Competitive, transparent splits.
Know what you earn and how it is calculated. Talk through the agent economics with our team before you decide.
Merchant services agent program
Competitive splits.
Transparent pay.
A team behind you.
Free AI statement tools, help with most paperwork, and U.S.-based support. Bring your sales experience. We'll back you up.
Talk About the Agent ProgramExperienced agents welcome, with or without a current book.
1099 independent agent opportunity. No obligation to join.
Meet the opportunity.Watch the overview ↗
Competitive splits Free statement reader Most paperwork handled U.S.-based support
01 / Built around your work
More support for the business you're building.
Free AI statement tools.
Turn a merchant statement into a clearer sales conversation. Review current costs and estimated savings with our free reader.
Less paperwork on your plate.
We handle most of the paperwork and help with merchant onboarding, so you can spend more time selling.
A U.S.-based team behind you.
Get agent support and a team that handles merchant service. You have help with the details before and after the sale.
Know the economics
Bring your questions.
Let's walk through the numbers.
Your agent conversation is the place to compare the splits, understand the reporting, and discuss the terms that matter to you.
- How your split is calculated
- What costs or deductions apply
- Payout timing and residual reporting
- What the agent terms mean for your book
Talk About the Agent Program
A 15-minute conversation. No obligation to join.
02 / Merchant growth, powered by AI
AI tools for a
more profitable business.
Help merchants win more customers, book more business, and spend less time on routine follow-up. Payment USA AI brings the tools together to help grow revenue and improve profit margins.
More value for them.
A stronger book for you.
Helping merchants grow gives them another reason to stay with you. That strengthens the relationships behind your residual book.
Merchant AI services are separate from the free agent statement reader. Packages and usage charges depend on the merchant's agreement. Explore AI Studio ↗
PaymentUSAAI
Your business. Connected.
More customers.
Less busywork.
Missed-call text-back
Reconnect with missed callers.
Online booking
Turn interest into appointments.
Website AI chat
Answer questions. Capture leads.
Review requests
Build trust with Google reviews.
Built around your customers.
03 / Let's talk
See how the program fits your next move.
Tell us a little about your experience. Then choose a time for a 15-minute conversation with our team.
- Compare the splits and support.
- Get your questions answered.
- Decide whether we're the right fit.
An existing merchant book is not required.
1099 independent agent opportunity. No obligation to join.
Step 1 of 5
You told us
Your agent toolkit
Useful tools. Ready when you are.
Try the statement reader or open the sales resources below. Already know what you need? Talk with our team.
Try the free AI statement readerReview processing costs and estimated savings.
Upload every page of a merchant statement to review its fees and estimated pricing options. Estimates support the conversation; they are not a quote.
Add every page of one statement (up to 10 files). You can take more photos before analyzing. Analyze separate accounts or periods separately.
Reading the statement…
Usually 20–60 seconds. Detailed statements can take about two minutes.
Keep your numbers. Share the savings.
One PDF includes both savings options and every card-network detail.
Create a report link, then send it from your email app or copy it to share. Anyone with the link can view the PDF for 180 days.
Add your boss or another recipient in the draft, then send. Sharing does not enroll them in Payment USA emails.
Monthly volume
Known fees
Effective rate
Junk fees found
Option A: Interchange Plus
Our Interchange Plus estimate is shown below. The statement's sales or fees need clarification before we can compare savings.
Monthly savings
Yearly savings
Est. effective rate
Monthly cost
Option B: Cash Discount
Monthly savings
Yearly savings
Est. effective rate
Monthly cost
No Junk Fees Detected — Your statement looks clean.
Your Card Network Comparison
Visa / Mastercard / Discover
Gross sales
Settled sales
Effective rate — excludes shared fees
American Express
Gross sales
Settled sales
Effective rate — excludes shared fees
Card-network comparison
American Express details
Visa / Mastercard / Discover details
Every fee on the statement
| Fee | Category | Amount |
|---|
Estimates from one statement, for the conversation — not a quote. Download or share your report above to keep a copy.
Open agent sales resourcesTraining, scripts, business cards and flyers.
Training academyRefresh the fundamentals and practice your pitch.Start training →Phone scriptsConversation starters for merchant outreach.Download scripts →Email templatesA starting point for your next introduction.Download templates →Business cardsCreate personalized Payment USA cards.Make your cards ↗
Your Personalized Sales Flyer
Print-Ready Flyer — Customized With Your Info
Enter your name, phone, and email below. We'll generate a professional, print-ready PDF flyer with an embedded QR code that takes prospects straight to the Savings Calculator.
Customize Your Flyer
Using VistaPrint? Choose their 8.5" × 11" flyer — this file already includes the bleed their printer needs.
Your info is never stored — the PDF is generated entirely in your browser.
PAYMENT USA
Honest & Transparent Merchant Services
Stop Overpaying for
Credit Card Processing.
Credit Card Processing.
CASH DISCOUNT PROGRAM
Eliminate 100% of fees • Legal in all 50 states
⚠ WHY NOT SURCHARGE?
Banned in CT, ME, MA & OK • Fines up to $25,000
COST-PLUS PRICING
Most transparent pricing in the industry
Scan QR to See Savings
paymentusa.com/savings-review
Your Name Here
(555) 123-4567 | you@paymentusa.com
↑ Live preview — your info updates as you type