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Trust Payments Review
Discover the comprehensive Trust Payments review covering features, pricing, and why it stands out as a global payments platform.
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Trust Payments Merchant Services
Trust Payments provides payment tools that help businesses accept cards online and in store. This UK-based global platform serves merchants across multiple industries with multi-currency support and secure payment processing. The company handles transactions through a converged commerce approach that works across different sales channels. With over 25 years of experience and regulation by the UK Financial Conduct Authority, Trust Payments offers a comprehensive payment solution for businesses of all sizes.
What Trust Payments Offers
Trust Payments delivers payment processing services for e-commerce, point of sale, mobile and omnichannel transactions. The platform supports merchants in standard and high-risk industries with access to multiple acquiring banks and alternative payment methods. Businesses can accept credit cards, debit cards, digital wallets like Apple Pay and Samsung Pay, plus recurring and subscription payments across multiple currencies.
Key Features of Trust Payments
Trust Payments is a robust global payments platform designed to provide businesses with comprehensive payment services that cover online, mobile, and in-store transactions. Regulated by the UK Financial Conduct Authority and the Malta Financial Services Authority, it offers secure, scalable solutions tailored for various industries, including high-risk sectors. With over 25 years of expertise and a global footprint, Trust Payments combines advanced features, seamless integrations, and dedicated account management to deliver an optimal checkout experience for merchants and customers alike.
- Supports multiple payment methods including credit cards, contactless, digital wallets like Apple Pay and Samsung Pay, and alternative payments.
- Integrates with third-party platforms and APIs for seamless omnichannel payments.
- Uses TRU Fraud Check, an AI-powered fraud prevention system.
- Features multi-currency support with flexible settlement options.
- Uses TRU Fraud Check, an AI-powered fraud prevention system.
- PCI DSS Level 1 certified and a Principal Member of Visa and Mastercard.
- Flexible account setup with dedicated account managers across countries and sales channels.
- Integrates with third-party platforms and APIs for seamless omnichannel payments.
Pros and Cons
Trust Payments is a leading global payments platform known for its robust and secure payment solutions tailored to businesses of all sizes. With over 25 years of experience and regulation by top authorities like the UK Financial Conduct Authority and Malta Financial Services Authority, Trust Payments offers comprehensive services that span online payments, point of sale, mobile payments, and omnichannel commerce. Its advanced fraud prevention, multi-currency support, and flexible account setup make it a preferred choice for merchants operating in diverse industries, including high-risk sectors.
Advantages
- Strong global reach with support for multiple currencies and sales channels
- Advanced fraud prevention powered by artificial intelligence (TRU Fraud Check)
- Comprehensive payment solutions covering online, mobile, and in-store transactions
- PCI DSS Level 1 certified and principal member of Visa and Mastercard
- Flexible account setup with dedicated account managers across different countries
- Seamless integrations with third-party platforms, APIs, and customisable hosted payment pages
- Supports a wide range of payment methods including credit card payments, contactless payments, and digital wallets like Apple Pay and Samsung Pay
- 24/7 customer support and extensive partner network
Disadvantages
- Pricing details are not publicly available and require direct enquiry for customised quotes
- The platform’s comprehensive feature set may be complex for small or simple payment needs
- Contract terms may include early cancellation fees or long notice periods depending on the agreement
- May not be the best solution for very small businesses or those seeking straightforward, low-cost payment processing
- Some users report a learning curve when integrating and configuring advanced features
Trust Payments Pricing
Trust Payments uses a customised pricing model based on business size, transaction volume and industry risk level. The company doesn’t publish standard rates and requires merchants to contact them for quotes. Pricing typically includes transaction fees, monthly charges and setup costs that vary by business requirements.
Who Trust Payments Suits
The platform benefits medium to large businesses, international companies needing multi-currency support, high-risk industries requiring specialised processing, enterprises with omnichannel operations, and merchants seeking advanced fraud protection. Smaller businesses may find simpler alternatives more cost-effective.
Industry Use Cases
Trust Payments works well for e-commerce retailers with international sales, hospitality businesses processing multiple payment types, professional services requiring subscription billing, high-risk sectors like gaming or travel, and large enterprises needing unified payment systems across multiple channels and locations.
Alternatives to Trust Payments
When exploring alternatives to Trust Payments, several leading providers stand out for their unique strengths and capabilities:
Leading Alternatives to Trust Payments
Stripe
Stripe is favoured by developers and startups for its highly customisable API and ease of integration. It excels in online payments, subscription billing, and marketplace payments, providing flexible tools to build tailored payment experiences.
