Still Paying Full Price on Every Credit Card Transaction?
Most businesses overpay on processing every single month — and their provider is counting on them never finding out. We show you exactly where the fees are hiding.
Takes 60 seconds. No obligation.
"We had no idea how much we were overpaying until Payment USA showed us the breakdown. Saving over $400 a month now."
Merchants Who Switched, In Their Own Words
Thirty seconds each. No scripts, no actors — just merchants who agreed to talk.
Harmony in the Falls
Susan on what working with Payment USA has been like.
Pro Care Auto
An Arlington auto shop on switching processors and cutting card fees.
Montana Restaurant
A restaurant owner on what switching actually did for their bottom line.
They all started the same way — one statement, sixty seconds.
Get My Free Savings Review →No switching required. We just show you the fees.
How Much Are You Losing to Processing Fees?
If you're overpaying by just $400/month, here's what that costs you:
That's money you'll never get back
That money should be in your business.
Find out in 60 seconds →Three Steps. Sixty Seconds. Real Answers.
No sales pitch. No runaround. Just a clear look at what you're paying and whether we can do better.
Send Us One Statement
Upload or email your most recent processing statement. That's all we need. Takes 60 seconds.
We Find the Hidden Fees
Our team reviews every line — interchange, markups, junk fees, padding. We find what your current provider doesn't want you to see.
You Decide With Real Numbers
We show you a side-by-side comparison. If we can save you money, you'll see exactly how much. If we can't, we'll tell you. No pressure either way.
Your three steps start with one number: what you pay now.
Show Me What I’m Overpaying →Takes 60 seconds. No obligation. No switching required.
What Your Processing Looks Like Now vs. With Us
What Most Providers Do
- Confusing statements designed to hide markups
- Rates that creep up after you sign
- Long-term contracts with early termination fees
- Support tickets instead of phone calls
- No transparency on interchange pass-through
- "Low rate" bait-and-switch pricing
What Payment USA Does
- Clear, readable statements — every fee explained
- Your rate is your rate. No surprises, no creep
- No contracts — stay because it works, not because you're locked in
- Call us and a real person answers
- Transparent interchange-plus or dual pricing
- We show you the math before you decide
Want to see this comparison run on your own statement?
Compare My Current Rates →Takes 60 seconds. No obligation. No switching required.
Merchants Who Stopped Overpaying
Real feedback from real businesses. No inflated numbers.
"We had no idea how much we were overpaying until Payment USA showed us the breakdown. Saving over $400 a month now."
"No contracts, no surprises. First time in 10 years I actually understand my processing statement."
"Switched to cash discount and eliminated our processing fees completely. Should have done it years ago."
Every one of them started with the same free review.
Start Mine →Real People. Real Stories.
No scripts. No actors. Just merchants who wanted to share.
Ice House Liquor Store
"Charlie's Angels" can't stop laughing — or stop raving about their POS system and our support team.
Automotive Store
We saved them thousands on processing. Then we helped rescue 20+ cats from their lot. That's just how we do business.
What Merchants Are Saying on Google
Real reviews from real business owners, pulled live from our Google Business Profile. Nothing edited, nothing filtered.
That was them. Here’s what your statement looks like.
Get My Free Savings Review →We read your last statement and show you the fees line by line. No switching required.
We Build Processing Around How You Do Business
Every business accepts payments differently. Here's how we help.
Not sure which setup fits how you take payments?
Get My Free Savings Review →Takes 60 seconds. No obligation. No switching required.
If You Accept Payments, We Can Probably Save You Money
We work with businesses across every industry. Here are some of the most common.
Whatever you sell, the fees work the same way — and so does the fix.
Check My Processing Fees →Takes 60 seconds. No obligation. No switching required.
Credit Card Machines Built for How You Take Payments
Dejavoo, PAX, and Valor terminals — pre-programmed for cash discount, dual pricing, or interchange-plus processing. EMV chip, contactless, and Apple Pay ready out of the box.
- Free equipment for merchants processing $25,000+/month
- WiFi, 4G, and Ethernet options — countertop, handheld, or mobile
- PCI-compliant with end-to-end encryption on every transaction
Not sure which machine is right for your counter?
Talk To Us — Free Review →Takes 60 seconds. No obligation. No switching required.
We'll Rebuild Your Website Too — Free With Your Account
Stuck with an outdated website that's costing you customers? When you switch to Payment USA, our in-house design team rebuilds your site to look modern, professional, and drive more foot traffic and online bookings.
BrightSmile DentalIronclad Auto RepairVelvet & Vine Salon
A modern, conversion-focused website designed to turn local searches into booked appointments. Every section engineered to build trust and drive action.
- Built to convert visitors into paying customers
- Mobile-first design that looks stunning on every device
- SEO-optimized so locals find you on Google
- Modern aesthetics that build instant trust
Built by Payment USA AI Studio — our team that builds websites, AI voice agents, and chat bots for local businesses.
Best Rates, Best Service — And a Thank You Every Quarter.
Exclusive to our Cash Discount Program merchants. You're already saving thousands by eliminating processing fees — we just wanted to give a little something back on top of that.
Rewards available exclusively to active Cash Discount Program merchants. No contracts. No catches.
Questions We Hear Before Merchants Switch
Is there really no contract?
Correct. No long-term contracts, no early termination fees. You stay because we're saving you money, not because you're locked in. If it's not working, you can leave anytime.
How do you make money if you lower my fees?
We make a small margin on every transaction — just like any processor. The difference is we don't hide it. You see every line on your statement, and our margin is transparent.
What's a cash discount or dual pricing program?
It's a fully compliant program where the processing fee is passed to card-paying customers through a small service fee. Your cash and debit customers pay the listed price. Many businesses eliminate 100% of their processing costs this way.
Will switching cause downtime for my business?
No. We handle the full transition and ensure there's no gap in your ability to accept payments. Most merchants are fully switched over within a few business days.
What if you can't save me money?
We'll tell you. If your current rates are already competitive, we'll let you know and shake your hand. No pressure, no hard sell. That's the whole point of the free analysis.
Schedule a 10-Minute Call
Prefer to speak directly? Book a quick call below. Fast, no-pressure call. We'll just look at the numbers.
60 seconds · No obligation
Headquartered in Arlington, Texas. Serving Businesses Everywhere.
We started in the DFW Metroplex and now serve merchants across the country. Local roots, national reach.