Is Trust Payments a legitimate, regulated company?

Yes. Trust Payments is a regulated financial institution, licensed by the MFSA in Malta and authorised by the FCA for UK operations, and is a principal member of Visa and Mastercard. That gives it more oversight than a typical payment service provider.

What is Trust Payments' Trustpilot rating?

As of June 2026, Trust Payments holds 4.1 out of 5 on Trustpilot across 414 reviews. Reviews are polarised: strong praise for individual account managers sits alongside complaints about onboarding follow-up and post-contract support.

How much does Trust Payments cost?

Trust Payments does not publish public rate cards; pricing is quote-based and depends on your turnover, sector, and setup. Going through Merchant Advice, we aim to secure preferential rates rather than the standard first offer.

Does Trust Payments support high-risk sectors?

High-risk support is not specifically evidenced on their site. If you trade in a higher-risk sector, we can tell you honestly whether Trust Payments fits, or match you with a specialist acquirer that underwrites your vertical properly.

How do I get preferential rates with Trust Payments?

Complete the enquiry form on this page. Merchant Advice places merchants with Trust Payments directly, so we can put your application in front of the right team and push for better terms than going direct.

Trust Payments Review 2026 – Fees & Rating

Trust Payments Review

Trust Payments is a regulated, MFSA-licensed processor and principal Visa and Mastercard member, offering gateway, acquiring, POS, and commerce under one roof. Here's our independent view - and how to get preferential rates if it fits your business.

Regulated financial institution (MFSA-licensed, FCA-authorised)

Combined gateway and acquirer - one integration

Rated 4.1/5 on Trustpilot (414 reviews)

Placed directly through Merchant Advice

Our verdict

Trust Payments is a credible, well-regulated choice for mid-sized and larger merchants who want one provider across online, in-store, mobile, and unattended payments.

Its strength is breadth: a combined gateway and acquirer, broad international coverage, and a genuine omnichannel platform. Its main trade-offs are opaque pricing and a polarised support reputation - which is exactly where going through a broker helps.

What Trust Payments offers

Online payments. The TRU Connect gateway, hosted payment pages, API integration, Dynamic Currency Conversion, and 100+ currencies with full SCA / 3-D Secure handling.

In-store and unattended. Ingenico and Castles terminals (including the Android Saturn 1000), next-day settlement, and self-service / EV-charging payments.

Mobile and Tap to Pay. An in-app gateway, plus Tap to Pay on both iPhone and Android for hardware-free contactless acceptance.

Acquiring. Direct acquiring as a principal Visa and Mastercard member - a single integration for gateway and acquirer, with settlement in 14 currencies.

Beyond payments. The Trust Retail suite (ePOS, inventory, self-checkout, loyalty) and revenue-based business financing via YouLend.

Strengths

Regulated and accountable. An MFSA-licensed institution and principal scheme member, not just a reseller.
One provider, fewer moving parts. Combined gateway and acquirer can mean simpler integration and faster settlement.
Genuinely omnichannel. Online, in-store, mobile, unattended, and retail commerce under one platform.
International reach. 100+ currencies and broad European alternative-payment-method coverage.

Watch-outs

No public pricing. Rates are quote-only, so it's easy to accept a first offer that isn't competitive.
Onboarding can stall. Several reviewers describe delays after submitting documents - set timelines early.
Support is variable. Experience appears to depend heavily on the account manager you're assigned.
Not for everyone. Limited fit for micro-merchants, plugin-heavy stores, or explicitly high-risk sectors.

What customers say on Trustpilot

Trust Payments holds 4.1 out of 5 across 414 reviews - Trustpilot's "Great" band. The picture is polarised rather than middling.

The positives. Named account managers and support staff are praised repeatedly for responsiveness and problem-solving, with several partners and long-standing clients calling it a reliable, scalable payments partner.

The negatives. A real cluster of one-star reviews cite onboarding that goes quiet after document submission, slow support follow-up, fee disputes, and friction around cancellation. The takeaway: most merchants rate it highly, but a minority hit serious onboarding and support snags.

Think Trust Payments could fit? We'll tell you honestly, and aim to get you preferential rates rather than the standard offer.

Get preferential rates

Who Trust Payments is best for

It suits mid-sized to larger omnichannel retailers and hospitality businesses, international merchants needing multi-currency acceptance, and operators wanting unattended or self-service payments. It's a weaker fit for very small or micro-merchants, plugin-dependent stores, or businesses in higher-risk sectors that need specialist underwriting.

Pricing and approval

There's no published pricing - you'll need a quote, and the headline rate rarely tells the whole story. Onboarding is presented as fast (as little as three days), though reviews suggest realistic timelines can run longer. As a regulated institution with its own acquiring licence, Trust Payments underwrites in-house.

Why go through Merchant Advice

We're an independent broker, not an affiliate. If Trust Payments is the right fit, we place you directly and push for preferential rates rather than the first offer. If it isn't, we'll say so and match you with a provider that suits your business better - at no cost to you.