Merchant Services Richmond VA —
Local Support, Zero Fees
Total Payment Solutions serves Richmond and Central Virginia with zero-fee credit card processing, Clover POS, and ATM placement. Local support from a real team — not a call center.
$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 Richmond Businesses Choose Local Merchant Services
Serving Richmond's diverse and growing business community since 2014.
Richmond is Virginia's capital and one of the Mid-Atlantic's most dynamic cities — a nationally recognized food & beverage scene, strong retail, and a booming innovation economy. From restaurants on Cary Street to retail in Short Pump, convenience stores along Broad Street to contractors serving the growing suburbs — Total Payment Solutions helps Richmond businesses eliminate processing fees.
Richmond's competitive restaurant and retail markets make our cash discount program especially valuable. Eliminating 2.5–3.5% on every card transaction saves a busy Richmond restaurant thousands per month — savings that go straight to your bottom line.
We're a real local company, not a national processor. When you call Total Payment Solutions, a real person answers who knows Richmond, understands your market, and can be on-site when needed.
Whether you're on Cary Street, in Scott's Addition, at Short Pump, out in Chesterfield, or a contractor in Hanover — we have a payment solution that works for your Richmond business.
Serving Richmond, VA
$0 Processing Fees Possible
Local Support
Guarantee
Richmond & Central Virginia Areas We Serve
From the Fan and Scott's Addition to Short Pump, Chesterfield, and beyond.
Scott's Addition / Breweries
Restaurants, breweries, retail
The Fan / Cary Street
Restaurants, boutiques, services
Short Pump
Major retail, restaurants, services
Chesterfield County
Booming suburb, retail, contractors
Broad Street Corridor
C-stores, gas stations, auto services
VCU / Monroe Ward
Food & bev, retail, services
Henrico County
Suburban retail, restaurants, contractors
Hanover County
Growing community, retail, contractors
Complete Merchant Services for Richmond 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 Richmond 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 Richmond Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis for your Richmond business.