Merchant Services Durham NC —
Local Support, Zero Fees
Total Payment Solutions serves Durham and Triangle-area businesses with zero-fee credit card processing, Clover POS systems, and ATM placement. NC-based — real local support.
$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 Durham Businesses Choose Local Merchant Services
Serving Durham's fast-growing business community since 2014.
Durham is one of the fastest-growing cities in the Southeast — driven by Duke University, research institutions, and a booming food & beverage scene. From the Durham Food Hall to restaurants in the Warehouse District, retail on Ninth Street to convenience stores off Roxboro Road — Total Payment Solutions has been helping Durham businesses eliminate processing fees since 2014.
Durham's diverse economy includes biotech, healthcare, hospitality, independent retail, and a nationally recognized restaurant scene. Our cash discount program means most Durham merchants pay zero in credit card processing fees — savings that go straight to your bottom line.
When you call Total Payment Solutions, you reach an NC-based team member who understands Durham's unique market — not an overseas call center reading from a script.
Whether you're a restaurant in the American Tobacco District, a retail shop near Duke, a c-store off Guess Road, or a contractor serving greater Durham — we deliver results and real local support.
Serving Durham
$0 Processing Fees Possible
Local Support
Guarantee
Durham & Surrounding Triangle Areas We Serve
From downtown Durham to RTP, Chapel Hill, and beyond.
American Tobacco District
Restaurants, entertainment, retail
Duke / Ninth Street
Food & bev, retail, healthcare
Research Triangle Park
Corporate, tech, hospitality
Roxboro Road
C-stores, gas stations, auto services
Warehouse District
Restaurants, breweries, boutiques
Chapel Hill
University retail, restaurants, services
Hillsborough
Growing community, retail, contractors
Guess Road Corridor
C-stores, fast food, auto services
Complete Merchant Services for Durham 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 Durham 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 Durham Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis for your Durham business.