Merchant Fees
Relevant Market/Region: Rates published below apply to LockTrust accounts of residents of the United States (US) and Canada.
International: A transaction occurring when the sender and receiver are registered with or identified by LockTrust as residents of different markets. Certain markets are grouped together when calculating international transaction rates.
Transparent Pricing Across the Lock Trust Platform
Discover standard pricing for all LockTrust products and see how each can help grow your business.
- Comprehensive Payment Solutions – From online and in-person payments to recurring billing and embedded payment experiences, LockTrust supports every type of transaction your business needs.
- Scalable and Compliant Integration – LockTrust’s infrastructure facilitates secure, reliable, and compliant payment processing suitable for marketplaces, subscription-based services, and SaaS platforms, supporting operational scalability and adherence to regulatory requirements.
- Global Payment Acceptance – LockTrust enables businesses to optimize checkout performance, accept region-specific payment methods, and enhance authorization and acceptance rates across international markets.
Payments
Transaction Fee – This is the standard fee you pay for each successful payment. It’s made up of a small percentage of the transaction amount plus a fixed amount per payment.
International Payments – If your customer’s card is issued outside your country, an extra percentage is added to cover the cost of cross-border processing.
Bank Payments – ACH (Automated Clearing House) payments let you pay directly from your bank account — securely, without using a card. Instead of going through card networks like Visa or Mastercard, your payment moves through the U.S. banking system between your bank and the business’s bank.
Other Fees –
QR-Ready, No-Code Sales
Generate a link or QR code and get paid online – fast and Hassle-free. Allow customer to scan and pay using QR codes.
Checkout Pages
Accept payments quickly with LockTrust’s pre-built, high-converting payment form. Your checkout is securely hosted on our PCI-compliant infrastructure, ensuring every transaction is protected while delivering a seamless experience for your customers. Optimized for speed, trust, and mobile-friendly design, it’s the fastest way to start selling online without the development hassle.
Virtual Terminal
When you manually enter a customer’s payment information (for phone or mail orders), the standard card-not-present rate applies.
Smart Pos Systems
LT TrustHub (Marketplace)
Embedded payments for platforms and marketplaces. Platform or service fee for accessing LockTrust’s central hub for managing payments, compliance, reporting, and integrations
Billing - Subscription Management
Simplify recurring, usage-based, and one-time billing with a flexible, all-in-one platform. A small platform fee in addition to normal payment processing for recurring or usage-based billing. This covers subscription management tools, automated renewals, and customer notifications.
Invoicing
A percentage applied to each paid invoice, in addition to standard processing fees. Per paid invoice fee, plus standard payment processing fees. This includes invoice creation, delivery, tracking, and secure payment collection.
Fraud Management
Protect your business and your customers with LockTrust’s advanced fraud management tools. Our system monitors every transaction in real-time to detect suspicious activity, prevent unauthorized charges, and reduce chargebacks.
Alternative Payment Method – Coming Soon!
We may allow your customers to choose any of the alternative payment methods (APMs) at checkout to pay you for purchases.
LockTrust Wallet
LockTrust offers a balance holding account commonly referred to as LockTrust Wallet Account. For more information and a complete listing of fees associated, please refer to the LockTrust Wallet Terms and Conditions.
LockTrust Online Payment Services
Use of applicable Services is subject to eligibility, application, and approval by LockTrust and your acceptance of the LockTrust Online Payment Services Agreement. These rates will apply to the following payment types received using LockTrust Online Payment Services.