Patriot Payments

PCI DSS Level 1 • Bank-Grade Encryption • US-Based Support

Accept Payments Anywhere in the U.S. —
Fast, Secure, and Built for Merchants

Next-day payouts, zero platform fees, and enterprise-grade security — live in 48 hours.

Start Accepting Payments No setup fees • Free terminal • Cancel any time

See How It Works →

Payouts in as little as 24 hours

Bank-level fraud protection

Zero processing fees — guaranteed

Built for American merchants — security, speed, and zero fees

Bank-Level Security

PCI DSS Level 1 certified with end-to-end encryption on every transaction.

Next-Day Payouts

Funds deposited to your bank in as little as 24 hours — no holds, no reserves.

99.9% Uptime

Redundant infrastructure ensures you never miss a sale — guaranteed availability.

Payment Capabilities

Every Way to Get Paid.
Zero Fees on Any of Them.

Zero markup

Accept Every Major Card

Visa, Mastercard, Amex, and Discover — swipe, tap, or dip.

VISA AMEX DISCOVER

Flat fee

ACH & Bank Transfers

Direct bank-to-bank payments for B2B invoices, payroll, and recurring billing — never a percentage.

No code

Online & Invoice Payments

Send a branded payment link or hosted invoice in seconds. No developer, no setup fee.

Live

Real-Time Tracking

Every transaction, fee saved, and deposit — visible the instant it happens.

The Process

Zero Fees in 4 Steps.

Free Savings Analysis

We project your exact savings — free.

Hardware Configured

Pre-loaded and shipped to your door.

10-Minute Onboarding

Plug in. A specialist walks you through it.

Freedom Day

Every sale from here is 100% yours.

Start Accepting Payments →

No setup fees • Free terminal • Live in 48 hours

Real Results

What $0 Fees Looks Like in the Real World.

The Blue Diner

High-volume family restaurant drowning in processing fees. Switched in 48 hours.

Annual Recovery

$47,480

3.0% → 0.00% Flat

Urban Threads

Boutique clothing store using recovered savings to expand their product line.

Annual Recovery

$23,912

3.3% → 0.00% Flat

Liberty Hardware

Family-owned hardware store reinvesting recovered fees into new inventory and a second location.

Annual Recovery

$31,600

3.2% → 0.00% Flat

Summit Medical Spa

High-ticket service business that cut processing overhead and redirected savings into staff and equipment.

Annual Recovery

$38,750

3.1% → 0.00% Flat

Merchant Portal

Your Financial
Command Center.

Track every cent saved, every transaction processed, and every customer interaction — in real time.

Live Savings Tracker

Tax-Ready Reporting

Instant Dispute Alerts

Next-Day Deposits

Patriot Merchant Portal

Live

Gross Volume (This Month)

$17,482.50

↑ 14.2% vs last month

Fees Saved

$504.30

Transactions

147

Avg. Ticket

$118.93

The Real Cost

They Charge 3.3%.
You Should Keep It.

The Old Way

The Patriot WayBest Value

Platform Fee

$34.00 / Mo

$0.00

Interchange Fee

1.80% + $0.10

$0.00

Markup Fee

1.25% + $0.05

$0.00

PCI Compliance

$104.00 / Yr

$0.00

Statement Fee

$14.00 / Mo

$0.00

Batch Fee

$0.15 / Batch

$0.00

Total Effective Rate

~3.3%

0.00%

On $500K in annual volume, you keep an extra

every year — guaranteed Get My Free Savings Analysis →

No obligation • Results in 24 hours

Hardware

Built for the Front Lines.
Not the Finance Department.

The Patriot Station

Dual-screen retail powerhouse with customer-facing display and automatic surcharge disclosure.

Dual Screen NFC/EMV/Mag Inventory Mgmt Receipt Printer

Patriot Go

WiFi and cellular-enabled for field services and food trucks. 17-hour battery, drop-tested to 6 feet.

17h Battery 4G/WiFi Drop-Tested GPS Enabled

The Secure Vault

Virtual gateway for B2B and e-commerce. PCI-tokenized card storage, recurring billing, and REST API.

Tokenized Storage Recurring Billing REST API Zero PCI Stress

Patriot Table

Tableside pay-at-the-table device for restaurants and hospitality. Auto tip prompts and split-bill built in.

