Entrust Bankcard positions itself as a merchant payment processing company for small and midsize businesses, offering merchant accounts, credit card processing, mobile payments, POS solutions, online gateways, virtual terminals, and high-risk merchant accounts. The site repeatedly emphasizes service for U.S. merchants, covering retail, restaurants, hotels, e-commerce, MOTO mail-order/telephone-order businesses, and some high-risk industries.
In terms of payment methods, the website states that it can process Visa, MasterCard, American Express, and Discover, and also supports ATM/PIN debit cards, electronic checks, ACH/Check, as well as cash and check management in POS environments. Its use-case coverage is fairly broad: offline EMV terminals, mobile apps with card readers, virtual terminals, shopping carts, and online gateways are all mentioned. For integrations, it supports Authorize.net, NMI, and USAePay, and says it provides PHP, ASP, Perl, and Java scripts. It can also reprogram existing terminals and POS systems, and claims compatibility with 95% of existing POS terminals and software.
Its pricing model is positioned as interchange-plus, with some examples disclosed: mobile payment rates from 1.5%; a retail discount rate of 1.65%; an internet/MOTO discount rate of 2.35% plus a 25-cent transaction fee; a gateway fee of $39.95/month; and software at $10/month. High-risk merchant rates depend on the business type. Settlement information is limited: it only states that debit card transactions are paid on the same timeframe as credit card sales, and that online reports are available the next day. It does not clearly specify T+ settlement timing.
The pages state that Entrust Bankcard is a Registered ISO/MSP of Wells Fargo, HSBC, or Merrick Bank. Amex and Discover require separate approval. PCI Compliance and 128-bit SSL are also mentioned. Its main risk-control feature is Swipe Safe/Chargeback Guarantee, which it says can reduce or reimburse chargebacks, but the specific eligibility conditions are not disclosed. On support, it promises U.S.-based phone support 24/7/365, which is relatively friendly for traditional merchants.
The advantages are a complete product lineup, support for high-risk industries, relatively extensive fee disclosures, and the ability to migrate older equipment. The drawbacks are that different pages on the website contain inconsistencies in years, bank registration wording, and brand naming. Actual high-risk rates, reserve requirements, chargeback reimbursement boundaries, and settlement cycles all need to be verified in the contract. It is better suited to U.S.-based small and midsize merchants, offline retail and restaurant businesses, MOTO merchants, and high-risk merchants that have difficulty getting approved elsewhere. For Chinese cross-border sellers or SaaS platforms, it is advisable to compare it alongside Stripe, PayPal/Braintree, Adyen, Worldpay, Fiserv, Elavon, and others. The source text does not provide information on access from China, so network availability and account-opening support should both be treated as unknown.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on entrustbankcard.com official site.
entrustbankcard.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach entrustbankcard.com directly.