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Trust Payments Review & Fee Analysis
Trust Payments is a global payments platform, with operations focused in the UK, the European Union (EU) and the United States (US). Headquartered in London, the company serves over 20,0000 merchants globally. Its clients range from SMEs to large enterprises, with a strong presence in eCommerce, gaming, travel, hospitality, and retail. It is suited for businesses seeking an all-in-one payment solution with flexible pricing and multi-currency support.
- Type: Global acquirer, gateway, and processor
- Card Schemes: Mastercard, Visa, American Express, Diners Club, JCB, and Discover
- Fee Structure: Bespoke fees tailored to individual businesses and card turnover
- POS Terminals: Ingenico Move 5000 POS (portable), Castles VEGA 3000C POS (countertop), Castles Saturn 1000 POS (Android smart terminal)
- Online payments: Hosted payment pages, Virtual Terminal (MOTO), Pay by Link, API integration with shopping carts and third-party platforms
- Funding Speed: Next-day settlement
- Digital Wallets & APMs accepted: Apple Pay, Google Pay, PayPal, Alipay, Bancontact, BitPay, EPS, iDEAL, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, Satispay, SEPA, and Trustly.
- Risk Tolerance: Medium-High, as it supports regulated and higher-risk sectors, including gaming, travel, FX, and crypto.
- International capabilities: Accepts 160+ currencies, with settlement in 14 currencies (including GBP, EUR, and USD)
- Suited to: Established SMEs and mid-market firms with sector-specific needs, such as retail, travel, hospitality, gaming, crypto, and financial services, or companies with international payment needs involving multi-currency processing.
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Overview
Trust Payments is a regulated financial institution, payment processor and gateway provider. Its Converged Commerce platform enables customers to make seamless purchases or payments across various channels, including in-store, online, mobile, and through emerging channels such as social media and voice-activated devices. With 24 years of experience, it positions itself as a one-stop shop for businesses, offering comprehensive solutions for payments and commerce.
Trust Payments Fees
Trust Payments does not publish standard rates or provide a public quotation tool; bespoke rates are supplied to businesses upon direct inquiry. Fees will depend on the merchant’s turnover, average transaction value, sales channels, and sector. We can help you obtain bespoke rates tailored to your specific business performance variables.
As with other providers, charges such as authorisation fees, PCI fees, chargebacks, or terminal rental may also apply and will appear on the monthly statement.
For businesses requiring a high-risk merchant account, Trust Payments applies additional monitoring charges. You can see additional fees in its ‘High-Risk Monitoring Fees’ document, such as £100 re-instatement charges, a monthly “risk premium” fee of £50 for sectors such as Forex or Crypto, and additional monthly fees (£500-£1,000) for merchants exceeding chargeback or fraud thresholds.
Trust Payments Card Machines
Trust Payments currently lists three card terminals for in-person payments: the Ingenico Move 5000 (a portable terminal for table service or mobile use), the Castles VEGA 3000C (a countertop terminal for fixed tills), and the Castles Saturn 1000 (an Android smart POS for businesses wanting advanced features and app integrations).
| Device | Type | Key Features | Typical Use Case |
|---|---|---|---|
| Ingenico Move 5000 | Portable terminal | Pocket-sized with extended battery life, wireless payments (Wi-Fi/4G/Bluetooth), accepts chip & PIN, contactless, swipe, Apple Pay & Google Pay, large colour touchscreen | Ideal for mobile businesses, table service, and payments indoors or outdoors |
| Castles VEGA 3000C | Countertop terminal | Fixed location, supports all major cards plus Apple Pay, Samsung Pay & Google Pay, Ethernet/Wi-Fi connectivity, PCI compliant, next-day settlement | Best for retail counters or hospitality tills needing stable, plug-in connectivity |
| Castles Saturn 1000 | Android smart POS | 5.5” colour touchscreen, front/rear cameras, robust PCI/EMV security, Wi-Fi/4G, integrates with Trust Payments’ Converged Commerce platform, accepts all payment types, including digital wallets | Suited to businesses wanting advanced features, app integrations, and flexible connectivity |
Note: Additional devices may be available depending on your specific business requirements.
All of its card machines are PCI Level 1 compliant, ensuring data security and encryption at the highest industry standards. Merchants will also benefit from around-the-clock support, available 24/7 by phone, email, or chat. Underwriting and account setup should be completed within 48 hours, enabling businesses to begin taking payments within three working days.
Trust Payments Online Payment Solutions
Through its TRU Connect gateway, Trust Payments offers merchants a flexible range of online payment tools. Options include hosted payment pages for quick deployment with brand customisation, and full API integration for businesses wanting maximum control. A merchant can also accept payments via Pay by Link or use a Virtual Terminal for MOTO transactions.
Their payment gateway supports multiple languages, helping merchants localise the checkout experience for international customers.
