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TrustUK merchant acquiring

Company overview

About Trust Payments

What the company provides

  • Acquirer
  • Processor
  • Gateway
  • Merchant account provider

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

Trust Payments combines UK and EEA merchant acquiring with the TRU Connect online gateway, hosted and embedded checkout, mobile SDKs, tokenization, fraud controls, payment links, reporting and in-person terminals.

TrustUK Payments Ltd is the documented UK acquiring entity and Trust Payments (Malta) Limited is the documented Malta-regulated acquiring entity. Gateway and POS technology can be contracted separately, so gateway status must not be confused with settlement by the merchant's acquirer.

Founded 2019trustpayments.comUpdated Aug 15, 2026

Selected product

TrustUK merchant acquiring

UK acquiring through TrustUK Payments Ltd

Merchant account & underwriting

  1. Merchant account

    Included: TrustUK Payments Ltd

  2. Merchant underwriter

    Trust Payments reviews merchant applications

    Merchant underwriting is included with this product.

Primary legal entity

Trust Payments Ltd

Jurisdiction
United Kingdom
Registration number
11976895
Company type
Private limited company

Legal entities by jurisdiction

4 legal entities across 2 jurisdictions

  • United Kingdom3 entities
  • Malta1 entity

Operating scale

Customers
≥20,000 customers

The legal entity supplying a product can differ by product and country.

Product portfolio

Trust Payments products

Compare merchant acquiring and card processing and payment technology by account setup, approval, payment or data flow, and contract terms.

TrustUK merchant acquiring

Role in this product

  • Acquirer
  • Payment processor
  • Merchant account provider
  • Merchant settlement
  • Gateway or POS technology

TrustUK Payments Ltd supplies the documented UK acquiring route, merchant account, MID, transaction processing, chargeback management and settlement to the merchant's nominated bank account.

TRU Connect checkout and Trust Payments terminals can be combined with this route, subject to product and merchant approval.

Related services
Alternative payment methodsChargeback managementCurrency conversionDirect APIEmbedded checkoutFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementOmnichannel paymentsPayment linksPayment vaultPoint of saleRecurring billing
Features
AcquiringMerchant accountGatewayCheckoutOmnichannelCurrency managementOnboardingUnderwritingPricingSettlementFraud and riskChargebacksPayment operationsReportingSupportBank account data & verificationCompliance

Trust Payments Malta acquiring

Role in this product

  • Acquirer
  • Payment processor
  • Merchant account provider
  • Merchant settlement
  • Payment gateway

Trust Payments (Malta) Limited is the documented MFSA-authorised payment institution for EEA acquiring and related payment services.

The published freedom-to-provide-services status is a regulatory scope, not a complete operational country list for every product, method, industry or currency.

Related services
Alternative payment methodsChargeback managementCurrency conversionDirect APIEmbedded checkoutFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementOmnichannel paymentsPayment linksPayment vaultPoint of saleRecurring billing
Features
AcquiringMerchant accountGatewayCheckoutOmnichannelCurrency managementOnboardingUnderwritingPricingSettlementFraud and riskChargebacksPayment operationsReportingSupportBank account data & verificationCompliance

TRU Connect online payment gateway

Role in this product

  • Payment gateway

TRU Connect provides hosted Payment Pages, a JavaScript Library, Webservices API, iOS and Android SDKs, shopping-cart integrations, tokenization, payment links, subscriptions, webhooks and Portal access.

A merchant needs an acquiring account and MID; if that account is supplied by another acquirer, the other acquirer owns underwriting and the transfer of settlement funds.

Related services
Alternative payment methodsCurrency conversionDirect APIEmbedded checkoutFraud preventionHosted checkoutPayment linksPayment vaultRecurring billing
Features
GatewayCheckoutCurrency managementClient onboardingUnderwritingPricingFraud and riskPayment operationsReportingSupportBank account data & verificationCompliance

Trust Payments POS and terminal technology

Role in this product

  • Payment gateway
  • Terminal and POS technology

Trust Payments supplies counter-top, portable and Android payment terminals, TRU Link ePOS and PMS connectivity, DCC, Portal reporting and 24/7 support.

