Merchant Services Raleigh NC —
Local Support, Zero Fees
Total Payment Solutions serves Raleigh and Triangle-area businesses with zero-fee credit card processing, Clover POS systems, and ATM placement. We're NC-based — when you call, a local person answers.
$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 Raleigh Businesses Choose Local Merchant Services
We've been serving Raleigh and Triangle merchants since 2014 — through the metro's explosive tech-driven growth and beyond.
Raleigh is the capital of NC and the anchor of the Research Triangle — one of the fastest-growing tech and innovation corridors in the country. From downtown restaurants on Glenwood South to North Hills retail, Five Points boutiques to convenience stores on Wake Forest Road — Total Payment Solutions has been helping Raleigh businesses cut their processing costs since 2014.
Raleigh's business scene is booming: tech, biotech, healthcare, hospitality, food & beverage, and retail. We understand this market because we're part of it. Our cash discount program eliminates credit card fees entirely — a game-changer for high-volume Raleigh merchants who are bleeding money on processing costs.
We're not a 1-800 number outsourced to another state. When you call Total Payment Solutions, you reach an NC-based team member who knows Raleigh, understands your market, and can be at your door if needed. That's what local merchant services means.
Whether you're a restaurant in North Hills, a retail shop in Cameron Village, a convenience store off Capital Blvd, or a contractor serving the greater Triangle — we have a solution that fits your business and saves you money.
Serving Raleigh
Processing Fees Possible
Local Support
Guarantee
Raleigh Neighborhoods & Surrounding Areas We Serve
From Uptown to the outer suburbs — we cover all of greater Raleigh.
Downtown / Glenwood South
Restaurants, bars, nightlife, retail
North Hills & Midtown
Upscale retail, restaurants, healthcare
Five Points & Cameron Village
Boutiques, salons, specialty retail
Capital Blvd Corridor
Gas stations, c-stores, auto services
Research Triangle Park
Tech, corporate cafeterias, hospitality
Cary & Apex
Fast-growing suburbs, retail & dining
Garner & Clayton
Growing communities, c-stores, contractors
Durham & Chapel Hill
Universities, restaurants, specialty retail
Complete Merchant Services for Raleigh Businesses
Everything you need to accept payments and grow your Raleigh business.
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, 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 →Why Raleigh Businesses Pick Local Over the Big Processors
Square, Stripe, and the big banks aren't built for Raleigh's independent business owners. We are.
Approved in 24–48 Hours
No weeks of waiting. We approve Raleigh merchants fast because we understand your business type and the local market.
In-Person Setup & Support
We come to your location, configure your equipment, train your staff. Real support from people you can actually meet.
24/7 — No Hold Music
Call at 2am when your terminal goes down. A real person answers. No automated systems, no overseas call centers.
Zero Fee Processing
Our cash discount program legally passes the fee to the customer. Most Raleigh merchants pay $0/month in processing fees.
No Long-Term Contracts
We earn your business every month. No 3-year lock-ins, no cancellation fees, no gotchas buried in the fine print.
$100/Mo Written Guarantee
We put our guarantee in writing. If your monthly bill tops $100, we make it right. No other Raleigh processor offers this.
Ready to Cut Your Raleigh 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 Raleigh Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis for your Raleigh business.