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Trust Payments

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: 1 of 4 dimensions proven

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by Trust Payments Group Limited · trustpayments.com

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Read this page as one judge. Each weighs the same scores by what they care about.

The panel's verdict

Trust Payments' public pages identify the company unusually well and document the payment product barely at all. Licence and account terms is the strongest criterion, flat at 4: the footer names regulated entities with supervisors and register numbers — TrustUK Payments Ltd under the Financial Conduct Authority (reference 932557) and Trust Payments (Malta) Limited under the Malta Financial Services Authority (C56013) — though which entity contracts in which market is not stated. Payment methods and recurring billing sit at 0: the pages name channels (hosted payment pages, payment links via WhatsApp, SMS and email, IVR, in-person point-of-sale) but no shopper payment method, and no public information appears on card-on-file, merchant-initiated transactions or dunning. Settlement and reconciliation holds at 1, checkout and SCA at 1 except the e-commerce lead's 2 — nothing is published on 3-D Secure, SCA exemptions or payout schedules. Sovereignty runs 1–2; the payments engineer and finance lead credit the Malta licence's genuine EU footing, while lower scores weigh an England-and-Wales primary entity and unstated data residency. No price appears anywhere.

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Speaks for it

  • Regulated entities named with supervisors and register numbers — TrustUK Payments Ltd (Financial Conduct Authority, reference 932557) and Trust Payments (Malta) Limited (Malta Financial Services Authority, C56013).
  • Payment channels named across remote and in-person sales — hosted payment pages, payment links via WhatsApp, SMS and email, IVR, and counter, tableside and mobile point-of-sale.
  • Onboarding stated at as little as 3 days.
  • Localised 24/7 multilingual support is stated.

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Held against it

  • No customer payment method is named; 'single point of entry to 50+ global banks' describes acquiring reach, not what shoppers can pay with.
  • No public information on 3-D Secure, SCA exemption handling or fraud screening for any checkout route.
  • No public information on card-on-file, merchant-initiated transactions, SEPA mandate handling or dunning for recurring revenue.
  • No payout schedule, settlement currencies or per-transaction fee breakdown published.
  • No public information on safeguarding of merchant funds, chargeback fees, reserve conditions or termination notice.

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Best for

  • You are vetting payment providers on regulatory identification and want entities, supervisors and register numbers up front.
  • You take remote payments by link or phone — payment links via WhatsApp, SMS and email and IVR payments are among the named channels.
  • You sell in person at the counter, tableside or on the move and want point-of-sale named alongside remote channels.
  • You need to be live quickly — onboarding is stated at as little as 3 days.

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Avoid if

  • You run recurring revenue and need card-on-file, merchant-initiated transactions and dunning documented before you commit — the captured pages show none of them.
  • You must plan per-market checkout coverage (for example SEPA Direct Debit or iDEAL) from public documentation — the pages name no shopper payment method.
  • Your finance function needs a published payout schedule, settlement currencies and fee breakdown before opening an account — ask the vendor: the public pages we read do not show it
  • You need to contract with an EU entity in your market — ask the vendor: the public pages we read do not show it

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The scores

Payment methods & local coverage

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How this is scored

Which methods a European customer can actually pay with — cards and wallets, SEPA Direct Debit, and the local methods that decide conversion per country — judged on the named list per market rather than on a method count.

0 — Cards only, or a method list with no statement of which countries and currencies each one covers.

3 — Major cards and wallets plus one or two European methods, with local coverage stated vaguely ("many local methods") and no SEPA Direct Debit.

5 — Cards, Apple Pay and Google Pay, SEPA Direct Debit, and the main local methods for DACH and Benelux (iDEAL or Wero, Bancontact, Klarna or invoice) listed by name with the countries they serve.

8 — Broad EU coverage named per country — including methods such as BLIK, TWINT, Przelewy24, EPS and Wero — multi-currency acceptance with settlement currencies stated, and which methods support refunds and recurring charges documented per method.