The technology can sit alongside a TrustUK or Malta acquiring account or another contracted acquirer, so the POS company is not automatically the merchant's acquirer.

Related services
Currency conversionFraud preventionOmnichannel paymentsPayment vaultPoint of sale
Features
GatewayOmnichannelCurrency managementClient onboardingUnderwritingPricingFraud and riskPayment operationsReportingSupportBank account data & verificationCompliance

Selected product

TrustUK merchant acquiring

Related services
15 capabilities
Features
17 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Acquirer · Payment processor · Merchant account provider · Merchant settlement · Gateway or POS technology
02 · Merchant account
Included: TrustUK Payments Ltd
03 · Merchant underwriting
Trust Payments performs merchant underwriting
04 · Merchant settlement
Custom acquirer to merchant settlement

Selected product: TrustUK merchant acquiring.

Payment processing

TrustUK merchant acquiring: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: UK acquiring through TrustUK Payments Ltd

Included in TrustUK merchant acquiring

Features included with this product.

Solutions
Alternative payment methodsChargeback managementCurrency conversionDirect APIEmbedded checkoutFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementOmnichannel paymentsPayment linksPayment vaultPoint of saleRecurring billing
Capabilities
AcquiringMerchant accountGatewayCheckoutPayment vaultRecurring billingOmnichannelCurrency managementOnboardingUnderwritingPricingSettlementFraud and riskChargebacksPayment operationsReportingSupportBank account data & verificationCompliance

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for TrustUK merchant acquiring; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Acquirer
API-oriented
Yes
Gateway included
Yes
Merchant funds
Handles merchant funds at one or more stages
Merchant funds
Yes
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
Yes
Merchant account
Yes
MID
Yes
Onboarding included
Yes
Merchant account model
TrustUK Payments Ltd provides the approved UK acquiring account and MID. Trust Payments (UK) Ltd can provide the separate gateway or POS layer. The merchant agreement controls currencies, channels, settlement, fees, reserves and permitted business activity.
Availability
For approved UK merchants and only for the products, websites, locations, industries, MCCs, currencies and transaction profile accepted in the agreement.

Merchant account

Merchant account, acquiring and settlement

Capabilities
  • Card acquiring
  • Merchant account and MID
  • Transaction processing
  • Refund and chargeback management
  • Merchant settlement
  • Online and in person acceptance
Merchant account
Yes
Questions to confirm

What dedicated MID applies to UK acquiring through TrustUK Payments Ltd?

Dedicated MID is not specified for UK acquiring through TrustUK Payments Ltd.

What domestic or offshore MID applies to UK acquiring through TrustUK Payments Ltd?

Domestic or offshore MID is not specified for UK acquiring through TrustUK Payments Ltd.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

UK acquiring through TrustUK Payments Ltd may be contracted through different regulated entities or sponsor banks.

Merchant eligibility · UK acquiring through TrustUK Payments Ltd

Can my business apply, and who makes the underwriting decision?

Trust Payments reviews merchant applications.

Merchant eligibility

1 country

UK acquiring through TrustUK Payments Ltd is available to eligible businesses in these countries. Eligibility can differ by product and payment method.

Underwriting decision

Trust Payments reviews merchant applications

Merchant underwriting is included with this product.

Underwriting type
Merchant underwriting
Product
UK acquiring through TrustUK Payments Ltd
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Business bank account

Required

02

Processing statements

Not specified

Confirm how many complete statement months are required

03

Eligibility information

Trust Payments says underwriting can be checked within 48 hours in some cases and onboarding can be completed in as little as three days; these are conditional examples, not guaranteed approval times. The UK or Malta acquiring entity approves the merchant account, MID, permitted activity, settlement configuration and any risk controls.

