Credit card processing built around your business.
USA Payments handles in-person, online, and high-risk merchant accounts across the US and Canada. With 15 sponsor banks behind them, they build a setup around how your business actually runs instead of one plan for everyone. Moda members start with a free rate review.
No upfront fees. Replies within an hour during business hours, 9am to 8pm Eastern. Texting is fine.
USA Payments is an independent, paid Moda advertising partner. This page describes their services and is not a guarantee of approval, pricing, or savings.
USA Payments at a recent industry expo.
For Moda members: Moda members get a free rate review and a complimentary cost analysis. Mention Moda when you reach out and a specialist walks through your current setup with you, at no cost and no obligation.
One team for card payments across the counter, online, and everywhere in between, matched to your business by a specialist rather than a one-size signup form.
In-person processing
Terminals and countertop card readers for retail, restaurants, and any face-to-face sale.
Online and ecommerce
Payment processing for your website or online store, including hosted checkout and payment links.
Invoicing
Send invoices your customers can pay by card, with reminders and tracking built in.
ACH and bank transfers
Bank-to-bank electronic payments for recurring billing and larger transactions.
POS hardware
Point-of-sale terminals and systems, with free placement for qualifying clients.
SaaS and platform integrations
Payment processing built into software platforms, so payments run inside the tools you already use.
How getting set up works.
Custom from the first conversation. No rate is quoted before a specialist understands your business.
01
Tell us about your business
Send the quick quote form, or call or text the office. Share your business type and rough monthly volume so the right options come back.
02
We match you and quote it
A specialist reviews your setup across 15 sponsor banks and puts together a custom quote. Some clients choose a cash discount program, others a flat rate. It depends on your situation.
03
Get set up with no upfront fees
There are no upfront fees to start. Qualifying clients get terminals and POS systems placed for free, and you are billed monthly or daily, whichever you prefer.
Get your free Moda rate review.
Send this over and a specialist reaches out, usually within an hour during business hours. Coming through Moda flags you for the free rate review automatically. No cost and no obligation.
Why they are on Moda
A long-time member, now an official vendor.
USA Payments has been part of the Moda collective for years, as a member and a genuine supporter of the community. This page is the next step: an official spot for the businesses across Moda that need a straightforward way to accept card payments.
USA Payments is a paid partner in the Moda vendor program, which is how this page exists. That means a real perk for members, the free rate review, sorted out up front. It does not mean Moda sets your rates or approves your account; those are handled by USA Payments and its sponsor banks. Do your own diligence the way you would with any processor, and if anything about the partnership feels off, tell the Moda team on the report page.
All of them, from retail counters and restaurants to online stores and service businesses. USA Payments specializes in high-risk and specialty merchants that other processors turn away, and works with 15 sponsor banks, so most business types can be placed.
The fine print.
Moda is a community and lifestyle brand, not a payment processor, bank, or financial advisor. This page describes an independent, paid advertising partner and is not financial advice.
USA Payments is an independent company. Approval, pricing, rates, and terms are set by USA Payments and its sponsor banks, not by Moda. Nothing on this page is a guarantee of approval, a specific rate, or any amount of savings, and what a business pays depends on its own situation.
Cash discount and surcharge programs are subject to card-network rules and to state and local laws that vary by location. A USA Payments specialist reviews what applies to your business before any program is set up.
See where your rates really stand.
Send the quick form or call the office, mention Moda, and a specialist puts together a free rate review for your business. No upfront fees, no obligation.
USA Payments is an independent, paid Moda advertising partner. This page describes their services and is not a guarantee of approval, pricing, or savings.
