Independent Payment Advisory
Find the Right USA Payment Processor for Your Business
Many US businesses choose the wrong payment provider and overpay. Tell us about your business and we'll review your situation with independent guidance.
We help businesses choose between payment providers like:
Logos shown for identification purposes only.
Most Businesses Are on the Wrong Processor
Your Account Gets Frozen Without Warning
One Friday afternoon, payments stop. No explanation, no timeline. You chose a provider that was never built for your business model.
You're Paying More Than You Should
Fees buried in blended rates, charges that appear months in. Most businesses overpay by thousands a year and never know it.
Your Provider Doesn't Understand Your Business
Generic processors treat every business the same. If yours is in a complex category — subscriptions, marketplaces, high-volume — you're one review away from a hold.
None of this happens because you did something wrong. It happens because you picked a processor that wasn't built for a business like yours.
How US Payment Processor Matching Works
Enter Your Business Details
Answer a short assessment about your business model, monthly volume, and industry. No account needed.
We Calculate Your Risk Profile
Our engine maps your profile against the underwriting criteria of 50+ US processors to find the right fit.
See Your Provider Match
View which providers fit, which are acceptable, and which to avoid. Every recommendation includes a clear reason why.
Get on a Call. Get Introduced.
Book a 15-minute call with us. We introduce you directly to your matched processor and guide you through the application.
Built by People Who've Seen What the Wrong Provider Does
Frozen accounts. Silent holds on funds. Chargebacks that spiral because the underwriting never fit. We built ChosePayments after watching this happen to businesses of every size, from sole traders to eight-figure operations.
Born from Real Failures
We've seen businesses lose revenue, get frozen, and churn through providers. All because nobody checked the fit before they applied.
Outcome-Driven Methodology
Every recommendation ties to measurable impact: revenue captured, costs reduced, account stability improved.
US Payments Specialists
Deep expertise in US payment regulations, card network rules, and acquirer relationships across all merchant categories.
Independent, Not Affiliated
We are not owned by any payment provider. Our recommendations are based on what fits your business, not commission rates.
Who We Work With
High-Volume Ecommerce
Gateway audit and acceptance optimisation
SaaS and Subscription Platforms
Recurring billing and churn reduction strategy
Marketplace Operators
Multi-seller payout and compliance review
Omnichannel Retailers
Unified payment infrastructure advisory
We work with organizations processing substantial volumes. If you are an early-stage startup or processing under $1M, our premium review may not be the right fit.
See if you're overpaying
Upload your latest statement and we'll work out your all-in effective rate and how it compares.