🎉 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

Credit Card Processing 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
|
|
|
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 Encore Capital Group | San Diego Ca

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

Find the Best High Risk Credit Solutions 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 CA

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.

🏪

Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking
  • for San Diego Business
  • &
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ACH Processing

Electronic check processing and bank transfers with lower fees.

for San Diego

Payment Processing to , & . to get in San Diego CA

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
  • & San Diego
  • for San Diego
Get High Risk Merchant Account

High Risk Merchant Account San Diego

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
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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 San Diego 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 .

🔐

About Encore Capital Group Payment

Encore means more. We always go the extra mile for our consumers, our colleagues, our clients and our investors. It’s what sets us apart. As an industry leader, and the only company to develop a Consumer Bill of Rights, we promote professional growth and healthy living for our employees, offering top-notch compensation and programs such as leadership and skills training, tuition assistance for continued education and wellness initiatives that have earned us recognition as one of San Diego’s Healthiest Employers. We firmly believe in work-life balance, and we are committed to actively promoting healthy living and personal and professional satisfaction for our employees. Headquartered in San Diego, Encore is a publicly traded NASDAQ Global Select company (ticker symbol: ECPG) and a component stock of the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500.

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 San Diego Merchant Say

Join thousands of San Diego and CA entrepreneurs who depend on Merchant-Banks for to payment processing needs.

Happy business owners and satisfied customers
"Their transformed our San Diego . 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 Kennedy

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

Ross Lopez

Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local San Diego that trust the Best Merchant Banks for in CA. 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.