Merchant Services Wilmington NC —
Local Support, Zero Fees
Total Payment Solutions serves Wilmington and the Cape Fear Coast with zero-fee credit card processing, Clover POS, and ATM placement. NC-based support you can count on year-round.
$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 Wilmington Businesses Choose Local Merchant Services
Serving coastal Wilmington and the Cape Fear region since 2014.
Wilmington is North Carolina's largest coastal city — a thriving mix of tourism, hospitality, film industry, and year-round retail. From restaurants on the riverfront to retail at Mayfaire, vacation shops on Wrightsville Beach to convenience stores serving the growing suburbs — Total Payment Solutions helps Wilmington businesses eliminate their processing costs.
Seasonal businesses are our specialty. We understand the cash flow pressures of tourism-driven markets and have solutions that work whether you're running a busy summer season or managing a slower off-peak period. Our cash discount program saves merchants thousands annually.
When you call Total Payment Solutions, you get a real NC-based person — not an overseas call center. We understand coastal business seasonality and can be on-site when you need us.
Whether you're a restaurant on Water Street, a retail shop in Mayfaire, a vacation rental business at the beach, or a contractor in Leland — we deliver local support and real savings.
Serving Wilmington
$0 Processing Fees Possible
Local Support
Guarantee
Wilmington & Cape Fear Region Areas We Serve
From the riverfront to the beaches and growing inland communities.
Historic Downtown / Riverfront
Restaurants, retail, tourism
Wrightsville Beach
Restaurants, vacation retail, hospitality
Mayfaire Town Center
Upscale retail, dining, services
Market Street Corridor
C-stores, gas stations, retail
Carolina Beach / Kure Beach
Tourism, seasonal retail, restaurants
Leland & Belville
Booming suburb, retail, contractors
UNCW Area
Food & bev, retail, services
Hampstead & Surf City
Growing coastal community, services
Complete Merchant Services for Wilmington 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 Wilmington 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 Wilmington Processing Costs
Fill out the form and we'll contact you within 1 business day with a personalized analysis for your Wilmington business.