diff --git a/site/src/components/CheckoutTrustBand.astro b/site/src/components/CheckoutTrustBand.astro
new file mode 100644
index 0000000..5bbcfd5
--- /dev/null
+++ b/site/src/components/CheckoutTrustBand.astro
@@ -0,0 +1,114 @@
+---
+// Shared checkout trust band. One source of truth for the security + guarantee
+// reassurance shown at the high-friction moments of the order flow (payment
+// step, review step, and the order intro). Used across ALL verticals
+// (telecom, trucking, healthcare, corporate), so the copy is regulator-agnostic
+// except for an optional vertical-specific affiliation disclaimer.
+//
+// Usage:
+//   <CheckoutTrustBand variant="full" vertical="healthcare" />  // Payment step
+//   <CheckoutTrustBand variant="compact" vertical="telecom" />  // Review step
+//   <CheckoutTrustBand variant="bar" />                         // Order H1 bar
+//
+// The guarantee is a real money-back-if-we-fail-to-file promise: if we are
+// unable to file your filing, you get a full refund. Worded so it never
+// overpromises a regulatory outcome (agency approval is not ours to guarantee),
+// only our own work.
+export interface Props {
+  variant?: "full" | "compact" | "bar";
+  vertical?: "trucking" | "telecom" | "healthcare" | "corporate";
+}
+const { variant = "full", vertical } = Astro.props;
+
+// Regulator-agnostic security badges shown on every order.
+const BADGES = [
+  { icon: "\u{1F512}", label: "256-bit TLS encrypted" },
+  { icon: "\u{1F4B3}", label: "Secure payment by Stripe" },
+  { icon: "\u{1F6E1}\u{FE0F}", label: "SOC 2 hosting \u00b7 PCI compliant" },
+  { icon: "\u{1F4CB}", label: "Fixed price, no billable hours" },
+];
+
+const GUARANTEE_TITLE = "Money-back guarantee";
+const GUARANTEE_BODY =
+  "If we are unable to file your filing, you get a full refund. Fixed price, no billable hours, no surprises.";
+
+// Affiliation disclaimer is vertical-specific (only relevant when the order is
+// tied to a particular agency). Omitted when vertical is unknown.
+const DISCLAIMERS: Record<NonNullable<Props["vertical"]>, string> = {
+  healthcare: "Performance West is an independent compliance firm, not affiliated with CMS or Medicare.",
+  telecom:    "Performance West is an independent compliance firm, not affiliated with the FCC or USAC.",
+  trucking:   "Performance West is an independent compliance firm, not affiliated with the FMCSA or DOT.",
+  corporate:  "Performance West is an independent compliance firm, not a government agency.",
+};
+const disclaimer = vertical ? DISCLAIMERS[vertical] : "";
+---
+
+{variant === "bar" && (
+  <div class="pw-trust-bar">
+    <span class="pw-tb-item"><span aria-hidden="true">{"\u{1F512}"}</span> Secure checkout</span>
+    <span class="pw-tb-sep" aria-hidden="true">&middot;</span>
+    <span class="pw-tb-item"><span aria-hidden="true">{"\u{1F4B5}"}</span> Fixed price, no billable hours</span>
+    <span class="pw-tb-sep" aria-hidden="true">&middot;</span>
+    <span class="pw-tb-item"><span aria-hidden="true">{"\u2713"}</span> Money-back guarantee: we file it or your money back</span>
+  </div>
+)}
+
+{variant !== "bar" && (
+  <div class={`pw-trust ${variant === "compact" ? "is-compact" : ""}`}>
+    <div class="pw-trust-guarantee">
+      <span class="pw-guarantee-icon" aria-hidden="true">{"\u{2705}"}</span>
+      <div>
+        <p class="pw-guarantee-title">{GUARANTEE_TITLE}</p>
+        <p class="pw-guarantee-body">{GUARANTEE_BODY}</p>
+      </div>
+    </div>
+    {variant === "full" && (
+      <ul class="pw-trust-badges" aria-label="Security and trust">
+        {BADGES.map((b) => (
+          <li><span class="pw-badge-icon" aria-hidden="true">{b.icon}</span>{b.label}</li>
+        ))}
+      </ul>
+    )}
+    {disclaimer && <p class="pw-trust-disclaimer">{disclaimer}</p>}
+  </div>
+)}
+
+<style>
+  /* Thin bar (order intro) */
+  .pw-trust-bar {
+    display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem;
+    margin: 0.75rem 0 0; padding: 0.6rem 0.85rem;
+    background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 8px;
+    font-size: 0.82rem; color: #166534; line-height: 1.4;
+  }
+  .pw-tb-item { display: inline-flex; align-items: center; gap: 0.3rem; font-weight: 600; }
+  .pw-tb-sep { color: #86efac; }
+
+  /* Card (payment + review) */
+  .pw-trust {
+    margin: 1.5rem 0 0; padding: 1rem 1.15rem;
+    background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 10px;
+  }
+  .pw-trust.is-compact { margin: 1.25rem 0 0; padding: 0.85rem 1rem; }
+  .pw-trust-guarantee {
+    display: flex; gap: 0.7rem; align-items: flex-start;
+    padding: 0.75rem 0.85rem; background: #ecfdf5;
+    border: 1px solid #6ee7b7; border-radius: 8px;
+  }
+  .pw-guarantee-icon { font-size: 1.25rem; line-height: 1.2; flex: 0 0 auto; }
+  .pw-guarantee-title { margin: 0 0 0.15rem; font-size: 0.9rem; font-weight: 800; color: #047857; }
+  .pw-guarantee-body  { margin: 0; font-size: 0.82rem; color: #065f46; line-height: 1.5; }
+  .pw-trust-badges {
+    list-style: none; margin: 0.85rem 0 0; padding: 0;
+    display: flex; flex-wrap: wrap; gap: 0.4rem 1rem;
+  }
+  .pw-trust-badges li {
+    display: inline-flex; align-items: center; gap: 0.35rem;
+    font-size: 0.78rem; font-weight: 600; color: #0f766e;
+  }
+  .pw-badge-icon { font-size: 0.9rem; }
+  .pw-trust-disclaimer {
+    margin: 0.75rem 0 0; font-size: 0.72rem; color: #94a3b8; line-height: 1.4;
+  }
+  .pw-trust.is-compact .pw-trust-disclaimer { margin-top: 0.6rem; }
+</style>
diff --git a/site/src/components/VerticalOrderHeader.astro b/site/src/components/VerticalOrderHeader.astro
index dd4835b..0da6f73 100644
--- a/site/src/components/VerticalOrderHeader.astro
+++ b/site/src/components/VerticalOrderHeader.astro
@@ -9,6 +9,7 @@ export interface Props {
   vertical: "trucking" | "telecom" | "healthcare" | "corporate";
 }
 const { vertical } = Astro.props;
+import CheckoutTrustBand from "./CheckoutTrustBand.astro";
 
