Merchant Services Columbia SC —
Local Support, Zero Fees
Total Payment Solutions serves Columbia and the Midlands with zero-fee credit card processing, Clover POS, and ATM placement. Real local support — NC/SC-based team that picks up the phone.
$100/Mo or Less — Guaranteed in Writing.
If your monthly bill exceeds $100, we'll make it right. No fine print.
Get Your Free Analysis
Free · No contracts · No pressure
Why Columbia Businesses Choose Local Merchant Services
Serving South Carolina's capital and Midlands region since 2014.
Columbia is the capital of South Carolina and home to the University of South Carolina — a diverse economy spanning government, education, healthcare, and a growing food & beverage scene. From restaurants on Main Street to retail in the Vista, convenience stores serving Fort Jackson to contractors throughout the Midlands — Total Payment Solutions helps Columbia businesses eliminate processing fees.
Columbia's business community ranges from high-volume university-area restaurants to independent retailers and service businesses. Our cash discount program means most Columbia merchants pay zero in processing fees — significant savings for businesses operating in a competitive market.
We're a real local company, not a national chain. When you call Total Payment Solutions, an NC/SC-based team member answers who understands Columbia's market and can be on-site when needed.
Whether you're on Main Street, in the Vista, near the USC campus, serving Fort Jackson, or a contractor in Lexington — we have the right payment solution for your Columbia business.
Serving Columbia, SC
$0 Processing Fees Possible
Local Support
Guarantee
Columbia & Midlands Areas We Serve
From downtown Columbia to Lexington, Irmo, and across the Midlands.
Main Street / Downtown
Restaurants, retail, government
The Vista
Restaurants, bars, entertainment
USC / Five Points
Food & bev, retail, services
Lexington
Booming suburb, retail, contractors
Two Notch Road
C-stores, gas stations, auto services
Irmo & Dutch Fork
Suburban retail, restaurants, services
Fort Jackson Area
Military, retail, food & bev
Harbison / Harbison Blvd
Major retail, restaurants, services
Complete Merchant Services for Columbia Businesses
Every service links directly to full details — click any service to learn more.
Cash Discount Program
Eliminate credit card processing fees entirely. Accept cards at zero cost to your business with our compliant cash discount program.
Learn More →Credit Card Processing
Competitive rates on every transaction. Quick settlements, transparent pricing, and no hidden fees — ever.
Learn More →Clover POS Systems
Modern, powerful POS hardware pre-programmed for your business type. We deliver, install, and support every system locally.
Learn More →NRS POS System
The #1 POS for c-stores and tobacco shops. Built-in loyalty, age verification, tobacco scan data, and EBT/SNAP acceptance.
Learn More →ATM Placement
Free ATM placement at your location. Generate surcharge revenue and keep customers spending cash at your business.
Learn More →Mobile Payments
Accept cards anywhere. Battery-powered, offline-capable terminals for contractors, events, and mobile businesses.
Learn More →E-Commerce Payments
Secure online payment gateway and shopping cart integration for your website — with real local support behind it.
Learn More →High-Risk Processing
Approved where others say no. Competitive rates for tobacco, CBD, and other high-risk merchant categories.
Learn More →Ready to Cut Your Columbia Processing Costs to Zero?
Get a free analysis of your current rates and see exactly how much you could save by switching to Total Payment Solutions.
Get a Free Analysis of Your Columbia Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis for your Columbia business.