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.
$100/Mo or Less
3.99% service fee on card transactions. Cash pays listed price.
Cost + Markup
Pay actual interchange rates plus our fixed fee. Fully transparent.
Predictable %
Single percentage rate on all transactions. Simplicity at cost.
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:
Some processors charge $50–$100/month for not being PCI-certified. We help you stay compliant at no extra cost.
$5–$15/month just to receive a statement? We provide unlimited statements and reporting at no charge.
Charged per batch processed? Outdated and unfair. We process batches free — it's included in your rate.
Forced to pay $25–$50 minimum monthly even if you process less? Not here. You pay for what you use.
Locked into 3-year contracts with $500+ penalties to leave? We work month-to-month. No lock-in.
$25–$50/year for "compliance review"? Hidden and unfair. Our rates are all-inclusive.
No junk fees, no hidden charges. You know exactly what you're paying and why. Full itemization on every statement.
Funds typically arrive the next business day. Keep your cash flow moving. Same-day available depending on your bank.
We often provide terminals and POS hardware at no cost as part of your program. No equipment leasing fees.
Month-to-month service with zero early termination fees. We earn your business every single month.
Call a real person. Our team answers the phone during business hours and understands your local market.
Visa, Mastercard, American Express, Discover, ACH, mobile wallets. We handle everything your customers throw at you.
We've built payment solutions for NC's most demanding industries. Whatever your business, we've processed for someone like you.
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.
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.
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.
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.
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.
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.