10 — Coverage is documented as a matrix a merchant can plan against: every method with its countries, currencies, refund, partial-capture and recurring support, and the provider's own acquiring versus third-party routing stated per method.

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The Finance Lead

The captured pages name no payment method at all — no cards, no wallets, no SEPA Direct Debit, no iDEAL or Bancontact — and the only coverage statement is "single point of entry to 50+ global banks", which names no country, currency or method a customer can actually pay with. I found no public information on which local methods are offered per market. 1

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The E-Commerce Lead

Not a single payment method is named on the captured pages — no card brand, no SEPA Direct Debit, no iDEAL or Bancontact — only "50+ global banks", which is a bank count rather than a method list per market. We found no public information on which countries and currencies any method covers, so there is nothing here to plan a per-market checkout mix against. 1

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The SaaS Founder

The captured pages name no payment method at all — a single point of entry to fifty-plus global banks tells me nothing my checkout can offer, and I found no public information on SEPA Direct Debit, iDEAL, Bancontact or any local method with its countries and currencies. For a European subscriber base this is unusable for planning. 1

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The Payments Engineer

The captured page names payment channels — IVR, hosted payment pages, payment links via WhatsApp, SMS and email, and point-of-sale — but we found no public information on which payment methods a customer can use, not even cards, let alone SEPA Direct Debit or any local method with its countries and currencies. The "single point of entry to 50+ global banks" line is an acquiring claim, not a method list, so I cannot plan coverage from it. 1

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The Compliance Officer

The captured page names no payment method at all: it describes channels (hosted payment pages, IVR, payment links via WhatsApp, SMS and email) and "50+ global banks" for acquiring, but no cards, wallets or local methods with the countries and currencies they cover. We found no public information on SEPA Direct Debit or any country-specific method. 1

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The Skeptic

The captured pages name payment channels — hosted pages, payment links by WhatsApp, SMS and email, IVR, and point-of-sale — but never name a single customer payment method, and the claim of 50+ global banks describes acquiring relationships, not what a shopper can pay with. We found no public information on which local methods, countries or currencies are covered, and no mention of SEPA Direct Debit anywhere. 1

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Checkout, SCA & fraud

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How this is scored

The path from basket to authorised payment under PSD2: hosted and embedded checkout options, 3-D Secure and SCA exemption handling, fraud screening, and what the provider documents about keeping legitimate payments from failing.

0 — A single redirect page with no statement on 3-D Secure, SCA or fraud screening.

3 — Hosted checkout with 3-D Secure 2 mentioned, fraud screening as an unexplained add-on, and no word on exemptions or declined-payment handling.

5 — Hosted and embedded checkout options, 3-D Secure 2 with SCA handled by the provider, configurable fraud rules, and the resulting PCI DSS scope for each integration type stated.

8 — SCA exemptions (low value, transaction risk analysis, merchant-initiated) applied and documented, fraud tooling with rules and risk scores exposed to the merchant, network tokens or account updater, and liability shift explained per flow.

10 — Authorisation is engineered and shown: exemption strategy documented, soft-decline retry handled, authorisation-rate reporting by method and issuer country, and a checkout the merchant can run in their own domain while staying at the lowest PCI scope.

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The Finance Lead

Hosted payment pages, payment links via WhatsApp, SMS and email, IVR and in-person point-of-sale are documented as channels, which is more than a single redirect page. But I found no public information on 3-D Secure, SCA exemption handling, fraud screening or the PCI DSS scope of any integration, so nothing lets me judge whether legitimate payments survive authorisation. 1

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The E-Commerce Lead

Hosted payment pages, payment links via WhatsApp, SMS and email, and IVR are named as channels, but I found no public information on 3-D Secure, SCA exemption handling, fraud screening, or an embedded checkout I could run on my own domain. The channels are real, yet everything that decides whether a legitimate payment passes is unevidenced. 1

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The SaaS Founder

Hosted payment pages, payment links via WhatsApp, SMS and email, and IVR payments are named, but I found no public information on 3-D Secure, SCA exemption handling or fraud screening. I cannot tell from the capture whether a legitimate payment would survive the challenge flow, let alone what PCI scope I would inherit. 1

