🎉 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

Merchant Service San Diego Ca

Complete merchant processing, payment solutions & Point of Sale for industries. Coupled with the security, , and . 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 & for small business
for
Visa
Mastercard
American Express
Discover
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ACH/eCheck
Get Free Quote Call +1 (323) 861-5223
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
Call for Instant Quote
📞 Call Now 💰 Get Quote
50,000+ Served
$2.5B Processed Annually
99.9% Uptime Guarantee

About Encina Lender Finance, | San Diego Ca

Does your San Diego need , , , , , , and ?

Top 10 Payment Processing near you.

💳

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

  • , , ,
  • EMV chip card support
  • Real-time reporting
  • Chargeback protection
🌐

Merchant Services in TX

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

📱

Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

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

Virtual Terminal

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

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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking
  • for Dallas Business
  • &
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ACH Processing

Electronic check processing and bank transfers with lower fees.

for Dallas

Payment Processing to , & . to get in Dallas TX

Best San Diego

2.9%
+ $0.30 per transaction
Get Started

Markets We Serve

2.6%
+ $0.25 per transaction
  • Payment gateway
  • with
  • Advanced reporting
  • with Next Day Funding
  • & Dallas
  • for Dallas
Get High Risk Merchant Account

High Risk Merchant Account Dallas

National Wide
+ $0.20 per transaction
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

for

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

🛡️

Payment Processing for High Risk

Trusted Merchants in Dallas to grow your , or Business. We serve industries such as & to scale your startup, expand your enterprise, support your local business, and strengthen your payment .

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About Encina Lender Finance, Payment

In October 2020, Encina Capital Partners, LLC and an affiliate of certain funds managed by Oaktree Capital Management, L.P. together announced the launch of Encina Lender Finance, LLC (“ELF”), a new independent lender finance platform targeting consumer and commercial specialty finance companies in the U.S. and Canada. Operating from both coasts, ELF offers revolving lines of credit, delayed draw term loans, and forward flow purchase programs ranging in size from $50 - $150 million to emerging and established specialty finance companies with strong junior capital sponsorship across a wide range of short-to-intermediate duration asset classes in the consumer and commercial finance sectors. Targeted consumer asset classes include unsecured installment and revolving loans (direct-to-consumer and point-of-sale), secured vehicle finance, home improvement, and student lending (in-school vocational, refi). Targeted commercial asset classes include asset-based lending, factoring, equipment finance, floorplan finance, CRE bridge lending, and small balance SMB lending (both direct-to-business and embedded point-of-sale). In addition, ELF provides streamlined “first-out” financing to other like-minded private credit investors in the specialty finance sector. ELF utilizes a combination of cutting-edge technologies and rigorous collateral-level analysis to generate differentiated investment insights and to formulate creative solutions to its counterparties’ portfolio and enterprise financing needs.

Frequently Asked Questions

Our & POS System are 100% committed to making high-risk payment processing simple for San Diego 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 Dallas Merchant Say

Join thousands of Dallas and TX entrepreneurs who depend on Merchant-Banks for to payment processing needs.

Happy business owners and satisfied customers
"Their transformed our Dallas . rates are , setup was , and team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Tarnavsky

CEO
★★★★★
" integration with our e-commerce platform was seamless. we were processing payments within hours of signing up. The payment gateway is , , and our 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 business."
AL

Aharon Lopez

Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Dallas that trust the Best Merchant Banks for in TX. Get approved in minutes and start accepting debit & credit card 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.