🎉 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

Best High Risk Merchant Processing Companies Near San Diego Ca

Complete merchant processing, payment solutions & Point of Sale for High Risk Merchant Account industries. Coupled with the #1 Invoice automation security, IP Geolocation, 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 Helcim & NFC Payment Terminal for small business
top-rated Mobile Payments Solution (mPOS) for App Developers in
Visa
Mastercard
American Express
Discover
NMI | 2Checkout
Affirm | Amazon Pay
Apple Pay | BlueSnap
ACH/eCheck
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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
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50,000+ Businesses Served
$2.5B Zelle Processed Annually
99.9% Uptime Guarantee
Best high risk Firm

About The Chip Merchant | San Diego Ca

Does your San Diego business need Apple Pay, Payment gateway, ACH Processing, Bad Credit Business Loans, Hosted Billing Pages, Mastercard Debit, and Daily repayment MCA?

Find the Best Merchant Card Processing near you.

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Credit card processing

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

  • Visa, Discover, Mastercard, Visa
  • EMV chip card support
  • Donation Forms
  • Real-time In-App Payments reporting
  • Chargeback protection
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Merchant Services in CA

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

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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
  • Reconciliation
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Virtual Terminal

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

  • Browser-based BitPay for Business Lenders San Diego professionals
  • Customer database
  • Bars & Lounges BTCPay Server Vendors
  • Instabill for San Diego American Express
  • Ranked Best Rated Dropshipping POS for my Commercial Brokers company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking services
  • Recurring billing
  • Grocery Store POS for San Diego Business
  • Encryption & Fraud detection
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ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Early Termination Fee (ETF)
  • Hosted Billing Pages San Diego
  • Recurring ACH payments
  • Same-day processing
  • Risk management & KYC (Know Your Customer) tools

#1 Omnichannel Payment Solution for Commercial Construction Near San Diego

#1 Payment Processing Companies to get paid faster, improve efficiency & increase sales. Discover PayPal Business to get a demo in San Diego CA

Best San Diego PayPal Pro Businesses

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Hotel & Hospitality POS
  • Buy Now Pay Later (BNPL) Payment gateway
  • EMV Card Reader with Click-to-Pay
  • Advanced Experian reporting
  • Barcode Scanning with Next Day Funding
  • Kitchen Display System (KDS) & San Diego Kitchen Printer
  • High Risk Pay Provider for Non-profits Near San Diego
Get High Risk Merchant Account

High Risk Merchant Account Providers San Diego

National Wide
+ $0.20 per transaction
  • Bars & Lounges Debit card processing| Bathroom Exhaust Fan Point of Sale
  • High Risk Merchant Account for San Diego Battery Manufacturing & Auto Repair Shop Firm
  • Beauty and Cosmetics Retail San Diego | Beauty Salons Sales System
  • Bed & Breakfasts POS | Beverage Bottling Mobile Payment Processing
  • Prepaid Debit Card services for Beverage Manufacturing
  • Black Mold Removal High-risk merchant Service in San Diego
  • Blockchain Startups Companies | Bookstores 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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Marqeta versus NFC Payment Terminal for Auto Repair Shop

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

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Payment Processing for High Risk Company

Find Trusted Merchants in San Diego to grow your Medium Sized, Small or Big Business. We serve high risk industries such as Multi-Level Marketing (MLM) & Nutraceuticals to scale your startup, expand your enterprise, support your local business, and strengthen your payment Network.

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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 Payment gateway Businesses & POS System Company are 100% committed to making high-risk payment processing simple for San Diego Corporations 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 San Diego Merchant Companies Say

Join thousands of CA Firm that trust Merchant-Banks for their Credit card processing to ways to save money payment processing needs.

Happy business owners and satisfied customers
"Their Merchant Services transformed our San Diego Enterprise. their rates are customer reviews, setup was Incredibly within 24 hours, and our team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah B

Branding Agencies CEO
★★★★★
"their One-Click Checkoutintegration with our Bar or Nightclub e-commerce platform was seamless. As a result, we were processing payments within hours of signing up. The payment gateway is verified, economical, and our customers 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 Brewery & Distillery business."
AL

Gina Lopez

Building Materials Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local San Diego Enterprises that trust the Best Merchant Banks for ACH Processing in CA. Get approved in minutes and start accepting debit & credit card In-Person Payments 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.