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The Payments Engineer

Hosted payment pages are the only checkout surface evidenced. We found no public information on 3-D Secure 2, SCA or exemption handling, fraud screening, or the PCI DSS scope of any integration type — exactly the things that decide whether a legitimate payment authorises and how much cardholder-data burden I inherit. 1

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The Compliance Officer

Hosted payment pages, IVR and payment links are evidenced as checkout routes, but we found no public information on 3-D Secure, SCA exemption handling, fraud screening, declined-payment handling or PCI DSS scope for any integration type. 1

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The Skeptic

Hosted payment pages exist alongside IVR and payment links, so the path to payment is more than a bare redirect, but we found no public information on 3-D Secure, SCA exemption handling, fraud screening or what happens to a declined payment. Nothing here lets a merchant judge whether legitimate payments survive authorisation. 1

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Subscriptions & recurring payments

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How this is scored

Charging the same customer again: card-on-file and merchant-initiated transactions, SEPA mandates, subscription logic and dunning — and whether the stored payment credentials can leave with the merchant.

0 — No stored payment methods; every charge needs the customer to pay again.

3 — Card-on-file tokens for repeat charges, but no SEPA mandate handling, no subscription logic, and failed-payment handling left entirely to the merchant.

5 — Stored cards and SEPA Direct Debit mandates, merchant-initiated transactions documented, and basic subscription plans with scheduled charges and failed-payment notifications.

8 — Subscription billing with trials, proration and plan changes, smart retries and dunning, card account updater, mandate management with pre-notification, and a documented process for exporting payment tokens to another provider.

10 — Recurring revenue is a first-class product: usage-based and invoice-based billing, dunning with measurable recovery, token migration in and out documented with a stated timeline and format, and recurring support stated for every local method that allows it.

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The Finance Lead

I found no public information on stored payment methods, merchant-initiated transactions, SEPA mandate handling, subscription logic, dunning or token export. For a function that lives on recurring revenue, the captured pages give me nothing to assess card-on-file treatment against. 1

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The E-Commerce Lead

We found no public information on stored cards, merchant-initiated transactions, SEPA mandate handling, subscription plans, retries or dunning. Every question a subscription business would ask before switching goes unanswered on these pages. 1

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The SaaS Founder

This is the criterion that decides the deal for me, and I found no public information on it: nothing on card-on-file tokens, merchant-initiated transactions, SEPA mandates, subscription logic, dunning, or whether stored credentials can ever be exported to another provider. A provider that keeps the tokens keeps my customer base hostage, and nothing here says otherwise. 1

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The Payments Engineer

We found no public information on stored payment credentials, card-on-file or merchant-initiated transactions, SEPA mandate handling, subscription logic, retries, dunning, or whether tokens can be exported to another provider. On this evidence I cannot plan a single recurring charge. 1

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The Compliance Officer

We found no public information on stored payment methods, card-on-file or merchant-initiated transactions, SEPA mandate handling, subscription logic, dunning or token portability — nothing in the captured pages evidences that a customer can be charged a second time. 1

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The Skeptic

We found no public information on card-on-file storage, merchant-initiated transactions, SEPA mandate handling, subscription logic or dunning on the captured pages. Silence on whether stored credentials can ever leave with the merchant is, from this chair, the loudest part of the silence. 1

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Settlement, reconciliation & API

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How this is scored

Getting the money and knowing what it was: payout cadence and currencies, fee itemisation per transaction, reports that match a bank statement, and an API and webhooks a team can build finance processes on.

0 — Payouts on an unstated schedule, one net amount per payout, and no API or report beyond an on-screen list.

3 — A stated payout schedule and CSV exports, but fees netted invisibly into payouts and an API with thin documentation.

5 — Payout frequency and delay stated, per-transaction fee breakdown in reports, a documented REST API with webhooks and a test mode, and exports that link each payout to its transactions.

