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U.S. Reparations Program by Lance Pay

An Economic Opportunity Initiative by Lance Pay


Turn Every Transaction Into an Opportunity


U.S. Reparations by Lance Pay is an economic participation initiative designed to help Black American merchants and consumers participate in a growing digital commerce ecosystem.


Through the program, eligible Black American merchants can access Lance Pay merchant processing at a rate as low as 1.59%, while the standard annual Lance Pay Prime Club membership fee is waived for qualifying participants.

Get started

Save Money!

This is our way of creating an economic benefit through everyday commerce.  1.59%

Zero Processing Fee!

Zero Merchant Account Management Fee $0

Who Can Join?

Club Membership for qualified participants

JOIN U.S. REPARATIONS 

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Ready to take the next step?

Join us and discover what we can do for you.

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Why Us?

THE IDEA IS SIMPLE

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Every day, millions of transactions take place in America, where businesses sell products and consumers purchase goods and services, resulting in the flow of money between various enterprises. U.S. Reparations by Lance Pay aims to create opportunities for increased economic activity that specifically benefits Black American merchants and consumers. Rather than just discussing economic empowerment, Lance Pay is actively implementing practical digital payment solutions through a merchant processing program that connects participation with everyday commerce.

FOR BLACK AMERICAN MERCHANTS

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Your business deserves access to competitive merchant processing and a growing digital commerce ecosystem, especially for Black American merchants. Qualified participating Black American merchants can benefit from:  


1.59% Merchant Processing  


Take advantage of Lance Pay's Prime Club merchant processing rate as low as 1.59%, subject to applicable program terms and eligibility.  


Prime Club Membership Waived  


The standard $149 annual Prime Club membership fee is waived for qualifying Black American merchants through the U.S. Reparations program.  


Modern Digital Payment Solutions  


Access digital payment solutions specifically designed for today’s businesses, including payment processing, digital wallets, payment cards, and comprehensive transaction infrastructure.  


Customer Engagement  


Join in future Lance Pay rewards, loyalty, promotional, and customer engagement programs to elevate your business.  


A Growing Business Network  


Connect your business with other participating merchants, consumers, brands, and strategic partners within the expanding Lance Pay ecosystem.  


BECOME A MERCHANT

FOR EVERYDAY CONSUMERS

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U.S. Reparations is not just focused on Black American merchants; it also recognizes the crucial role consumers play in the broader economic ecosystem. Users participating in this initiative can access Lance Pay's digital payment solutions. As more programs roll out, they may also have opportunities to receive rewards through qualifying activities and participating merchants. Additionally, users can engage in loyalty programs designed to acknowledge ongoing participation, uncover promotions, and enjoy special offers from Black American merchants. By utilizing Lance Pay’s wallet technology, participants can take full advantage of an evolving digital commerce ecosystem, which includes streamlined merchant processing and various community opportunities to connect with businesses that aim to enhance economic participation.

WHY 1.59% MATTERS

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Payment processing is a vital aspect of doing business, especially for small businesses. For Black American merchants, every fraction of a percentage point can significantly impact their bottom line. U.S. Reparations by Lance Pay aims to support qualifying Black American merchants by providing access to outstanding digital payment solutions. This includes the Prime Club rate, which starts as low as 1.59% and offers the added benefit of waiving the standard Prime Club annual membership fee.


THE BENEFIT


Qualified Black American Merchant


↓


Prime Club Membership Fee Waived


↓


Processing Rate As Low As 1.59%


↓


More Opportunity to Reinvest in the Business


↓


More Commerce Within the Community

MORE REWARDS ARE COMING

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The 1.59% merchant processing benefit is just the beginning for Black American merchants. Lance Pay is proactively developing additional rewards, including loyalty programs, consumer incentives, and exclusive merchant offers, all tailored for the U.S. Reparations ecosystem. Future initiatives may encompass: - Merchant loyalty rewards - Consumer rewards - Exclusive merchant offers - Referral incentives - Partner discounts - Shopping rewards - Digital wallet benefits - Special events and experiences - Business-to-business opportunities - Strategic brand partnerships. As the Lance Pay ecosystem grows, more advantages will be introduced for participating members utilizing our digital payment solutions.