 type Card = { icon: string; h: string; p: string };
 type Content = {
@@ -93,6 +94,7 @@ const c = CONTENT[vertical];
     ))}
   </div>
 </section>
+<CheckoutTrustBand variant="bar" />
 
 <style>
   .pw-vhero {
diff --git a/site/src/components/intake/steps/PaymentStep.astro b/site/src/components/intake/steps/PaymentStep.astro
index 785e564..2d7b000 100644
--- a/site/src/components/intake/steps/PaymentStep.astro
+++ b/site/src/components/intake/steps/PaymentStep.astro
@@ -3,8 +3,10 @@
 // order, validates intake, and starts the selected checkout flow.
 export interface Props { service_slug: string; }
 const { service_slug } = Astro.props;
-import { SERVICE_META, formatUSD } from "../../../lib/intake_manifest";
+import { SERVICE_META, formatUSD, slugVertical } from "../../../lib/intake_manifest";
+import CheckoutTrustBand from "../../CheckoutTrustBand.astro";
 const meta = SERVICE_META[service_slug];
+const vertical = slugVertical(service_slug);
 ---
 
 <div class="pw-step" data-slug={service_slug}>
@@ -35,6 +37,8 @@ const meta = SERVICE_META[service_slug];
   </select>
 
   <p class="pw-method-note">Click <strong>Finish</strong> below to continue with the selected method.</p>
+
+  <CheckoutTrustBand variant="full" vertical={vertical} />
 </div>
 