8 — Configurable payout schedules and settlement currencies, reconciliation reports that match bank lines, accounting integrations or exports named, a versioned API with idempotency and published rate limits, and a public status page with incident history.

10 — Finance can close the month from the provider's data: interchange and scheme fees itemised per transaction, automated reconciliation to the ledger, a deprecation policy for the API, and full historical data exportable after the contract ends.

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The Finance Lead

Nothing states when money arrives: no payout schedule, no settlement currencies, no per-transaction fee breakdown, and no report tying a payout to its transactions. Footer links to developer resources and a system status page are the only hint of an API and status feed, and I found no public information on their documentation, reconciliation exports or accounting integrations. 1

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The E-Commerce Lead

The only finance-adjacent signals are a help centre, a system status link and developer resources; I found no public information on payout schedule and currencies, per-transaction fee breakdowns, reconciliation reports or what the API and webhooks actually offer. 1

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The SaaS Founder

The page links to developer resources and a system status area, which hints at an API and a status page, but the capture shows nothing behind them. I found no public information on payout cadence or settlement currencies, per-transaction fee breakdowns, or any reconciliation report that would match a bank line. 1

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The Payments Engineer

We found no public information on payout cadence, settlement currencies, per-transaction fee itemisation, or any report that ties a payout to its transactions. The footer names "Developer resources" and "System status" links, but the capture shows no API documentation, no word on versioning or idempotency, and no incident history behind that status link. 1

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The Compliance Officer

We found no public information on payout schedule or currencies, per-transaction fee breakdown, or reports linking payouts to transactions. Navigation items labelled Developer resources and System status are the only pointers to an API or status offering, and nothing captured shows webhooks, a test mode or a documented API. 1

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The Skeptic

No payout schedule, settlement currency, per-transaction fee breakdown or reconciliation reporting appears anywhere; a System status and Developer resources link are named, but nothing behind them is captured. We found no public information on payout delay or fee itemisation — the two numbers a merchant's finance function cannot do without. 1

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Licence, risk & account terms

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How this is scored

Who holds the merchant's money under which licence, and what the contract lets the provider do on a bad day: freezes, reserves, termination, chargebacks. Scored on what the terms and the imprint state, not on reputation.

0 — No regulated entity named; terms allow freezing funds and terminating the account at any time with no notice, reason or timeline.

3 — A licence mentioned without the entity, supervisor or register number, and terms that permit reserves and holds with no stated limits.

5 — The regulated entity named with its supervisor and licence type, safeguarding of merchant funds stated, chargeback fees and dispute process published, and a notice period for ordinary termination.

8 — Entity, supervisor, register number and passporting stated per country; reserve and rolling-hold conditions defined with limits and release timelines; freeze and termination terms with reasons and a route to appeal; PCI DSS level and attestation published.

10 — The bad day is written down: every regulated entity in the chain named with register links, reserve calculation disclosed, funds release timelines after termination committed, a documented complaint route to the supervisor, and exit terms that include handing back payment tokens and transaction history.

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The Finance Lead

Two regulated entities are named with supervisors and register numbers — TrustUK Payments Ltd under the FCA, reference 932557, and Trust Payments (Malta) Limited under the MFSA with passporting stated — plus a UK company carrying only a company number. What decides a bad day is absent: I found no public information on safeguarding of merchant funds, reserve or rolling-hold conditions with limits, freeze and termination terms, chargeback fees or a dispute process. 1

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The E-Commerce Lead

Identification is unusually strong: TrustUK Payments Ltd with FCA reference 932557 under the Payment Services Regulations 2017, and Trust Payments (Malta) Limited with its MFSA registration and a passporting note. But we found no public information on safeguarding of merchant funds, chargeback fees and dispute process, reserves, or termination notice, so the bad-day terms are unread. 1

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The SaaS Founder

The regulated entities are properly named with supervisors and register numbers — TrustUK Payments under the FCA with reference 932557, and Trust Payments (Malta) authorised by the Malta Financial Services Authority — which is more identification than most homepages show. But I found no public information on safeguarding of merchant funds, reserve conditions, chargeback fees, dispute process or termination notice, and the footer lists several entities, so which one contracts may vary by market. 1

