Compliance Disclosures

At USA Biz LLC (DBA USA Payments), transparency is part of how we do business.

We believe merchants should understand how payment processing, underwriting, pricing, funding, compliance requirements, and third-party services actually work before making a decision.

The disclosures below provide additional context regarding statements, products, services, and offers referenced throughout the USA Payments website and our marketing materials.

These disclosures should be reviewed together with our Privacy Policy, Terms & Conditions, applicable merchant agreements, and any other agreements provided in connection with a USA Payments solution.

USA Payments’ Role

USA Payments provides merchant services, payment solutions, payment technology, and related support to businesses across a variety of industries.

Depending on the solution selected, payment processing, merchant acquiring, banking, ACH, payment gateway, software, financing, or other services may be provided by third-party processors, acquiring institutions, sponsor banks, financial institutions, technology providers, or other service providers.

USA Payments is not a bank, card network, government agency, or regulatory authority.

Product availability, underwriting requirements, processing terms, pricing, funding schedules, and eligibility requirements may vary based on the provider and the individual merchant.

Where applicable, USA Payments may operate as an independent sales organization, registered agent, referral partner, or authorized representative of third-party payment providers or financial institutions.

Any required sponsor bank, processor, or registration disclosures will be provided where applicable.

Merchant Account Approval and Underwriting

All merchant account applications are subject to underwriting and approval.

Approval is not guaranteed.

Applications may be evaluated based on factors including, but not limited to:

Industry and business type
Products and services offered
Business history
Ownership and identity verification
Monthly processing volume
Average transaction size
Processing history
Chargeback and refund history
Financial condition
Fulfillment practices
Marketing practices
Licensing and registrations
Transaction risk
Applicable processor, acquiring bank, and card-network requirements

Additional documentation or information may be required during underwriting or after an account has been approved.

A merchant who has previously been declined or terminated by another provider is not guaranteed approval through USA Payments or its partners.

References to improved, higher, or expedited approval opportunities reflect USA Payments’ experience working with specialized industries and multiple processing relationships. Individual results will vary.

Approval Rates and Statistics

Any approval rates, performance statistics, or other numerical results referenced by USA Payments are based on the applicable population, period, eligibility criteria, and methodology used to calculate those results.

Approval rates should not be interpreted as a guarantee that any individual merchant will be approved.

Incomplete applications, businesses operating in prohibited industries, merchants unable to satisfy underwriting requirements, and other ineligible applications may not be included in certain calculations where expressly disclosed.

Past results do not guarantee future outcomes.

Processing Savings

References to potential processing savings, including percentage-based savings claims, represent estimated or historical savings experienced by qualifying merchants under certain circumstances.

Savings are not guaranteed.

Actual pricing and potential savings may vary based on factors including:

Current processing rates and fees
Transaction volume
Average ticket size
Card type and card mix
Transaction method
Interchange qualification
Industry
Risk profile
Equipment or software requirements
Processor
Pricing structure
Existing merchant agreement

A merchant’s actual savings can only be reasonably evaluated after reviewing the merchant’s existing processing costs and the proposed USA Payments solution.

Any savings analysis provided by USA Payments is an estimate unless otherwise stated and should be reviewed together with the complete pricing terms presented to the merchant.

Funding Times

References to next-day funding or other accelerated funding schedules apply only to qualifying merchants, transactions, financial institutions, and processing programs.

Funding times may vary based on:

Processor and acquiring bank
Merchant risk profile
Processing cutoff times
Weekends and bank holidays
Settlement schedules
Transaction type
Reserve requirements
Risk reviews
Chargebacks or disputes
Banking delays
Compliance reviews

Next-day funding is not available for every merchant or payment solution.

Funding may also be delayed, withheld, or placed under review where permitted under the applicable processing agreement.

Account Stability, Holds, Reserves, and Terminations

USA Payments places significant emphasis on account stability, proper underwriting, transparent communication, and proactive merchant support.

Our goal is to help reduce avoidable disruptions by properly understanding a merchant’s business before placement and helping merchants navigate processor and acquiring bank requirements.

However, no payment provider can guarantee that a merchant account will never experience a funding hold, reserve, risk review, processing limitation, suspension, or termination.

Such actions may be taken by acquiring banks, processors, card networks, financial institutions, regulatory authorities, or other providers based on factors including:

Transaction activity
Chargebacks
Fraud
Consumer complaints
Regulatory concerns
Changes in products or services
Changes in processing volume
Changes in fulfillment
Compliance concerns
Misrepresentation
Prohibited activity
Violation of an applicable agreement

References to account stability or reducing the risk of sudden processing interruptions describe USA Payments’ approach to underwriting, placement, merchant support, and risk management. They should not be interpreted as an unconditional guarantee against future account action.

Dual Pricing, Cash Discount, and Surcharge Programs

Dual pricing, cash discount, surcharge, and similar pricing programs are subject to applicable laws, card-network rules, processor requirements, and program-specific requirements.

Availability and permitted program structure may vary by state, jurisdiction, card type, processor, acquiring institution, and merchant type.

Merchants are responsible for properly operating their selected pricing program, including any required:

Consumer disclosures
Signage
Receipt disclosures
Point-of-sale configuration
Pricing displays
Card-type restrictions
Network notifications
Fee limitations

USA Payments may provide technology, implementation assistance, educational information, or guidance designed to help merchants operate these programs appropriately.