Tableside Pay Auto Tip Prompt Split Bills EMV/NFC

EJ Ridings

Founder, Patriot Payments USA

EJ Ridings is an entrepreneur, business leader, and real estate professional with experience spanning commercial real estate, finance, asset management, and business development.

As Founder of Patriot Payments USA, he helps business owners reduce operating expenses and improve financial efficiency through cost-effective payment processing and payroll solutions. He is also involved in commercial real estate finance through Pure Patriot Group, Inc., helping investors and developers access tailored financing solutions for large-scale projects.

EJ combines financial expertise, strategic thinking, and an entrepreneurial mindset to create meaningful opportunities for business owners, investors, and partners.

Know More

Testimonials

Merchants Don't
Lie About Money.

★★★★★

"I thought zero percent was a marketing gimmick. Twelve months in, I've recovered over $47,000 in fees I used to write off as a cost of doing business. It's real."

Robert K.

Owner, The Blue Diner — Nashville, TN

↑ $47,480 recovered this year

★★★★★

"We switched in two days. The onboarding was painless — someone actually walked us through it live. Our monthly statement used to be four pages of fees. Now it's one line: $0."

Maria J.

Co-Owner, Urban Threads — Austin, TX

↑ $23,900 recovered this year

★★★★★

"First month live I kept an extra $3,200 that would have gone straight to Stripe. My accountant literally asked what changed on my P&L."

Tom M.

Owner, Iron & Oak Barbershop — Denver, CO

↑ $38,400 projected annual saving

★★★★★

"I thought zero percent was a marketing gimmick. Twelve months in, I've recovered over $47,000 in fees I used to write off as a cost of doing business. It's real."

Robert K.

Owner, The Blue Diner — Nashville, TN

↑ $47,480 recovered this year

★★★★★

"We switched in two days. The onboarding was painless — someone actually walked us through it live. Our monthly statement used to be four pages of fees. Now it's one line: $0."

Maria J.

Co-Owner, Urban Threads — Austin, TX

↑ $23,900 recovered this year

★★★★★

"First month live I kept an extra $3,200 that would have gone straight to Stripe. My accountant literally asked what changed on my P&L."

Tom M.

Owner, Iron & Oak Barbershop — Denver, CO

↑ $38,400 projected annual saving

Common Questions

Every Question
You're Thinking.

We get it — "zero fees" sounds too good to be true. Here's exactly how it works.

Is it really 0%? What's the catch?

There is no catch. Our Dual Pricing model legally passes the cost of card acceptance to cardholders who choose to pay by card, rather than to you. Customers who pay cash pay your listed price. Card customers pay a slightly higher amount to cover network fees. This is 100% legal in all 50 states and is the same model used by gas stations for decades. You pocket 100% of your listed price every single time.

Is this legal in my state?

Yes. Dual pricing (also called cash discount or surcharging) is legal in all 50 states following federal court rulings. Each state has specific disclosure and signage requirements that differ. Our compliance team monitors all 50 states in real time and ensures your terminals, receipts, and in-store signage always meet current requirements. You are fully indemnified from compliance risk.

How fast can I actually switch?

Most merchants are fully live within 48 business hours. After you complete our 5-minute application, we underwrite your account (usually same-day), configure your hardware, and overnight-ship your terminal. Your dedicated specialist then walks your team through a 10-minute setup call. You can process your first zero-fee transaction the same day it arrives.

Will my customers actually be okay with it?

Overwhelmingly, yes. Gas stations have used dual pricing for 40+ years and customer acceptance is near-universal. Industry data shows average card usage decreases by less than 3%, while your net revenue per transaction increases by the full processing fee you were previously absorbing. The math is always in your favor.

What if I want to cancel?

Cancel any time, for any reason, with 30 days notice. No early termination fees, no cancellation penalties, no equipment buyback requirements. We believe that if we're doing our job — saving you money every single day — you'll have no reason to leave. We've earned a 97% annual merchant retention rate on that belief.

Get Started Free

Start Accepting Payments.
This Week.

A Patriot specialist will deliver your complete savings analysis within 24 hours — showing exactly what you're overpaying and what you'll keep going forward.

Free enterprise-grade terminal — yours to keep

No contracts. Cancel any time. No exit fees.

Live and accepting payments in 48 hours or less

Payouts in as little as 24 hours — no reserves or holds

PCI DSS Level 1 & full 50-state compliance included

Only 14 free terminal spots remaining this month — act now.

Get Your Free Savings Analysis

Takes 60 seconds. A specialist calls you within 24 hours.

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