Modern payment processing terminal with contactless payment

top Payment Processing provider Near Me San Diego Ca

Complete merchant processing solutions with industry-leading rates, advanced security, and 24/7 support. Get approved in minutes and start accepting payments today.

2.49% Processing Rate
Competitive transparent pricing

Next Day Funding
Fast access to your money

PCI Compliant
Bank-level security

24/7 Support
Expert merchant services

Visa

Mastercard

American Express

Discover

Affirm | Apple Pay

BlueSnap | Chase Bank

Clover | Google Pay

ACH/eCheck

Get Free Quote Call (888) 325-0061

Free Quote

Get Your Custom Rate

No obligation • Instant approval • Setup in 24 hours

What's Included:

Free Payment Gateway

Virtual Terminal

Mobile Card Reader

PCI Compliance

Fraud Protection

24/7 Support

About The Chip Merchant | San Diego Ca

Connect everything you need to Take payments. Does your San Diego Company need Buy Now Pay Later (BNPL), Debit card processing & Electrical? Find the Best High Risk Credit Providers in N/A to grow your Big or Large Company

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High Risk Merchant Account

Accept all major credit cards with competitive rates and instant authorization.

Visa, Mastercard, Amex, Discover
EMV chip card support
Contactless payments
Real-time transaction reporting
Chargeback protection

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Emergency Dry-Out

Secure online payment processing for e-commerce and virtual transactions.

SSL encryption
API integration
Mobile-responsive checkout
Shopping cart integration
Recurring billing

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Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

Mobile POS (mPOS) & mobile card reader
iOS & Android apps
Offline transaction capability
Digital receipt delivery
Payment analytics

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Virtual Terminal

Process phone and mail orders through our secure web-based terminal.

Browser-based processing
Customer database
Appliance Stores
Encryption
Advanced reporting

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Point of Sale

Complete POS systems for retail and restaurant businesses.

Touch screen terminals
Inventory tracking
Reconciliation
Cannabis Dispensary POS for N/A Business
Risk monitoring & Tokenization

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ACH Processing

Electronic check processing and bank transfers with lower fees.

Lower processing fees
Check conversion
Recurring ACH payments
Same-day processing
Risk management & 3D Secure tools

Transparent Pricing

No hidden fees, no long-term contracts. Choose the plan that fits your business needs.

Best San Diego Easy Pay Direct Business

2.9%

+ $0.30 per transaction

Credit card processing
Mobile card reader
Basic reporting
Email support
Standard funding (2-3 days)
PCI compliance

Get Started

Point of Sale Systems

2.6%

+ $0.25 per transaction

Cloud-Based POS
Credit card processing Payment gateway
Virtual terminal
Advanced reporting
Liquor Store POS with Next Day Funding
Sample restaurant_pos & N/A Sample restaurant_pos
Recurring billing

Get High Risk Merchant Account

High Risk Merchant Industries

National Wide

+ $0.20 per transaction

Appraisers Payment gateway| Aquaculture Point of Sale
Asbestos Abatement | Auto Body Shops
Automation Systems N/A | Automotive Brands Sales System
Automotive Manufacturing POS | Automotive Parts Credit card processing
Automotive Retail | Auto Parts
Auto Parts Retail | Auto Repair
Backup Power Systems Company | Banking Services in N/A

Contact Sales

Bank-Level Security

Your customers' data is protected with the highest security standards in the industry.

Cybersecurity and data protection visualization

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PCI DSS Compliant

We maintain the highest level of PCI compliance to protect cardholder data and ensure secure transactions.

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Fraud Protection

Advanced fraud detection and prevention tools monitor transactions 24/7 to protect your business.

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About The Chip Merchant Payment

Founded in 1985, ITCM provides businesses with solutions that keep your IT infrastructure intact. We plan, develop, and manage the IT infrastructure necessary to support business agility. By combining managed IT services with our cloud computing environment businesses experience faster and more secured networks, optimized technology, and access to anything you need, anytime – anywhere. Our integrated approach to IT solutions will allow your business to reduce operational expenses, increase your efficiency and productivity, giving you access to enterprise-level support and minimized downtime. OUR STORY For the past thirty years ITCM (formerly: The Chip Merchant) has been a trusted provider of information technology solutions to small/medium enterprises in Southern California. We are one of the longest serving IT consulting firms in the San Diego area and have enjoyed doing business with a large community of loyal clients. Under the current ownership of the past fourteen years, ITCM has added to its Managed Services capabilities, acquiring a number of complimentary service companies along the way. Today ITCM is one of the premier IT services companies operating in San Diego County. You are welcome to visit us at our offices on Ruffin Road in Kearny Mesa. OUR PHILOSOPHY ITCM is committed to providing customers with the most leading-edge technology, services and solutions to meet or exceed their expectations. This includes providing high-quality services, competitive pricing and unparalleled technical support and solutions that distinguishes ITCM from its competitors. ITCM has a firm commitment to providing customers with the most sophisticated IT business solutions and IT support.

Frequently Asked Questions

Our Debit card processing provider & POS System Business near you is committed to making high-risk payment processing simple for your San Diego Company owners. Use the questions below to educate visitors and drive them toward the next step.

Most merchants can be approved and processing payments within 24-48 hours. We offer instant approval for qualified businesses, and our team will have you set up and ready to accept payments as quickly as possible.

Our rates start at 2.4% + $0.20 per transaction for qualified businesses. Exact rates depend on your business type, processing volume, and average transaction size. We provide custom quotes with transparent pricing and no hidden fees.

No, we don't require long-term contracts. Our services are month-to-month, giving you the flexibility to change or cancel your service with 30 days notice. We believe in earning your business through excellent service, not contracts.

Standard funding is 2-3 business days. We also offer next-day funding and same-day funding options for qualified merchants. Funds are deposited directly into your business bank account.

We provide 24/7 customer support via phone, email, and live chat. Our U.S.-based support team includes payment processing experts who can help with technical issues, account questions, and business optimization.

Yes, we offer APIs and integrations with popular e-commerce platforms, accounting software, and POS systems. Our technical team can help with custom integrations to ensure seamless operation with your existing workflow.

What Our Merchants Say

Join thousands of businesses that trust Elite Payment Solutions for their payment processing needs.

Happy business owners and satisfied customers

"High-risk merchant transformed our N/A Business. Their rates are competitive, setup was incredibly fast, and their support team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."

Sarah Martinez

Bars & Lounges CEO

★★★★★

"The integration with our e-commerce platform was seamless. We were processing payments within hours of signing up. The payment gateway is fast, secure, and our customers love the smooth checkout experience."

James Kim

Online Retailer

★★★★★

"Moving from our old processor to Elite was the best business decision we made this year. Lower rates, better service, and the mobile solutions are perfect for our food truck business."

Sample Name Lopez

Restaurant Owner

★★★★★

Ready to Start Processing Payments?

Join thousands of businesses that trust Elite Payment Solutions. Get approved in minutes and start accepting payments today!

📞 Call (800) 555-1234 💰 Get Free Quote

Our 100% Satisfaction Guarantee

We're confident you'll love our service. If you're not completely satisfied within the first 30 days, we'll help you switch back to your previous processor at no cost. No contracts, no hidden fees, no hassles.