Virginia Merchant Services —
Local Support, Zero Fees
Total Payment Solutions brings proven payment processing expertise to Virginia businesses. From Virginia Beach to Richmond to the Northern Virginia corridor — we help VA merchants eliminate credit card fees and run payment operations that actually work.
$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 Virginia Businesses Choose Total Payment Solutions
Trusted payment processing for Virginia businesses of every size.
Virginia is one of the most economically diverse states on the East Coast — from the military and tourism economy of Hampton Roads to the tech corridor of Northern Virginia, from Richmond's retail and dining scene to the outdoor and agricultural businesses throughout the Shenandoah Valley. Total Payment Solutions brings tailored merchant services to Virginia businesses across all of these markets.
Our cash discount program has been a game-changer for Virginia merchants, particularly in high-volume environments like convenience stores, tobacco shops, gas stations, and restaurants. By passing the processing fee to card-using customers (with full signage and compliance), Virginia business owners keep more of every sale. We handle all the setup, training, and ongoing compliance support.
Virginia businesses that use Clover POS systems through Total Payment Solutions benefit from our direct Clover partnership — including better pricing, faster setup, and local support that national dealers can't match. Whether you need a single station or a multi-location setup, we configure and deploy systems that work for your Virginia operation from day one.
When something goes wrong with your payment system, every minute matters. Our 24/7 support means a real person answers your call — not an automated system. We know Virginia markets, Virginia regulations, and Virginia merchants. That's the difference between a vendor and a partner.
Serving Since
Merchants Served
Local Support
Guarantee
Cities Across VA We Serve
From Hampton Roads to the DC suburbs, we're here for Virginia businesses.
Virginia Beach
Hampton Roads' largest city — military hub, tourism, and year-round retail.
Learn More →Complete Merchant Services for Virginia 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 →Why VA Merchants Choose Total Payment Solutions
Regional expertise and personal service beats national processors every time.
✓ Total Payment Solutions (Local)
Approved in 24–48 Hours
Fast approvals for Virginia merchants — no bureaucratic delays.
Dedicated Account Rep
One consistent contact who knows your business inside and out.
24/7 Real Person Support
No bots, no scripts, no overseas call centers. Real help, fast.
$100/Mo Rate Guarantee
Written guarantee. No rate creep, no surprise fees. Ever.
No Long-Term Contracts
Month-to-month. We earn your business every month.
✗ National Processors
5–7 Day Approval Wait
Generic processes that ignore local market context.
Rotating Generic Reps
A different person every time, starting from zero each call.
Overseas Call Centers
Long hold times, no local knowledge, scripted responses.
Hidden Fees & Rate Hikes
Rates quietly increase. PCI fees, statement fees, batch fees.
Multi-Year Lock-In
Trapped for 3–5 years with steep early termination fees.
Ready to Save on Payment Processing in Virginia?
Get a free analysis of your current rates and see exactly how much you could save by switching to Total Payment Solutions.
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Fill out the form and we'll contact you within 1 business day with a personalized analysis tailored to your Virginia business.