USA Payments does not provide legal advice and does not guarantee that a merchant’s individual implementation complies with every applicable law, regulation, or card-network rule.

Merchants should seek independent legal advice when necessary.

PCI DSS and Payment Security

Payment Card Industry Data Security Standard, or PCI DSS, compliance is a shared responsibility.

USA Payments and its processing or technology partners may provide payment technology, compliance resources, security tools, questionnaires, scanning services, tokenization, or other solutions designed to support PCI DSS compliance.

However, merchants remain responsible for understanding and satisfying the PCI DSS requirements applicable to their individual business.

Use of USA Payments or any specific payment-processing solution does not, by itself, make a merchant PCI DSS compliant.

Merchants may be required to complete ongoing compliance validation, security questionnaires, vulnerability scans, or other requirements depending on their environment and processing method.

Healthcare, Pharmacy, Telehealth, MedSpa, and Other Regulated Industries

USA Payments works with businesses operating in healthcare, pharmacy, telehealth, aesthetics, wellness, medical services, and other specialized or regulated industries.

Approval for payment processing does not constitute confirmation that a merchant’s overall business operations comply with applicable federal, state, or local laws.

Merchants remain solely responsible for obtaining and maintaining any licenses, certifications, registrations, prescriptions, authorizations, approvals, policies, and procedures required to legally operate their businesses.

Payment-processing approval should not be interpreted as legal, medical, pharmacy, FDA, DEA, HIPAA, LegitScript, licensing, or other regulatory approval.

Merchants are responsible for ensuring that their:

Products and services are lawful
Marketing claims are compliant
Licensing remains current
Prescribing and telehealth practices comply with applicable requirements
Fulfillment practices comply with applicable law
Data and privacy practices satisfy applicable requirements
Business operations remain consistent with information provided during underwriting

Changes to a merchant’s business model, products, services, ownership, fulfillment practices, website, marketing, or transaction activity may require additional underwriting review.

Third-Party Services and Partners

USA Payments works with a variety of third-party processors, banks, software companies, financial technology providers, compliance companies, associations, and other service providers.

References to third-party products, companies, certifications, or services do not necessarily imply ownership, endorsement, sponsorship, or an exclusive relationship unless expressly stated.

Third-party services are subject to their own terms, eligibility requirements, pricing, privacy policies, underwriting requirements, and availability.

USA Payments does not control all actions, policies, systems, or decisions made by third-party providers.

Competitive Comparisons

USA Payments may reference other payment companies, software providers, card processors, or financial technology platforms for comparative or educational purposes.

All third-party trademarks, brand names, and service marks are the property of their respective owners.

Unless expressly stated, USA Payments is not affiliated with or endorsed by companies referenced for comparative purposes.

Competitor pricing, policies, products, underwriting standards, and service offerings may change over time.

Merchants should independently review the current terms of any payment provider before making a purchasing or processing decision.

Equipment and Promotional Offers

Promotional offers may include equipment, terminals, account credits, waived fees, pricing incentives, or other benefits.

Offers may be subject to eligibility requirements and additional terms.

Depending on the offer, conditions may include:

Merchant account approval
Minimum monthly processing volume
Continued processing
Contract requirements
Equipment return requirements
Specific processors or programs
Availability limitations

Promotional terms will be provided where applicable.

Offers may be modified, discontinued, or withdrawn where permitted by law.

Rates, Fees, and Product Availability

Rates, fees, products, processing methods, integrations, equipment, funding options, pricing structures, banking relationships, and other services may vary by merchant.

Final terms may depend on factors including:

Business type
Industry
Processing volume
Risk profile
Transaction characteristics
Processing history
Equipment requirements
Software integrations
Underwriting
Provider availability

Website content, marketing materials, or preliminary discussions should not be interpreted as final contractual pricing unless expressly stated.

Final pricing and contractual terms are those contained in the applicable merchant processing agreement, proposal, schedule of fees, service agreement, or other executed agreement.

Estimates, Examples, and Illustrations

Examples, scenarios, estimates, calculations, and illustrations provided by USA Payments are intended to help merchants better understand potential payment-processing structures or outcomes.

Unless expressly stated otherwise, examples are illustrative only.

Actual merchant results may differ based on the merchant’s individual circumstances.

No Legal, Tax, Accounting, Medical, or Regulatory Advice

Information provided by USA Payments through this website, its employees, representatives, partners, marketing materials, educational materials, or communications is provided for general informational and payment-processing purposes.

Nothing provided by USA Payments should be interpreted as legal, tax, accounting, medical, clinical, pharmacy, or regulatory advice.

Merchants should consult qualified professionals regarding requirements specific to their business.

Website and Marketing Information

USA Payments makes reasonable efforts to provide accurate and current information.

However, payment-industry requirements, laws, regulations, card-network rules, processor policies, banking requirements, product functionality, pricing, and service availability may change.

USA Payments does not guarantee that all website information will remain current at all times.

Where there is a conflict between information presented on the USA Payments website or in marketing materials and the terms of an executed agreement, the applicable executed agreement will control.

Questions About These Disclosures?

USA Payments believes that merchants deserve clear answers about how their payment processing works.

If you have questions about a claim, product, pricing structure, merchant account, or disclosure contained on our website, please contact us.

USA Payments
3525 Old Conejo Rd, Suite 106
Thousand Oaks, CA 91320

Phone: (877) 267-1555
Email: support@usapayments.com

Last Updated: September 2026

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