On the payments side, merchants can accept a wide choice of methods:
- Cards: Visa, Mastercard, American Express, Diners/Discover, JCB,
- Digital Wallets: Apple Pay, Google Pay, PayPal
- Bank & Local Methods: Alipay, Bancontact, BitPay, EPS, iDEAL, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, Satispay, SEPA, and Trustly.
The gateway supports over 160 currencies and offers Dynamic Currency Conversion (DCC), which allows customers to pay in their home currency while merchants remain in their own.
Security & Compliance
Trust Payments emphasises its expertise in compliance, fraud prevention, and scalability for businesses operating in higher-risk or complex regulated markets, offering a comprehensive suite of AML and fraud detection tools.
All Trust Payments card machines and online tools are PCI DSS Level 1 certified. For in-person transactions, devices support EMV chip & PIN, magstripe, and NFC/contactless payments, with encryption protecting sensitive data throughout the process.
Its online gateway is protected through TRU Fraud Check, an AI-driven system that analyses transactions in real time to detect suspicious activity and reduce chargebacks. 3-D Secure authentication is also supported to help merchants meet PSD2 Strong Customer Authentication (SCA) requirements.
Merchants can also utilise the TRU Insight analytics platform, which provides dashboards covering payment volumes, chargebacks, fraud incidents, customer behaviour, and geographic trends. This data can help businesses stay compliant and minimise fraud, whilst also allowing them to recognise revenue opportunities, compare competitor businesses, and tailor customer engagement strategies.
International Payment Processing Capabilities
The platform supports 160+ currencies with settlement in 14 currencies (including GBP, EUR, USD). Features such as Dynamic Currency Conversion (DCC) and multi-language checkouts make it well-suited for cross-border commerce in sectors like travel, hospitality, and e-commerce.
Alternatives to Trust Payments
Major global competitors offering all-in-one payment platforms —including gateway, acquiring, and international support — are Ayden (known for its unified commerce platform), Stripe, Checkout.com, and Worldpay.
Trust Payments’ UK base and its focus on European markets see it compete directly with other key players in the region, including PayU, Square, and Mollie.
Trust Payments recognised for its specialisation in specific sectors such as regulated markets (like gaming/gambling) and high-complexity environments. They therefore compete with specialised providers that offer tailored compliance and risk management solutions, such as Paysafe Group (Skrill and Neteller), and Nuvei, which are specialists in gaming and sports betting. The complex E-commerce space sees them competing with Ecommpay, Merchant Connect, or Fibonatix.
Business Health & Future Prospects
Trust Payments Ltd group companies’ accounts made up to 31 December 2023
| Title | 2023 | 2022 |
|---|---|---|
| Gross Revenue | £179.2m | £151.5m |
| Net Revenue | £104m | £96.1m |
| Gross | £58.8m | £57.5 |
| EBITDA | (£10m) | £15.5m |
| Net merchant retention | 100% | 100% |
The group experienced significant growth in 2023, with Merchant numbers increasing by 28%. This was partly achieved by rebalancing its merchant portfolio, reducing the overall percentage of merchants in higher-risk sectors. Although gross revenue grew by 18% in 2023, the portfolio rebalancing has led to a reduction in gross margin, reflecting its lower-risk profile.
In July 2024, the company announced it had reached a significant milestone by surpassing £1 billion in processing volumes within a single month for the first time. This figure highlights both its rapid growth since its relaunch in 2019 and its expanding footprint across sectors such as e-commerce, travel, and gaming.
The business also announced that it had delivered on its two primary strategic goals: firstly, it delivered year-on-year growth of 75% in its core markets of retail, hospitality and leisure; and secondly, by investing heavily in the systems, products and people to deliver exceptional innovation for our merchants into 2024 and beyond.
Trust Payments’ “Converged Commerce” and its integrated solutions (e.g., Trust Retail) are explicitly designed to meet the demand for digital, cashless and embedded payments. Global cashless payment volumes are projected to more than double by 2030.
The industry is moving toward instant, low-cost cross-border transactions. Providers that offer solutions to simplify global payments, such as Trust Payments, are well positioned for future expansion.
Customer Service and Tech Support
Merchants can contact Trust Payments by phone in the UK and Malta, or via WhatsApp. Support is available 24/7 by phone, email, or online chat.
- UK: +44 333 240 6000
- Malta: +356 2778 0902
Latest Trust Payment News
- Trust Payments announced an exclusive deal with Numark and Pharmacy Services UK in July 2025 to handle payment services across their pharmacy networks.
- Trust Payments struck a new agreement with Orchestr in July 2025 to deliver pan-European acquiring services. This enables merchants using Orchestr to access regulated acquiring via Trust Payments, simplifying cross-border payment flows.
- Laurence Booth was appointed as the new CEO in March 2025, and Luke Flomo as Chief Revenue Officer in May 2025.
- In 2025, Trust Payments was nominated as a finalist in the PayTech Awards for “Best Consumer Payments System.”
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