Enjoy low payment processing rates

Receive the best credit card processing rates in the industry.

Credit Card Processing for Small Businesses

Total Merchant Services has focused on delivering payment processing at great rates for small businesses since our founding in 1996. We know that the ability to accept credit cards is critical to your growth, and we work to provide seamless credit card processing that enables you to get funds quickly.

accept all payments

Accept All Payment Types

Accept all the ways to pay, including credit, debit, gift and chip cards as well as NFC payments like Apple Pay.

accept credit cards

Accept Payments Anywhere

Our comprehensive solutions enable you to accept payments in the store, on the road and online.

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Easy Setup & Fast Deposits

Our solutions make it fast and easy to get set up, accept payments and receive deposits in your bank account.

emv security

EMV Compliance & Security

Protect your business and your customers from fraud with EMV and PCI-compliant solutions.

all the ways to pay

Accept All the Ways to Pay

No matter your current size, you can quickly gain all the payment capabilities to help your business grow. With our payment solutions, you can accept all credit, debit, EBT and “chip” cards, as well as contactless payments, checks and gift cards.

Accept Payments Anywhere

Our comprehensive suite of payment solutions lets you accept payments anywhere at any time. Whether you are taking payments in a store, on the road, on the phone or from your website, we have a solution that meets your needs. Our solutions help you grow, so you’ll be ready to expand your business online or send your sales team on location.

accept credi card payments

Start Processing & Get Paid Fast

set up payments

Get Set Up

Once you complete your application and choose your processing option, we’ll send you your equipment. Simply plug it in to get started.

accept all payments

Accept Payments

Accept “chip” and swipe cards and NFC payments like Apple Pay using a terminal, mobile phone, tablet, or computer.

automatic deposits

Get Your Money

Funds are automatically deposited into your bank account.

EMV Compliance & Security

PCI Compliance

Providing credit card security is critical to protect your customers and your business. Our payment solutions meet modern Payment Card Industry (PCI) data security standards, and we can help ensure you follow all the proper security measures as a proactive organization – without a major investment.

The EMV Liability Shift and Mandate

As of October 1, 2015, banks and processing networks changed the way they handle certain types of credit card fraud. If your business doesn’t use an EMV processing device when your customer presents an EMV “chip” card, you could be held liable for certain types of fraudulent transactions.

Reasons Behind the Liability Shift

Using EMV “chips” is much more secure than using magnetic stripes on credit cards. Magnetic stripe technology dates back to 1960s and is easy to counterfeit. Worldwide, many countries that already adopted chip card technology have seen dramatic drops in credit card fraud. Since the U.S. has been slow to embrace the technology, the industry instituted the liability shift mandate to accelerate adoption.

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secure emv transactions

Get EMV Compliance and More for FREE

To protect your business from charges related to the EMV liability shift, you need a payment solution that accepts EMV chip cards. Total Merchant Services offers FREE EMV-compliant credit card terminals.

While other processors could charge hundreds of dollars for modern credit card readers, we understand that you need to keep costs under control. That’s why we continue to offer the latest credit card terminals for free, work to provide the lowest credit card processing rates, and strive to give the best possible customer service.

Let us help grow and protect your business.

Get started today. Call 888-253-1463 or Contact Us.