Why Trustap’s Ecommerce Solution Isn’t an Escrow-Style Payment Flow (And Why That’s Good for Your Bottom Line)

When you’re looking for a new payment partner, clarity is everything.

At Trustap, our ecommerce solution is designed to reduce your Actual Transaction Cost (ATC) by replacing a patchy network of software tools with a single, transparently priced integration.

But as merchants learn more about our roots, they often ask us one specific question: “Is Trustap’s ecommerce solution an escrow-style payment option?”

The short answer is no. Here is why (and how it benefits your business!)

Where We Started vs. Where We Are

Trustap was founded in 2017 by Conor Lyden, who wanted to create a more secure way for individuals to buy and sell from one another. This led to our peer-to-peer (P2P) escrow-style payment app, which we later scaled into a successful solution for online marketplaces.

In P2P and marketplace setups, escrow-style flows are favoured; it protects independent buyers and sellers who don't know or trust each other yet.

However, traditional ecommerce brands have completely different needs. Merchants told us they didn't want the friction of an escrow-style flow, instead they needed faster payouts, seamless checkouts and predictable cash flow. We listened. While our marketplace product still utilises our escrow-style flow, our dedicated ecommerce solution favours speed and efficiency.

Lowering Your ATC and Speeding Up Payouts

By removing the escrow-style element for ecommerce, we focus entirely on what matters most to your day-to-day operations: fast payouts and lowering your Actual Transaction Cost (ATC).

Most payment processors attract merchants with low sticker-price fees, only to make their real margins on hidden extras, like chargeback fees, cross-border penalties, and fraud tool add-ons. By the time you add up this patchwork of tools, a brand's ATC often ends up being 0.5% to 4% higher than the headline rate they originally agreed to.

Trustap does things differently. We replace both your legacy payment processor and your third-party fraud tool with one all-in-one integration. By eliminating those hidden layers, we cut your ATC by 0.5% to 4% from day one, and we route your funds directly to you without escrow-style delays.

Reclaim Your Margins Today

You shouldn't have to compromise between secure fraud prevention and fast access to your capital. With Trustap's ecommerce solution, you get both.

Ready to see how much you could be saving? Use our ATC Calculator or get in touch to see exactly how much margin you can reclaim.

‍