04

Merchant application decision

Selected product, contracting and acquiring entity, merchant country, industry and MCC, business license, transaction profile, chargeback and fulfilment exposure, currencies, payment methods, connected acquirer and contract dependent.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Application documents

Documents to prepare

  1. 01Merchant application
  2. 02Company registration and address
  3. 03Owners directors and authorized representative
  4. 04Business bank account
  5. 05Products services website and sales channels
  6. 06Processing volumes currencies and transaction profile
  7. 07Regulated business license when applicable
  8. 08Additional risk financial or fulfilment documents when requested
  9. 09Business registration and address
  10. 10Business bank account for acquiring
  11. 11Expected processing volumes currencies and ticket size
  12. 12Connected acquirer and MID for gateway only

Merchant application & underwriting

  1. 01

    Register interest and select products

  2. 02

    Complete merchant or technology application

  3. 03

    Provide business ownership bank and website information

  4. 04

    Identify industries mccs volumes currencies and channels

  5. 05

    Complete underwriting and compliance review

  6. 06

    Create approved merchant account MID or site reference

  7. 07

    Test gateway or terminal integration

  8. 08

    Activate approved products

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

  • Clear products services and pricing
  • Merchant contact and legal information
  • Terms refund cancellation and delivery policies

Merchant-underwriting checks

  • Business and beneficial owner verification
  • Merchant industry and MCC
  • Fraud credit and chargeback risk
  • Sanctions and AML screening
  • Website and fulfilment review
  • Acquiring entity or connected acquirer approval
  • Technical PCI and integration readiness

Merchant onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you accept a startup with no operating history for this product?

    Startup eligibility is not specified.

  2. 02

    Will you consider a merchant listed in Mastercard MATCH for this product, and under what conditions?

    Eligibility for merchants listed in Mastercard MATCH is not specified.

  3. 03

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  4. 04

    Is processing history required, and how many complete months of statements must I provide?

    Processing-history requirements and the minimum period are not specified.

  5. 05

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 06

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 07

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 08

    Which products, MCCs, sales practices and jurisdictions are prohibited for this product?

    Product-specific restrictions on products, MCCs, sales practices and jurisdictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 09

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

Vertical acceptance

Which high-risk verticals this provider answers for

Every row is a statement the provider publishes about a business type. Hover or focus a decision to read the original wording. A vertical with no row here is one the provider does not address.

Applies only to

UK acquiring through TrustUK Payments Ltd, EEA acquiring through Trust Payments (Malta) Limited, TRU Connect with a contract-specific acquirer, POS technology with a contract-specific acquirer

Vertical acceptance for UK acquiring through TrustUK Payments Ltd, EEA acquiring through Trust Payments (Malta) Limited, TRU Connect with a contract-specific acquirer, POS technology with a contract-specific acquirer
VerticalProvider’s position
Financial servicesAccepted

Industry fit

Supported industries & underwriting requirements

Industries

Select an industry to see merchant eligibility, application requirements and payment operations.

Industry and underwriting details

Financial services

Trust Payments provides pay-ins, payouts, routing and risk controls for regulated financial businesses through UK acquiring through TrustUK Payments Ltd. Merchant underwriting applies. License type, product and jurisdiction affect eligibility.

    Payment operations

    Payment functions available to approved merchants in this industry.

    Capabilities
    • Online and in person card payments
    • Hosted or API checkout
    • 3-D Secure and SCA
    • Fraud controls
    • Tokenized repeat payments
    • Portal transaction and settlement reporting
    • Regulated business license review
    Payment methods & countries · UK acquiring through TrustUK Payments Ltd

    Where can this merchant accept payments, and which methods are available?

    Acquiring is included with this product; each payment method still depends on the merchant configuration.

    Selected product

    UK acquiring through TrustUK Payments Ltd

    Availability depends on the product and merchant

    Selected product

    Applying merchant

    1 country

    The business registration country, acquiring countries and customer countries are separate requirements.

