# Payment USA > Transparent merchant services and credit card processing for businesses nationwide. Interchange-plus pricing, no contracts, no hidden fees. ## About Payment USA is a merchant services company headquartered in Arlington, Texas, founded by Chase James. We provide transparent credit card processing with interchange-plus pricing — the only model that shows merchants exactly what they pay. We serve 5,275+ merchants across all 50 states with a 4.9-star rating. ## Contact - Phone: (833) 493-7633 - Website: https://paymentusa.com - Email: support@paymentusa.com ## Services - [Credit Card Processing](https://paymentusa.com/services/credit-card-processing): Interchange-plus pricing with full fee transparency - [Cash Discount Program](https://paymentusa.com/services/cash-discount-program): Eliminate up to 100% of processing fees compliantly - [E-Commerce Processing](https://paymentusa.com/services/ecommerce-credit-card-processing): Online payment gateways and virtual terminals - [High-Risk Merchant Services](https://paymentusa.com/services/high-risk-merchant-services): Accounts for industries other processors decline - [MOTO Merchant Accounts](https://paymentusa.com/services/moto-merchant-accounts): Mail order and telephone order processing - [Retail Merchant Services](https://paymentusa.com/services/retail-merchant-services): POS systems and in-store payment terminals - [Payment Processing Services](https://paymentusa.com/payment-processing-services): Full-service payment processing solutions - [Payment Solutions](https://paymentusa.com/payment-solutions): Customized payment technology for every business type - [Merchant Services](https://paymentusa.com/merchant-services): End-to-end merchant account management ## Industries Served - [Restaurants](https://paymentusa.com/industries/restaurants) - [Healthcare](https://paymentusa.com/industries/healthcare) - [Retail](https://paymentusa.com/industries/retail) - [Professional Services](https://paymentusa.com/industries/professional-services) - [Automotive](https://paymentusa.com/industries/automotive) - [Salons & Spas](https://paymentusa.com/industries/salons-spas) - [Contractors](https://paymentusa.com/industries/contractors) - [E-Commerce](https://paymentusa.com/industries/ecommerce) - [Nonprofits](https://paymentusa.com/industries/nonprofits) - [Dentists](https://paymentusa.com/industries/dentists) - [Law Firms](https://paymentusa.com/industries/law-firms) - [Medical Offices](https://paymentusa.com/industries/medical-offices) - [Hotels](https://paymentusa.com/industries/hotels) - [Gyms](https://paymentusa.com/industries/gyms) - [Gas Stations](https://paymentusa.com/industries/gas-stations) - [Veterinarians](https://paymentusa.com/industries/veterinarians) - [Churches](https://paymentusa.com/industries/churches) - [Food Trucks](https://paymentusa.com/industries/food-trucks) - [Property Management](https://paymentusa.com/industries/property-management) ## Locations - [Dallas](https://paymentusa.com/locations/dallas) - [Fort Worth](https://paymentusa.com/locations/fort-worth) - [Arlington](https://paymentusa.com/locations/arlington) - [Houston](https://paymentusa.com/locations/houston) - [San Antonio](https://paymentusa.com/locations/san-antonio) - [Austin](https://paymentusa.com/locations/austin) - [Plano](https://paymentusa.com/locations/plano) - [Frisco](https://paymentusa.com/locations/frisco) - [McKinney](https://paymentusa.com/locations/mckinney) - [Texas (Statewide)](https://paymentusa.com/locations/texas) - [Nationwide](https://paymentusa.com/locations/national) ## Key Resources - [Free Savings Review](https://paymentusa.com/savings-review): Upload your statement for a free fee analysis - [Compare Processors](https://paymentusa.com/compare): Payment USA vs Square vs Stripe vs Toast vs Clover - [Blog](https://paymentusa.com/blog): Guides on processing fees, pricing models, and merchant tips - [Payment Processing Glossary](https://paymentusa.com/glossary): Definitions of common payment processing terms - [Videos](https://paymentusa.com/videos): Educational video content about merchant services ## Key Facts - Pricing Model: Interchange-plus (cost-plus) — you see the bank's cost and our markup separately - Contracts: Month-to-month, no cancellation fees, no early termination penalties - Setup: Most merchants approved and processing within 24-48 hours - Average Savings: $4,176/year for merchants who switch - Rating: 4.9 stars from 5,275+ reviews - Founded by: Chase James, 15+ years in the payments industry ## Frequently Asked Questions Q: How much does credit card processing cost? A: Processing costs vary by business type and volume. Most merchants pay between 1.5% and 3.5% per transaction. Payment USA uses interchange-plus pricing so you see exactly what you're paying. Q: Do you require long-term contracts? A: No. Payment USA operates on a month-to-month basis with no cancellation fees or early termination penalties. Q: What is a cash discount program? A: A cash discount program allows merchants to eliminate up to 100% of credit card processing fees by offering a small discount to customers who pay with cash. It's fully compliant with Visa and Mastercard rules. Q: How fast can I get set up? A: Most merchants are approved and processing within 24-48 hours. We handle the paperwork and equipment setup. Q: What is interchange-plus pricing? A: Interchange-plus separates the card network's base cost (interchange) from the processor's markup. You see both line items on every statement, so you always know exactly what you're paying. Q: Can you help high-risk businesses? A: Yes. We specialize in high-risk merchant accounts for industries like CBD, firearms, nutraceuticals, and adult entertainment that other processors decline. Q: What's the difference between flat-rate and interchange-plus pricing? A: Flat-rate (like Square at 2.6%+10¢) charges the same rate regardless of card type. Interchange-plus shows the actual card cost plus a fixed markup, which is almost always cheaper for businesses processing over $10,000/month.