Total Payment Solutions is an NC-based merchant services company helping businesses across North Carolina eliminate credit card processing fees. From Raleigh to Charlotte to the Outer Banks — we're local.
$100/Mo or Less — Guaranteed in Writing.
If your monthly bill exceeds $100, we'll make it right. No fine print.
Free · No contracts · No pressure
We've been serving North Carolina merchants since 2014.
Total Payment Solutions was founded right here in North Carolina, and we understand the unique needs of NC businesses. Whether you're running a convenience store in Raleigh, a restaurant in Charlotte, a retail shop in Greensboro, a tobacco business in Durham, a leisure operation in Wilmington, or any other enterprise across the state — we know your market.
Over the past decade, we've built relationships with hundreds of North Carolina merchants. We've learned what works in our state's business climate. We understand North Carolina regulations, tax requirements, and the specific challenges that NC business owners face. We're not a national processor with a call center on another continent — we're your neighbors.
Our team is based right here in North Carolina, which means faster decisions, in-person support when you need it, and genuine relationships with our clients. We invest in our community. We're members of local chambers of commerce. We sponsor events. We donate to NC nonprofits. When you work with Total Payment Solutions, you're supporting a North Carolina company.
The difference between a local merchant services provider and a national chain is obvious when you need help. When you call us, a real North Carolina business person answers the phone — not an automated system, not an overseas call center. We're available 24/7, and we solve problems fast because your success is our success. That's what it means to be truly local.
NC-Based Since
NC Merchants Served
Local Support
Guarantee
From the mountains to the coast, we're here for your business.
Everything you need to accept payments and manage your business operations.
Eliminate credit card processing fees entirely. Accept cards at zero cost to your business with our compliant cash discount program.
Competitive rates on every transaction. Quick settlements, transparent pricing, and no hidden fees — ever.
Modern, powerful POS hardware and software. Inventory management, employee reporting, customer analytics — all included.
Accept payments anywhere. Phone-based readers, contactless terminals, and online payment solutions for every business type.
Standalone ATM machines for your location. Generate recurring revenue while improving customer convenience and cash flow.
Fast access to capital for growth, inventory, or operational needs. Working capital solutions designed for merchants like you.
We specialize in serving diverse industries across the state.
High transaction volume requires smart payment processing. Our cash discount program and ATM services maximize revenue per transaction.
Learn More →High-risk approved. We specialize in getting tobacco and smoke shop retailers approved with competitive rates and dedicated support.
Learn More →Mobile, offline-capable terminals for seasonal and event-based businesses. Accept cards everywhere without WiFi dependence.
Learn More →Modern POS integration, table-side payment, kitchen display systems, and inventory management all built in.
Learn More →Complete retail solutions with customer loyalty programs, detailed reporting, and omnichannel payment options.
Learn More →Specialized approval and support for high-risk merchants including CBD and alternative product retailers across NC.
Learn More →When you work with a local NC provider, you get advantages that national chains simply cannot match.
Faster Setup
Approved in 24–48 hours. We understand NC requirements and approve quickly.
In-Person Support
Need help? We'll meet you at your location. Real relationships, face-to-face.
Understands NC Regulations
We know North Carolina tax law, state rules, and local business requirements inside and out.
No Overseas Call Centers
Call us and speak to a North Carolina business person. 24/7, no delays, no language barriers.
NC Banking Relationships
Our partnerships with NC banks mean faster settlements and better terms for local merchants.
Community Investment
We sponsor NC events, donate to NC nonprofits, and invest in the communities we serve.
Slow Approval Process
5–7 days minimum. Cookie-cutter rules that don't account for local context.
Phone Support Only
Remote agents reading scripts. No personal relationship. No local accountability.
One-Size-Fits-All Approach
Don't understand your local market. Can't adapt to NC-specific requirements.
Overseas Support Lines
Language barriers, long hold times, agents with no local knowledge.
Generic Partnerships
No special relationships. Slower settlements, no rate negotiations possible.
Profits Leave the State
Revenue extracted from NC with no local reinvestment or community support.
Get a free analysis of your current rates and see exactly how much you could save by switching to Total Payment Solutions.
Fill out the form and we'll contact you within 1 business day with a personalized analysis tailored to your North Carolina business.