    Payment types

    • Bank transfer
    • Cards
    • Local payment methods
    • Real-time bank payments
    • Wallets

    Currencies

    ≥100 accepted currencies

    The currencies total can include several products; the number available with this product depends on the agreement.

    Availability depends on

    • Selected product
    • Contracting entity
    • Merchant country
    • Merchant industry and MCC
    • Acquiring account and MID
    • Payment channel
    • Payment method
    • Presentment and settlement currency
    • Terminal or checkout integration
    • Underwriting and compliance approval

    Acquiring is included with UK acquiring through TrustUK Payments Ltd. Payment-method availability depends on the legal entity, country, currency, industry, MCC and transaction type in the merchant agreement.

    01Payment-method availability

    Card acceptance, bank payment rails, and digital wallets

    Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

    Card acceptance

    Card types

    • Credit card
    • Debit card

    Card brands

    • American Express
    • Maestro
    • Mastercard
    • UnionPay
    • Visa

    Bank payment rails

    Bank methods

    • Pay by Bank
    • Bank transfer

    Bank-transfer rails

    Bank-transfer rails by currency are not specified

    Digital wallets

    Wallets

    • Alipay
    • Apple Pay
    • Google Pay
    • Samsung pay
    • Wechat pay

    Card payouts

    Card payout rails

    Card-payout availability is not specified for this product

    02Countries & availability

    Where can the merchant be registered, where is acquiring available, and where can customers pay?

    Merchant location, acquiring countries, customer location and product availability can differ.

    Country coverage

    Merchant, acquiring, customer and product countries

    1. 01

      Business registration country

      Where must the business be registered to apply?

      1 country

      This is where the business is registered; it does not determine acquiring-country or customer-country availability.

      Show all 1 country
      • GBUnited Kingdom
      Merchant underwriting
    2. 02

      Acquiring countries

      Where is merchant acquiring available?

      United Kingdom

      Platform and user eligibility are assessed separately from acquiring-region availability.

      Show all 1 country
      • GBUnited Kingdom
      Selected product
    3. 03

      Customer location

      Where can customers pay from?

      Customer countries are not specified

      Customer countries by payment method and currency are not specified for this product.

      Across all products

    Countries and payment methods

    Countries and payment methods to confirm

    1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

      The payment methods included for the selected product, legal entity and merchant configuration are not specified.

    2. Which customer countries are available for each payment method in the agreement?

      Customer countries are not specified for each payment method.

    3. Which country launches are planned, and on what timeline?

      Planned country launches and dates are not specified.

    4. Which alternative payment methods are available for this product?

      Alternative payment methods are not specified for this product.

    Pricing & funds · UK acquiring through TrustUK Payments Ltd

    What does this product cost, and when are funds settled?

    Fees and reserves are governed by the merchant-account agreement

    Pricing

    Standard processing rate is not specified for this product

    The processing rate is not specified.

    Pricing method

    Custom quote

    01Commercial terms

    What makes up the quoted price?

    Review the pricing plan, pricing model, fees and contract duration.

    1. 01 · Pricing plan

      • Trust Payments acquiring contract pricing

    2. 02 · Pricing model

      • Custom

    Fee structure

    Fees that may appear in the agreement for this product

    1. 01
      Possible fees
      May apply
      • Payment transaction fee
      • Interchange and card scheme fees
      • Refund and chargeback
      • Gateway and ancillary services
      • Currency conversion
      • Reserve and risk controls

      Amounts and applicability vary by merchant agreement.

    Fees requiring a quote

    Amounts and waivers are not specified

    monthly fee
    setup fee
    application fee
    annual fee
    gateway fee
    PCI fee
    batch fee
    early-termination fee
    monthly minimum
    02Reserve holder

    Which entity can establish or hold a reserve?

    The reserve holder, amount and release conditions are not specified.

    Reserve holder

    The entity holding the reserve is not specified

    Reserve holder

    Reserve terms are not specified for this product

    Reserve terms from another product or provider do not apply to this product.