BUILT ON THE LANCE PAY ECOSYSTEM

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U.S. Reparations is powered by the robust technology and infrastructure of Lance Pay, a unified financial technology ecosystem designed to connect Black American merchants, consumers, and provide seamless merchant processing. This platform integrates payment services, digital wallets, cards, and identity verification for efficient transactions.


MERCHANTS


Join the Lance Pay ecosystem by accepting digital payment solutions that enhance your business operations.


CONSUMERS


Utilize a variety of digital payment tools while enjoying rewards and loyalty programs designed for you.


BUSINESSES


Engage with customers, partners, and participating Black American merchants within the thriving ecosystem.


PARTNERS


Collaborate to develop programs that add further value to the ecosystem.

ECONOMIC PARTICIPATION THROUGH COMMERCE

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The U.S. Reparations initiative is founded on a straightforward principle: when businesses thrive, communities reap the benefits. By assisting qualifying Black American merchants in accessing digital payment solutions and improving merchant processing through added rewards and loyalty programs for users, Lance Pay aims to create an ecosystem where everyday economic activities generate greater advantages for all participants. It is crucial to clarify that this initiative is not a government reparations program; instead, U.S. Reparations is a private-sector effort driven by Lance Pay.

JOIN THE MOVEMENT

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Whether you are a business owner, consumer, entrepreneur, brand, or strategic partner, there is a unique opportunity to engage in the world of Black American merchants and utilize innovative digital payment solutions.


BLACK AMERICAN MERCHANTS


Access merchant processing rates starting as low as 1.59%.


Prime Club annual fee is waived for qualifying participants.


JOIN AS A MERCHANT


BLACK AMERICAN CONSUMERS


Create your Lance Pay wallet to access customized digital payment solutions tailored for you.


Participate in exciting rewards and loyalty opportunities.


JOIN U.S. REPARATIONS


STRATEGIC PARTNERS


Join us in building the next generation of economic opportunity and digital commerce that supports Black American merchants.


BECOME A PARTNER

U.S. REPARATIONS

U.S. REPARATIONS

Illustration promoting U.S. reparations with justice, investment, and opportunity.

Powered by Lance Pay


Commerce. Opportunity. Participation.


1.59% Merchant Processing specifically designed for Black American merchants


Prime Club Membership Fee Waived for Qualifying Black American Participants


Create Your Wallet | Join Prime | Become a Merchant and explore our digital payment solutions


LancePay.me


PROGRAM DISCLOSURE


U.S. Reparations is a private initiative by Lance Pay and is not a federal, state, or municipal reparations program. The 1.59% processing rate for merchant processing, Prime Club membership waiver, eligibility requirements, and other benefits are subject to applicable program terms, underwriting, merchant agreements, and specific eligibility requirements. Additional rewards and loyalty programs related to digital payment solutions are under development and are not guaranteed until formally announced by Lance Pay.

Prime Club

 U.S. Reparations by Lance Pay Prime Club is a paid membership program offering eligible members access to potential preferred pricing, rewards, services, and partner benefits. The $149 annual membership fee does not guarantee savings, approval for financial services, or any specific economic benefit. Advertised rates, including processing rates as low as 1.59%, are subject to eligibility, underwriting, transaction type, applicable fees, and the terms of the applicable merchant agreement. Benefits, rates, partners, and program terms may change. Prime Club is not a bank, investment product, security, cryptocurrency, or guarantee of financial return. See the full Membership Terms and Conditions for additional information. 

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Disclaimer

© 2026 Lance Pay. All Rights Reserved.
Lance Pay is a financial-technology and payment-services platform. Services may be provided in conjunction with third-party financial institutions, payment processors, card networks, technology providers, and other authorized service providers. Product availability, fees, eligibility, and regulatory treatment vary by service and jurisdiction. Nothing on this website constitutes legal, financial, investment, tax, or regulatory advice. Please review our Terms of Service, Privacy Policy, and applicable product agreements before using Lance Pay services.

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