Modern payment processing terminal with contactless payment

trusted 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

Klarna | PayPal

2Checkout | Affirm

Amazon Pay | Apple 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 Merchant Associates Inc. | San Diego Ca

Connect everything you need to Take payments. Does your San Diego Company need Google Pay, Debit card processing & Video Doorbell Installation? Find the Best High Risk Credit Providers in San Diego 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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Voice-Controlled Scene Setup

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.

Pop-Up Store POS & mobile card reader
iOS & Android apps
Offline transaction capability
Digital receipt delivery
Recurring billing

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Virtual Terminal

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

Browser-based processing
Customer database
Mental Health Services
Wall Removal w/ Beam Support
Advanced reporting

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Point of Sale

Complete POS systems for retail and restaurant businesses.

Touch screen terminals
Inventory tracking
Refund
Fitness & Gym POS for San Diego 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 Heartland Payment Systems 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

Grocery Store POS
PayPal Payment gateway
Virtual terminal
Advanced reporting
Liquor Store POS with Next Day Funding
Sample restaurant_pos & San Diego Sample restaurant_pos
Recurring billing

Get High Risk Merchant Account

High Risk Merchant Industries

National Wide

+ $0.20 per transaction

Merchant Services Payment gateway| Metal Fabrication Point of Sale
Metal Roof Paneling | Military Suppliers
Mining – Coal San Diego | Mining – Precious Metals Sales System
Mobile App Development POS | Mobile vendor Credit card processing
Modular Homes | Mold Remediation
Mortgage Lenders | Mortgage Services
Motels Company | Moving Services in San Diego

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 Merchant Associates Inc. Payment

Our traditional clients have pricing or customer service needs that have not been met by larger banks and institutions. Our aim is to provide the best merchant service experience possible. We do this by listening, anticipating and responding to our customer’s needs. MERCHANT ASSOCIATES is the low cost leader for credit card processing and credit card terminals and provide a wide variety of payment processing solutions to fit any size business. By telling is about your business, we can guide you to the best solution. With the ability to process credit cards, guarantee checks, and process gift cards, we are positioned to be a full turn-key solution for all your transaction processing needs. Not only will we save you money, but we will delight you with our proactive customer service, support and innovative products. We want to build a strong partnership with you even after you get started with us. We are constantly talking with our customers because we are at the forefront of all changes that occur with Visa/MasterCard/Discover processing. We offer our merchants the highest quality payment processing programs and solutions including: credit card processing, debit and EBT card processing, check guarantee, electronic check conversion, e-commerce solutions, gift and loyalty cards. As a leader in the electronic payments Industry, Merchant Associates is distinguished from the competition by our commitment to provide our merchant clientele the best payment processing programs and solutions tailored to meet their personal needs.

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 San Diego 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

Music Distribution 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.