    03Merchant settlement

    When are sale proceeds settled, and who sends them to the merchant?

    Settlement makes processed sale proceeds available to the merchant.

    Merchant settlement

    Sale proceeds and settlement responsibility

    Settlement schedule

    • TrustUK merchant settlement: Set in agreement

    Settlement methods

    • Methods: Merchant nominated bank account

    Pricing & settlement terms

    Terms to confirm in the agreement

    Price

    1. What is the effective processing price for UK acquiring through TrustUK Payments Ltd, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

      Standard processing rate is not specified for the selected product.

    2. Which of these apply, at what amount and on what trigger: monthly fee, setup fee, application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

      Amounts and waivers are not specified for these fees.

    3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

      The initial term, renewal and cancellation terms are not specified for this product.

    4. For TrustUK merchant settlement, what is the contractual settlement delay, cutoff timezone and treatment of weekends or holidays?

      The settlement frequency or delay, cutoff timezone, and treatment of weekends or holidays are not fully specified.

    5. Is there a minimum settlement amount, carry-forward rule or fee below threshold for TrustUK merchant settlement?

      A settlement minimum or carry-forward rule is not specified.

    Reserve & held funds

    1. Can UK acquiring through TrustUK Payments Ltd require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

      The reserve percentage, cap, hold period or release terms are not fully specified for this product.

    Payment lifecycle · UK acquiring through TrustUK Payments Ltd

    How do checkout, payment processing, settlement and reconciliation work?

    Sales channels, gateway, virtual terminal, recurring billing and equipment

    Payment lifecycle

    Checkout → authorization → settlement → reconciliation

    The selected product determines the integration, transaction controls, payment processing, merchant settlement and reporting.

    Selected product

    UK acquiring through TrustUK Payments Ltd

    Integration, processing, merchant settlement and reporting for this product.

    1. Sales channels

      Online · In-person

    2. Gateway & virtual terminal

      Trust Payments terminals, TRU Link ePOS or PMS API and TRU Connect online gateway

    3. Account, processor & equipment responsibilities

      Acquirer · Trust Payments · Payment processor · Trust Payments

    4. Terminals & equipment

      Countertop terminal · Portable terminal

    01

    Sales channels

    Choose the integration option and who controls the payment page

    Where the approved merchant account can accept payments.

    Available channels

    • Online
    • In-person
    • Mobile
    • MOTO
    02

    Gateway & virtual terminal

    Gateway integration, security and transaction tools

    The gateway and virtual-terminal options matched to the approved processor and account.

    Selected setup

    Gateway entry point

    How requests enter this product and which integration boundary applies.

    Integration model

    Trust Payments terminals, TRU Link ePOS or PMS API and TRU Connect online gateway

    Gateway & virtual terminal

    Tokenization, 3-D Secure, webhooks and transaction controls

    Gateway
    01

    Gateway options

    Not specified

    Gateway and virtual-terminal options are not specified

    Recurring, MOTO & ACH

    From customer consent to scheduled payments and retries

    Stored-credential consent, payment scheduling and retry rules apply to each recurring-payment setup.

    Other recurring-payment terms

    Additional payment functions
    Not specified

    Recurring, MOTO and ACH availability is not specified

    03

    Account, processor & equipment responsibilities

    Who processes transactions, settles merchant funds and controls authorization and capture?

    The selected gateway, processor, merchant account and terminal setup must be compatible.

    Account, processor & equipment responsibilities

    • Acquirer · Trust Payments
    • Payment processor · Trust Payments
    • Merchant account provider · Trust Payments
    • Merchant underwriting · Trust Payments
    • Merchant settlement · Trust Payments
    • Gateway or POS technology · Trust Payments
    • Merchant bank · Connected provider

    Available controls

    The selected gateway, processor, merchant account and terminal setup must be compatible.

    1. 01

      How the setup is selected

      Which gateway, processor, merchant account and terminal setup work together?