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The Payments Engineer

The captured page names three entities with real regulatory detail — TrustUK Payments Ltd authorised by the FCA under the Payment Services Regulations 2017 (ref 932557), Trust Payments (Malta) Limited authorised and regulated by the MFSA (C56013, exercising freedom to provide services outside Malta), and Trust Payments Ltd with a company number — which clears the entity-and-supervisor bar. What a bad day looks like is unwritten: we found no public information on safeguarding of merchant funds, reserve or hold conditions, chargeback fees, termination notice or any appeal route, and the pages do not say which entity contracts in which market. 1

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The Compliance Officer

Two regulated entities are named with supervisor and register details — TrustUK Payments Ltd authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref. 932557), and Trust Payments (Malta) Limited regulated by the Malta Financial Services Authority (company registration C56013) — which is the disclosure I look for, though the page leaves unclear which entity contracts in which market. We found no public information on safeguarding of merchant funds, reserve and hold conditions, termination notice, chargeback fees or a dispute process. 1

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The Skeptic

The footer names genuine regulated entities with supervisors and register numbers — TrustUK Payments Ltd under the Financial Conduct Authority (ref. 932557) and Trust Payments (Malta) Limited under the Malta Financial Services Authority (C56013) — which is more than a licence badge. But we found no public information on safeguarding of merchant funds, reserve or rolling-hold limits, chargeback fees, dispute process or termination notice, so the picture is half a licence and no contract. 1

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European sovereignty panel opinion

Show reasoning
How this is scored

Who the contracting and regulated entity is, and where transaction and cardholder data are processed and stored. Independently sourced by the sovereignty pipeline. The card schemes are US-based for every provider, so the scheme layer is not held against any one vendor; the part the vendor controls is.

0 — Non-EU contracting entity, no statement on where payment data is processed, and subprocessors unnamed.

3 — An EU licensed entity contracts, but payment and customer data is processed outside the EU by default without an explained safeguard, or the subprocessor list is absent.

5 — EU contracting and regulated entity, EU processing stated for core payment data, but the group parent or significant parts of the chain (fraud scoring, support, analytics) are non-EU without a stated safeguard.

8 — EU entity and EU licence, payment and cardholder data processed and stored in the EU on named infrastructure, subprocessor list published with locations, and a DPA covering the processing the provider does as processor versus as controller.

10 — Sovereign end to end and evidenced: European ownership, EU entity and licence, every processing location and subprocessor European, European rails (SEPA, Wero or national schemes) offered alongside cards, and certifications published.

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The Finance Lead

An EU-licensed entity exists in the chain — Trust Payments (Malta) Limited, authorised by the Malta Financial Services Authority and exercising freedom to provide services outside Malta — but the principal entity named is registered in England and Wales, and which entity contracts in which market is left unclear. I found no public information on where payment and cardholder data are processed, on ownership, or on subprocessors and their locations. 1

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The E-Commerce Lead

The contracting footprint points to a UK entity, with a Malta-licensed entity alongside it, so which entity contracts in each market is unclear; we found no public information on where payment and cardholder data are processed, on ownership, or on subprocessors. The part the vendor controls is essentially unevidenced. 1

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The SaaS Founder

The primary contracting entity is registered in England and Wales, outside the EU, and I found no public information on where payment and cardholder data is processed or which subprocessors are involved. A Malta-licensed entity exists in the footer, but nothing in the capture establishes that it contracts for EU merchants or that any data stays in Europe. 1

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The Payments Engineer

The contracting picture is split — the footer's primary entity is registered in England and Wales, while an EU-licensed entity exists in Malta under MFSA supervision and passports its licence outward, and the captured pages give several entities without saying which one a merchant in a given market signs with. We found no public information on where payment or cardholder data is processed or stored, on group ownership, or on any subprocessor with a location. An MFSA licence is genuine EU footing, but nothing on this page evidences EU data residency. 1

