Saving money, cutting out the middle man

Getting rid of the middle man allows us to save customers millions a year, helping merchants pocket more of their hard earned money.

Why Us

The Acquirer advantage

USA PAY is a licensed payment processing acquirer. Which gives us direct agreements with both the back and front end networks. Cutting out the various middle men that have cropped up over the years. Allowing us to give merchants special pricing that very few can match.

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What makes us different

Creating partnerships

Research shows merchants rate close partnerships over savings, though savings are nice too. We listened and for 26+ years have customised our service to meet business wants and needs for merchants alike. Merchants want the latest, most secure, and most convenient payment options. With our agreement as an acquirer and state of the art hardware/software, we are able to beat out any competitor. That is a guarantee.

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How we stay ahead

Authorization technology

With our check verification, debit, EBT, and ATM companies, USA PAY direct back end processing solutions control a group of services that others can not match. For merchants dealing with electronic transactions, this means fewer people and more effiencey. USA PAY simplifies your connections for commerce providing the highest level of customer service and the most competitive rates the industry has to offer.

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Sign up process

Accept and recieve payments

USA PAY makes it easy to apply and get approved so that you can start accepting business. Our three step process makes it easy and streamlined for new and existing customers.

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Send in a three month credit card processing statement (not to be mistaken for a financial statement, we know those are personal) and we will show you exactly how much you can save. Once you're ready to sign on, fill out the payment processing application with USA PAY

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Approval and Setup

Once approved, USA PAY will designate the merchant with a personal Payment Represenative that will assist with account related matters going forward. Device setup will also take place at this time.

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Accept Payments

Start accepting payments, whether it's on the go, online, or in your store, USA PAY has got you covered.

Up your game with our dynamic and intuitive APIs

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Gateway APIs

Integrated with tools we know you'll love

The possibilities with our numerous online gateway options are endless.


Don't take it from us

Hear what our great customers have to say and why they love partnering with us.

"I would like to commend USA Payment services on professionalism and sincerity to my company and myself. We are very happy with your company's services and we look forward to a long prosperous relationship."

Thomas G Mills

"I have talked to our CFO on numerous occasions and choosing to process with USA Payment Services was one of our best decisions. We have truly never saved more money on one business decision alone as we did with this one."

Oliver Dawson
Head of Accounting at Chicago Pneumatic

“USA PAY’s personal and exceptional service made the on boarding process simple and efficient.  We have 4 POS terminals at this location and have put their chip and pin readers at each one.  I would suggest this for every Kilwins location. The processing time is extremely quick and efficient.”

Micheal Wellington
Franchise Owner at Kilwins

“Anytime that we had a question, we have recieved only sympethetic and informative answers. Our sales represenative spent time explaining the process without wasting time to the best of her ability and was honest and true to her word.”

Aaron Carson
Co-founder & CTO of BytePress

Our articles on payment tech, sales, and growth

Insights into the industry, helping you understand more of your business.

Request a price quote with one of our solution consultants

A member from our solution consultant team will be happy to help you start your application process with us.

A member from our solution consultant team will be happy to help you start your application process with us.