      How the setup is selected

      Trust Payments terminals, TRU Link ePOS or PMS API and TRU Connect online gateway

    04

    Terminals & equipment

    Which terminals and equipment services are available?

    Countertop, mobile and POS equipment available for this product.

    Terminal & equipment details

    Terminal models and equipment services for this product.

    Terminal options

    • Countertop terminal
    • Portable terminal
    • Android smart terminal
    • Ingenico desk 5000
    • Ingenico move 5000
    • Castles vega 3000 c
    • Castles saturn 1000

    Equipment services

    • Device setup and activation
    • Tru link connectivity
    • Terminal support

    Before integration

    Integration details not specified

    1. 01

      Which gateway, virtual terminal, terminal models and equipment services are included with this product?

      The included gateway and equipment package is not specified.

    2. 02

      What purchase, lease, shipping, replacement, reprogramming, gateway and virtual-terminal charges apply?

      The complete gateway and equipment fee schedule is not specified.

    3. 03

      Which party receives card data in each channel, and which PCI DSS validation applies to the approved setup?

      Channel-specific card-data handling and PCI DSS scope are not specified.

    Merchant funds, risk & support

    TrustUK merchant acquiring: risk, licenses & support

    Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

    TrustUK merchant acquiringService: UK acquiring through TrustUK Payments Ltd
    01 / Processing, reserves & chargebacks

    Who can suspend payment processing or hold merchant funds?

    Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

    Payment processing & funds

    Merchant acquiring

    Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

    Role in this product
    Acquirer · Payment processor · Merchant account provider · Merchant settlement · Gateway or POS technology
    Who receives and settles funds
    Custom acquirer to merchant settlement

    Reserve or security deposit

    Reserve amount and release terms are not specified

    The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

    Not specified

    Fraud, authentication & chargebacks

    Fraud screening, 3-D Secure and chargeback handling

    Fraud screening, 3-D Secure, and dispute handling are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

    1. 01

      Before authorization

      Fraud screening

    2. 02

      At checkout

      3-D Secure authentication

    3. 03

      After payment

      Disputes & chargebacks

    BEFORE AUTHORIZATION

    Fraud screening

    Which fraud rules can block or flag a transaction for review?

    Capabilities
    Tru fraud checkInternal fraud checks3-D Secure and SCAMerchant configured rules and URL notificationsTokenizationPCI DSS controls

    AT CHECKOUT

    3-D Secure authentication

    Which 3-D Secure and verification methods are included?

    Authentication · 3-D Secure
    Yes
    3-D Secure
    Yes

    AFTER PAYMENT

    Disputes & chargebacks

    Which dispute and chargeback tools are included?

    Chargeback tools
    Chargeback managementRefund managementMerchant statementsPortal transaction and fee reporting
    Chargeback reporting
    Yes
    Chargeback report filters
    MIDProcessing currencyFee category
    Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
    02 / Legal entity, license & registration

    Which legal entity provides the service, and under which license or registration?

    A company can use different legal entities, licenses or registrations for different payment products.

    For this product

    Contracting entity and authorization

    Acquirer. For TrustUK merchant acquiring, the contracting entity is TrustUK Payments Ltd; its authorization or registration is Authorised Payment Institution; and its permitted payment services are Payment services · Acquiring services.

    1. 01 · Contracting entity

      TrustUK Payments Ltd

    2. 02 · Authorization or registration

      Authorised Payment Institution

    3. 03 · Permitted payment services

      Payment services · Acquiring services

    Company legal entities, licenses & registrations

    Company registrations and payment-services licenses do not identify the contracting entity for every product.