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The Compliance Officer

The entities disclosed are United Kingdom-registered (Trust Payments Ltd and TrustUK Payments Ltd, England and Wales) alongside a Malta-licensed entity, so the contracting entity and its jurisdiction vary by market; we found no public information on where transaction and cardholder data are processed, on any subprocessor with locations, on ownership, or on a DPA distinguishing processor from controller roles. 1

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The Skeptic

The contracting footprint shown is British — Trust Payments Ltd and TrustUK Payments Ltd in England and Wales — with an EU-licensed Maltese entity also listed but no statement of which one contracts for a given market. We found no public information on where payment or cardholder data is processed, on ownership, or on subprocessors; 24/7 multilingual support says nothing about where the data sits. 1

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Pricing transparency not rated — the vendor publishes no price

Show reasoning
How this is scored

Whether a merchant can compute the effective fee for their own mix of cards, countries and methods — including cross-border and currency conversion markups, chargebacks, refunds, payouts and monthly fees — from public pages alone.

0 — No public prices at all; every rate is a sales conversation.

3 — A headline percentage exists, but it is unclear which cards and countries it covers, and cross-border, currency conversion or chargeback fees are unstated — the effective fee is unknowable.

5 — Rates published per main method with domestic and international cards distinguished, but at least one commonly incurred cost (currency conversion markup, chargeback fee, payout or monthly fee) is missing or "on request".

8 — Every method priced publicly, cross-border and currency conversion markups stated, chargeback, refund and payout fees listed, minimum monthly fees and contract term given, and whether the model is blended or interchange++ said plainly.

10 — Complete fee computability: the effective rate derivable for a given volume, card mix and country mix — interchange++ with the markup published or a blended rate with every exception listed — plus volume tiers, reserves and every ancillary fee on a public page.

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The Finance Lead

No public prices at all on the captured pages: no rate per method, no domestic versus international distinction, no currency conversion markup, and no chargeback, refund, payout or monthly fee. For my own mix of cards and countries the effective fee is a pure sales conversation. 1

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The E-Commerce Lead

The captured material contains no rate, fee or pricing figure of any kind, not even a headline percentage, so the effective fee is unknowable from public pages and every rate is a sales conversation. 1

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The SaaS Founder

I found no public pricing whatsoever in the captured pages — no rate, no chargeback fee, no payout fee, no monthly fee. Every number would be a sales conversation, so the effective fee for my card and country mix is not even partially computable. 1

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The Payments Engineer

We found no public prices at all on the captured page: no per-method rate, no cross-border or currency-conversion markup, no chargeback, refund, payout or monthly fee, and no statement of blended versus interchange++. On this evidence every rate is a sales conversation, and the effective fee for any merchant mix is unknowable. 1

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The Compliance Officer

We found no public prices on the captured page — no rate per method or card type, no cross-border or currency-conversion fee, no chargeback, refund or payout fee, and no monthly fee or contract term. Every number in the material concerns onboarding speed, bank count or partner reach, not what a merchant pays. 1

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The Skeptic

No rate appears anywhere on the captured pages — no headline percentage, no per-method pricing, no chargeback, currency conversion or payout fee, no monthly minimum or contract term. Every number a merchant needs is a sales conversation, which from this chair is itself the answer. 1

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European sovereignty — proven facts

1 of 4 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

Ownership Not determined — uncited Report an error
Data residency Not determined — uncited Report an error
Subprocessors Not determined — uncited Report an error

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

Sources (5)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor page trustpayments.com Checked 29 Sep 2026 Details →
  2. 2 Terms of service — found from the homepage www.trustpayments.com Checked 30 Sep 2026 Details →
  3. 3 Payment methods & local coverage — found from sitemap www.trustpayments.com Checked 1 Oct 2026 Details →
  4. 4 Checkout, SCA & fraud — found from sitemap www.trustpayments.com Checked 1 Oct 2026 Details →
  5. 5 Settlement, reconciliation & API — found from sitemap www.trustpayments.com Checked 1 Oct 2026 Details →