North Carolina Merchant Services —
Local Support, Zero Fees
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.
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Free · No contracts · No pressure
Why North Carolina Businesses Choose Local
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
Cities Across NC We Serve
From the mountains to the coast, we're here for your business.
Charlotte
NC's largest city and financial hub — serving restaurants, retail, and high-volume merchants.
Learn More →Raleigh
The Triangle's capital — booming tech, food & bev, and hospitality businesses.
Learn More →Greensboro
The Piedmont Triad leader with strong retail, hospitality, and healthcare.
Learn More →Complete Merchant Services for North Carolina Businesses
Everything you need to accept payments and grow your business — backed by local support.
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 →Solutions for Every North Carolina Business Type
We specialize in serving diverse industries across the state.
Why Local Merchant Services Beat National Processors
When you work with a local NC provider, you get advantages that national chains simply cannot match.
✓ Total Payment Solutions (Local)
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.
✗ National Processors
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.
Ready to Work With a Local North Carolina Provider?
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 Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis tailored to your North Carolina business.