Credit Card Processing — No Junk Fees, No Surprises
We provide honest, transparent credit card processing for NC small businesses. Interchange-plus pricing, next-day funding, and a local team that answers the phone.
Three Pricing Models — Pick What Works for You
Cash Discount Program
$100/Mo or Less
3.99% service fee on card transactions. Cash pays listed price.
- Zero processing fees to you
- 3.99% service fee shown on receipt
- Most customers accept the model
- Perfect for retail, restaurants, c-stores
- Simple to explain at point of sale
Interchange Plus
Cost + Markup
Pay actual interchange rates plus our fixed fee. Fully transparent.
- See exactly what Visa/MC charges
- Small fixed markup from TPS
- Best for most businesses
- Lowest overall cost potential
- Itemized monthly statements
Flat Rate
Predictable %
Single percentage rate on all transactions. Simplicity at cost.
- Same rate on every transaction
- Easy to budget and forecast
- Good for lower-volume businesses
- No hidden tiers or categories
- Straightforward monthly billing
What's Actually Eating Your Margins?
Most merchant services companies bury junk fees in contracts and fine print. We don't. Here's what you'll never see on a TPS statement:
PCI Non-Compliance Fees
Some processors charge $50–$100/month for not being PCI-certified. We help you stay compliant at no extra cost.
Monthly Statement Fees
$5–$15/month just to receive a statement? We provide unlimited statements and reporting at no charge.
Batch Processing Fees
Charged per batch processed? Outdated and unfair. We process batches free — it's included in your rate.
Monthly Minimums
Forced to pay $25–$50 minimum monthly even if you process less? Not here. You pay for what you use.
Early Termination Fees
Locked into 3-year contracts with $500+ penalties to leave? We work month-to-month. No lock-in.
Annual Compliance Fees
$25–$50/year for "compliance review"? Hidden and unfair. Our rates are all-inclusive.
Why Businesses Choose Total Payment Solutions
Transparent Pricing
No junk fees, no hidden charges. You know exactly what you're paying and why. Full itemization on every statement.
Next-Day Funding
Funds typically arrive the next business day. Keep your cash flow moving. Same-day available depending on your bank.
Free Equipment
We often provide terminals and POS hardware at no cost as part of your program. No equipment leasing fees.
No Long-Term Contracts
Month-to-month service with zero early termination fees. We earn your business every single month.
Local NC Support Team
Call a real person. Our team answers the phone during business hours and understands your local market.
All Card Types Accepted
Visa, Mastercard, American Express, Discover, ACH, mobile wallets. We handle everything your customers throw at you.
Industries We Serve
We've built payment solutions for NC's most demanding industries. Whatever your business, we've processed for someone like you.
Frequently Asked Questions
What is interchange-plus pricing?
Interchange-plus means you pay the actual interchange rate set by Visa/Mastercard plus a small fixed markup from TPS. This is more transparent than flat-rate or tiered pricing and usually results in lower overall costs for most businesses. With interchange-plus, there are no surprises — you see exactly what the card networks charge and exactly what we add on top.
How does your cash discount program work?
With our cash discount program, a 3.99% service fee is added to card transactions and shown on the customer's receipt. Cash customers pay the listed price. Your processing cost goes to zero — $100/month or less, guaranteed. It's legal in all 50 states and most customers understand and accept the model, especially in retail, hospitality, and convenience store environments.
Is there a contract or termination fee?
No. We offer month-to-month service with no early termination fees. We earn your business every month by delivering great service and fair pricing, not by locking you into contracts you can't escape.
How fast do I receive my funds?
Most businesses receive funds the next business day. Depending on your bank and settlement time, same-day funding may also be available. Next-day funding keeps your cash flow moving and means you have access to your money when you need it.
Can I keep my existing equipment?
In many cases, yes. We can reprogram compatible terminals to work with our processing. If you need new equipment, we can often provide it at no cost as part of our program. We'll evaluate what you have and give you honest advice about what makes sense.
Ready to See What You Could Save?
Get a free analysis of your current processing costs. Our team will show you exactly what you're paying now and how much you could save with Total Payment Solutions.