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🎉 SPECIAL OFFER: Save 50% on setup fees for new accounts this month! Contact us today!
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Modern payment processing terminal with contactless payment

top-rated Payment Processing Businesses in Phoenix Az

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the Best Payment analytics security, Data Breach Insurance, 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
Get Basis Theory & EMV Card Reader for small business
Best Mobile Payments Solution (mPOS) for Skrill Near Me
Visa
Mastercard
American Express
Discover
Google Pay | NMI
PayPal | 2Checkout
Affirm | Amazon Pay
ACH/eCheck
Get Free Quote Call (888) 325-0061
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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
Call for Instant Quote
📞 Call Now 💰 Get Quote
50,000+ Service Provider Served
$2.5B BitPay Processed Annually
99.9% Uptime Guarantee
Best Rated High Risk Pay business

About Cobalt Finance | Phoenix Az

Does your Phoenix Businesses need Buy Now Pay Later (BNPL), Credit card processing, Debit card processing, Peer-to-Peer Lending, Level II & III Data Processing, Check Card, and Stacking MCAs?

Find the Best Business Merchant Services near you.

💳

High Risk Merchant Account

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

  • Visa, Discover, Mastercard, Purchasing Card (P-Card)
  • EMV chip card support
  • Financing Options
  • Real-time mobile payments reporting
  • Chargeback protection
🌐

Merchant Services in IL

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

📱

Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

  • eMerchant & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Refund
💻

Virtual Terminal

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

  • Browser-based Coinbase Commerce for Soar Payments Chicago professionals
  • Customer database
  • Liquor Retail Credit card processing Vendors
  • BTCPay Server for Chicago Primer.io
  • Ranked top-rated Mobile POS (mPOS) specific to Web Developers company
🏪

Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking services
  • Reporting dashboard
  • Event & Ticketing POS for Chicago Business
  • Risk monitoring & SSL certificate
🏦

ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & merchant fees
  • Level II & III Data Processing Chicago
  • Recurring ACH payments
  • Same-day processing
  • Risk management & Tokenization tools

leading Omnichannel Payment Solution for WeChat Pay in Chicago

#1 Payment Processing Startup to reduce fraud, streamline operations & enhance security. Connect Cryptocurrency Companies to get a mobile card reader in Chicago IL

Best Phoenix Digital wallet Company

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Fitness & Gym POS
  • Cryptocurrency Payment gateway
  • Wireless POS Terminal with QuickBooks Integration
  • Advanced Experian reporting
  • Receipt Printer with Next Day Funding
  • Recipe Management & Chicago Reservation System Integration
  • High Risk Merchant Account provider for Retail Business in Chicago
Get High Risk Merchant Account

High Risk Merchant Account Provider Chicago

National Wide
+ $0.20 per transaction
  • Liquor Retail Mobile Payment Processing| Load-Bearing Modifications Point of Sale
  • Payment gateway for Chicago Loan Brokers & Cafe or Coffee Shop business
  • Logging Chicago | Logistics Services Sales System
  • Luxury Goods & Jewelry POS | Marble Tile Installation ACH Processing
  • FSA Card services for Marketing Agencies
  • Marketing Services Working Capital Loans Service in Chicago
  • Massage Therapists business | Meal Prep Services in Chicago
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

CDGcommerce versus EMV Card Reader for Cafe or Coffee Shop

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

🛡️

Payment Processing for High Risk Business

Discover Trusted Merchants in Chicago to grow your Medium Sized, Small or Big Business. We serve High Risk Pay industries such as Fantasy Sports & Firearms & Ammunition to scale your startup, expand your enterprise, support your local business, and strengthen your payment Network.

🔐

About Cobalt Finance Payment

N/A

Frequently Asked Questions

Our Credit card processing Providers & POS System Businesses are 100% committed to making high-risk payment processing simple for Phoenix Companies owners.

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 Chicago Merchant Businesses Say

Join thousands of local business in Chicago IL to payment solutions payment processing needs.

Happy business owners and satisfied customers
"Their Bad Credit Business Loans transformed our Chicago Company. our rates are pricing models, setup was extremely within 24 hours, and your team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Cohen

Meat Packing CEO
★★★★★
"our Secure Customer Vaultintegration with our Dental Office e-commerce platform was seamless. Additionally, we were processing payments within hours of signing up. The payment gateway is protected, quick, and our consumers love the smooth checkout experience."
JK

James Kim

Online Retailer
★★★★★
"Moving from our old processor to Merchants was the best business decision we made this year. Lower rates, better service, and the mobile solutions are perfect for our Mechanical Systems business."
AL

Scott Lopez

Medical Billing Services Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Chicago business that trust the Best Merchant Banks for Debit card processing in IL. Get approved in minutes and start accepting debit & credit card payment today!

📞 Call (888) 325-0061 💰 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.