    2 entities · 1 license or registration

    TrustUK Payments Ltd

    United Kingdom · Registry 12283499 · Private limited company

    Authorised Payment Institution

    Financial Conduct Authority · Firm Reference Number 932557 · 2 permitted payment services · Active · Entity: TrustUK Payments Ltd

    Other legal entities (1)

    Trust Payments (UK) Ltd

    United Kingdom · Registry 04591066 · Private limited company

    License or regulatory registration not specified

    Security & regulatory information

    These certifications, safeguarding arrangements and cross-border permissions apply to named company entities or to the company generally. Which ones apply to UK acquiring through TrustUK Payments Ltd is not specified.

    01

    Security standards

    Certifications and assessments

    PCI DSS Level 1 service provider

    Service provider level 1

    02

    Security controls

    Privacy and security controls

    Security controls
    Aes 256 encryptionTLS 1.2 or higherPCI DSS level 1 controlsTokenization3-D Secure and strong customer authentication
    Security
    https://www.trustpayments.com/security-statement/
    Before signingContracting entity, payment services license and legal terms2 items to confirmReview contract terms
    03 / Support

    How can merchants reach support?

    Company support hours and contact channels are available. It is not specified which ones cover UK acquiring through TrustUK Payments Ltd and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

    Support contacts

    Company support hours and contacts

    The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

    Other company contacts

    Support hours are not specified for these contacts.

    Sales

    trustpayments.com/contact-us

    Developer

    help.trustpayments.com/hc/en-us/categories/360003712358-TRU-Connect

    General

    trustpayments.com/terms-of-use

    Security

    trustpayments.com/security-statement
    Before signingSupport contacts, hours and response times4 items to confirmReview contract terms
    UK acquiring through TrustUK Payments Ltd / Before signing

    What should the merchant agreement include?

    Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

    Before signing

    UK acquiring through TrustUK Payments Ltd: terms to confirm

    Confirm each material commercial, operating and legal term in the agreements that govern this product.

    Commercial & funding terms

    Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

    Approval, liability & exit

    Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

    Contract checklist

    Terms to review by topic

    Jump to the underlying product details

    1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
    2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
    3. 03SupportSupport contacts, hours, response times and escalation.
    Merchant agreement

    Contract terms to confirm

    Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

    Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.

    1. Can a reserve or post-termination hold apply to this product, and how is it released?

      The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

    2. What events allow UK acquiring through TrustUK Payments Ltd to be suspended or terminated?

      The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

    3. What chargeback fee applies?

      Chargeback handling is included, but the fee is not specified.

    4. Who handles open disputes, chargebacks and case submissions after termination?

      Ownership of open disputes, chargebacks and case submissions after termination is not specified.

    5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

      Card-network monitoring programs and escalation thresholds are not specified.

    Legal entity & licenseContracting entity, license or registration, and regulated payment services.

    1. Will the agreement be with TrustUK Payments Ltd or Trust Payments (UK) Ltd, and which authorization applies?

      More than one provider entity is linked to this product; the agreement must identify the applicable entity and authorization.

    2. Which privacy framework, controller roles and data-transfer terms apply to this product?

      The privacy framework, controller roles and data-transfer terms are not specified for this product.

    SupportSupport contacts, hours, response times and escalation.

    1. What first-response, update and resolution targets apply by incident severity?

      First-response and resolution targets are not specified.

    2. Who handles escalations for payment failures, integration incidents and account restrictions?

      No escalation contact or process is specified for these incidents.

    3. Which support hours and contact channels cover UK acquiring through TrustUK Payments Ltd, and where should a merchant report payment-processing or merchant-settlement issues?

      The support scope for UK acquiring through TrustUK Payments Ltd and the contacts for payment-processing or merchant-settlement issues are not specified.

    4. Which support-request topics and routing options are available in the support form?

      Support-form topics and routing options are not specified.

    Product summary

    What this product already includes

    What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

    Included capabilities

    Capabilities included with UK acquiring through TrustUK Payments Ltd.

    • TrustUK Payments Ltd supplies the documented UK acquiring route, merchant account, MID, transaction processing, chargeback management and settlement to the merchant's nominated bank account. TRU Connect checkout and Trust Payments terminals can be combined with this route, subject to product and merchant approval.