Adyen
Adyen is renowned for its global omnichannel payment solutions, offering seamless integration across online, mobile, and in-store channels. It supports a wide range of payment methods and currencies, making it an excellent choice for businesses with international reach and complex sales channels.
Worldpay
Worldpay offers comprehensive payment processing services with a strong presence in retail and e-commerce. Its robust suite of POS systems and merchant services supports businesses of all sizes, delivering reliable processing and extensive support for multiple payment types.
Each of these providers brings distinct advantages, whether it’s Adyen’s global reach, Stripe’s developer-friendly platform, or Worldpay’s extensive POS solutions. Merchants should evaluate their specific business needs, transaction volumes, and integration preferences when comparing these options to find the best fit.
Integration and Technical Setup
Merchants connect Trust Payments through APIs for websites and mobile apps, point of sale terminal integration for retail locations, or hosted payment pages for simple web checkout. The platform offers developer resources and technical support to help businesses implement the payment system across their operations.
Customer Reviews and Reputation
Trust Payments maintains positive merchant feedback with a 4.4 out of 5 rating on Trustpilot based on nearly 300 reviews. Users praise the platform’s reliability, customer support quality, and advanced fraud protection features. The company’s long-standing reputation and regulatory compliance contribute to merchant confidence.
How Independent Merchant Services Supports UK Businesses with Payment Gateway Selection
At IMS, we serve as an independent adviser to UK businesses seeking the right payment gateway by offering:
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FAQs about Trust Payments
Here are 10 common questions and answers about Trust Payments
Trust Payments supports a wide range of payment methods including credit and debit cards, contactless payments, digital wallets like Apple Pay and Samsung Pay, alternative payment methods, and recurring subscription payments.
Integration times vary depending on business complexity, but most merchants can complete onboarding and start processing payments within a few days to a couple of weeks with the help of dedicated account managers and technical support.
Yes, Trust Payments offers multi-currency support and enables merchants to accept payments in over 160 currencies, making it suitable for businesses with international customers.
Yes, Trust Payments specialises in serving high-risk industries by providing customised underwriting, enhanced fraud prevention, and compliance tools tailored to regulated and complex sectors.
Trust Payments uses TRU Fraud Check, an AI-powered fraud detection system, along with 3D Secure authentication and PCI DSS Level 1 compliance to protect merchants from fraudulent transactions and reduce chargebacks.
To lower your Trust Payments fees, reach out to Independent Merchant Services for expert assistance. They can help you negotiate exclusive rates as low as 0.26%, tailored to your business needs and transaction volume. Contact IMS today to secure the best possible pricing and optimise your payment processing costs.
Yes, Trust Payments provides solutions for online payments, point-of-sale systems including countertop POS systems, mobile payments, and omnichannel commerce, allowing businesses to accept payments across multiple channels.
Trust Payments offers 24/7 customer support with dedicated account managers, multilingual teams, and multiple contact channels including phone, email, and live chat to assist clients across different countries.
Yes, Trust Payments includes a virtual terminal feature that allows merchants to accept credit card payments over the phone, fax, or mail order, supporting one off payments and recurring billing.
Trust Payments stands out as a one stop shop for payment services with strong global payments platform capabilities, advanced fraud prevention, and flexible account setup. It competes with leading brands like Adyen, Stripe, and Worldpay, especially for businesses requiring international support and high-risk industry expertise.
Get a Comparison
If you're searching for the best UK payment gateways to suit your business needs, Independent Merchant Services (IMS) offers expert guidance to help you compare and choose the most competitive merchant services. As a trusted intermediary, IMS connects you with over 90% of the UK's leading card payment processors, ensuring you get tailored solutions with transparent pricing and no hidden fees.
Whether you operate online, in-store, or via mobile payments, IMS can help you find the best payment gateway provider that fits your industry and transaction volume. Don’t risk overpaying or getting locked into unfavourable contracts, take advantage of IMS’s free comparison service and expert advice to optimise your payment setup today. Complete our quick enquiry form now to discover how you can save on fees and improve your payment experience with the best UK payment gateways.
Roger Milne Founder and CEO of Independent Merchant Services, has helped UK businesses access better payment gateways and lower transaction costs since 2012 through transparent advice and exclusive provider rates.
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