and network costs are shown separately from the processor markup. That separation makes it easier to see what the processor charges. Your total still depends on your card mix, transactions and other account fees.

A cash discount offers a reduction from the posted card price for paying cash. Dual pricing displays cash and card prices. These differ from adding a surcharge above an advertised price. We help choose and configure a program with the appropriate pricing, disclosures and payment-method treatment.

Properly implemented programs can offset up to 100% of processing fees. We review your business, payment methods and applicable requirements, explain which costs are covered, and help with setup. We do not assume every program fits every merchant.

Payment USA coordinates the transition so you can keep accepting payments without processing downtime. We arrange setup and testing before moving you away from the existing processing setup.

Qualifying merchants processing $25,000 or more per month can receive free modern equipment. We confirm eligibility and the right setup for your business before you decide. We will explain any equipment costs upfront.

Sometimes. It depends on compatibility and whether the device is locked to another provider. If new equipment is the better fit, eligible merchants can receive a pre-programmed terminal. For a Wi-Fi terminal, setup generally starts with connecting it to your Wi-Fi.

Setup and switching typically take approximately 1–3 business days, depending on approval, equipment and your circumstances. We confirm your setup steps and equipment delivery timing with you.

Next-day funding is available for most merchants, and same-day funding is available for qualified accounts. We explain your account’s funding schedule before you switch.

Yes. You have a dedicated U.S.-based Payment USA account manager who knows your account. They can help with statement questions, processing and problems that arise. Agents may also provide after-hours assistance. Your account manager will explain how to reach them when you need help.

No contracts. No early termination fees. Payment USA never charges a cancellation fee on any account we offer. You can cancel anytime.

Let your account manager know and we will explain the account-closing steps. Payment USA does not charge a cancellation fee. We want you to stay because the service works for your business.

No. Book your 10-minute conversation first. Statement upload becomes available after booking and is optional. If you have it handy, adding it helps us discuss your actual numbers; if not, bring your questions to the call.