Trust Payments review UK, and how to judge a Trust Payments quote

What is Trust Payments?

Trust Payments is a payments group working across the UK, EU and US, offering card acquiring, an online payment gateway, card machines, Tap to Pay on Android and its own EPOS software. In the UK the companies are split by job. Acquiring is provided by TrustUK Payments Ltd; the gateway and point of sale services by Trust Payments (UK) Ltd. TrustUK Payments Ltd is authorised by the FCA as an Authorised Payment Institution under the Payment Services Regulations 2017, firm reference 932557.

Its paperwork shows some history. The gateway terms still hosted on its site are issued by Securetrading Limited under company number 4591066, the same Companies House number Trust Payments (UK) Ltd uses today. Trust Payments says it is a principal member of Visa and Mastercard and is licensed as a Financial Institution by the MFSA in Malta.

Trust Payments fees and pricing

Here is everything Trust Payments publishes about price, as of 1 November 2026:

Trust Payments describes its point of sale pricing as transparent and fair, “with no hidden fees or charges”, but lists no prices. We would rather see a number. Every other line above is a finding: Trust Payments sets each price per business, and you will only see it on a quote.

Trust Payments card machines

The point of sale page lists four terminals: Castles VEGA 3000C (countertop), Castles Saturn 1000 (Android terminal), Ingenico Move 5000 (portable), Ingenico Desk 5000 (countertop). Prices and rental terms for each are not published. For mobile traders there is Tap to Pay on Android, which needs a compatible Android phone or tablet with NFC and Google Mobile Services, running the Tap to Pay by Trust Payments app, and no card reader. Our Tap to Pay comparison lists the providers that publish a phone-payment rate.

How to cost a Trust Payments quote on a £5,000 a month shop

Because nothing is published, the useful sum runs backwards: what is the most a Trust Payments quote can cost and still match a provider whose price you can check? For the house shop taking £5,000 a month, the published benchmarks are:

• £5,000 × 1.69% = £84.50 (no contract, reader bought outright)
• Square: £5,000 × 1.75% = £87.50 (reader £19 + VAT)
• £5,000 × 1.2% = £60.00, plus £15.00 for the Dojo Wired = £75.00

Take the benchmark, subtract whatever Trust Payments charges each month regardless of sales (terminal rental, monthly service fee, PCI fee), and divide by £5,000. That is the highest all-in card rate the quote can carry:

Every £10 of fixed monthly charges takes 0.2 percentage points off the rate you can afford. “All in” means the card rate across your real mix of debit, credit, business and international cards, plus any per-payment authorisation fee spread over your takings. If Trust Payments quotes per card type, multiply each rate by your own share of that card, add the pence fees, and compare the total with the table. Our free statement review will do it from your current statement and the quote side by side.

Trust Payments contract and cancellation terms

The merchant acquiring terms are not published, so the contract length, notice period and any early exit fee are all Not published. Ask for the full agreement, not a summary, before you sign. The only contract on the public site is the Securetrading Limited Payment Gateway Terms and Conditions, version 1.4, June 2016. It covers the payment gateway, not card acquiring, and runs for an initial term ending on the first anniversary of the date you sign the Pricing Schedule, then automatic one-year extensions; you can leave on two months’ written notice, once the initial term has ended. Treat it as a sign of how Trust Payments has written contracts before, not as your terms.

One protection to know: the PSR's rule limiting terminal rentals to an initial 18 months binds the 14 providers it names, and Trust Payments is not on that list. So check the rental term in writing rather than assuming the cap applies.

Trust Payments business funding through YouLend

Trust Payments customers can apply for a merchant cash advance from YouLend. Per Trust Payments' page, the fee is fixed upfront, typically 10 to 20% of the amount financed, with no interest and no early repayment fee, repaid as a fixed percentage of your daily card sales (no sales, no repayment), over a typical 6 to 12 months. On a £10,000 advance:

£10,000 × 10% = £1,000.00 at the low end, and £10,000 × 20% = £2,000.00 at the high end, so you repay £11,000.00 to £12,000.00. YouLend sets up a new settlement account with its banking partner Banking Circle, which receives your card takings and passes them on minus the repayment. Trust Payments says it is not a broker or credit dealer; YouLend sets the terms. Our YouLend review and business funding guide compare it with other lenders.

Trust Payments alternatives

If you want a price you can check today, SumUp (1.69%) and Square (1.75%) publish theirs and need no contract. For a quoted terminal provider with published hardware prices, Dojo lists terminal rentals from £15 a month. For a multi-channel business like the ones Trust Payments targets, our payment gateway comparison and Adyen review cover providers that publish online rates.