 <style>
diff --git a/site/src/components/intake/steps/ReviewStep.astro b/site/src/components/intake/steps/ReviewStep.astro
index 498e27a..25ad70d 100644
--- a/site/src/components/intake/steps/ReviewStep.astro
+++ b/site/src/components/intake/steps/ReviewStep.astro
@@ -2,8 +2,10 @@
 // ReviewStep — summary panel, server-side validation hook, price display.
 export interface Props { service_slug: string; }
 const { service_slug } = Astro.props;
-import { SERVICE_META, formatUSD } from "../../../lib/intake_manifest";
+import { SERVICE_META, formatUSD, slugVertical } from "../../../lib/intake_manifest";
+import CheckoutTrustBand from "../../CheckoutTrustBand.astro";
 const meta = SERVICE_META[service_slug];
+const vertical = slugVertical(service_slug);
 ---
 
 <div class="pw-step" data-slug={service_slug}>
@@ -28,6 +30,8 @@ const meta = SERVICE_META[service_slug];
 
   <div id="pw-review-errors" class="pw-err" hidden></div>
   <div id="pw-review-warnings" class="pw-warn" hidden></div>
+
+  <CheckoutTrustBand variant="compact" vertical={vertical} />
 </div>
 
 <style>
diff --git a/site/src/lib/intake_manifest.ts b/site/src/lib/intake_manifest.ts
index 084c722..2f80bc8 100644
--- a/site/src/lib/intake_manifest.ts
+++ b/site/src/lib/intake_manifest.ts
@@ -176,3 +176,32 @@ export function formatUSD(cents: number): string {
     minimumFractionDigits: 2, maximumFractionDigits: 2,
   })}`;
 }
+
+// ── Vertical inference ──────────────────────────────────────────────────
+// Derives a service's compliance vertical from its intake-step list, so we
+// have a single source of truth (no hand-maintained slug->vertical table).
+// Used by the shared CheckoutTrustBand to show the right "not affiliated with
+// <agency>" disclaimer at the payment / review steps.
+export type Vertical = "trucking" | "telecom" | "healthcare" | "corporate";
+
+export function slugVertical(slug: string): Vertical | undefined {
+  const steps = INTAKE_MANIFEST[slug];
+  if (!steps) return undefined;
+  if (steps.includes("npi-intake")) return "healthcare";
+  if (steps.includes("dot-intake") || steps.includes("state-trucking")) return "trucking";
+  // Corporate services run on the generic `entity` step (same as telecom) and
+  // can't be told apart by step shape (note: the `dc_agent` step is the D.C.
+  // process-agent designation used by telecom 499 filers, NOT corporate). So
+  // corporate slugs are listed explicitly, plus the `foreign_qual` step which
+  // only appears on foreign-qualification orders.
+  if (steps.includes("foreign_qual")) return "corporate";
+  if (CORPORATE_SLUGS.has(slug)) return "corporate";
+  // Everything else is entity/FCC-based telecom.
+  return "telecom";
+}
+
+const CORPORATE_SLUGS = new Set<string>([
+  "dc-agent",
+  "foreign-qualification-single",
+  "foreign-qualification-multi",
+]);
diff --git a/site/src/pages/order/new-carrier-bundle.astro b/site/src/pages/order/new-carrier-bundle.astro
index 469d9c8..8c58f44 100644
--- a/site/src/pages/order/new-carrier-bundle.astro
+++ b/site/src/pages/order/new-carrier-bundle.astro
@@ -20,7 +20,7 @@ const description = "Start-to-finish for a brand-new VoIP carrier: FRN + 499 Ini
       <p class="pw-desc">{description}</p>
     </section>
 
-    <VerticalOrderHeader vertical="trucking" />
+    <VerticalOrderHeader vertical="telecom" />
 
     <Wizard service_slug={slug} steps={steps ?? ["entity", "review", "payment"]} title={meta?.name ?? slug} />
   </main>
diff --git a/site/src/pages/order/rmd-filing.astro b/site/src/pages/order/rmd-filing.astro
index c876bc5..0628f5c 100644
--- a/site/src/pages/order/rmd-filing.astro
+++ b/site/src/pages/order/rmd-filing.astro
@@ -19,7 +19,7 @@ const description = "Robocall Mitigation Database filing. Annual recertification
       <p class="pw-desc">{description}</p>
     </section>
 
-    <VerticalOrderHeader vertical="healthcare" />
+    <VerticalOrderHeader vertical="telecom" />
     <Wizard service_slug={slug} steps={steps ?? ["entity", "review", "payment"]} title={meta?.name ?? slug} />
   </main>
   <script>