🎉 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

#1 Merchant Service Companies in San Diego Ca

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the Best Rated Chargeback management security, 3D Secure Authentication, and 24/7 availability. 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 Soar Payments & EMV Card Reader for small business
#1 E-commerce Solution for Adyen Near Me
Visa
Mastercard
American Express
Discover
Apple Pay | Chase Bank
Clover | Google Pay
Klarna | NMI
ACH/eCheck
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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
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50,000+ Brick-and-Mortar Store Served
$2.5B E-check Processed Annually
99.9% Uptime Guarantee
#1 High Risk Pay Companies

About Merchant Associates Inc. | San Diego Ca

Does your San Diego Company need NOWPayments, Mobile Payment Processing, Payment gateway, auto loans, Automated Payment Reminders, ATM Card, and Credit card sales financing?

Find the Best International Payment Processor near you.

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ACH Processing

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

  • American Express, Mastercard, Visa, American Express
  • EMV chip card support
  • Click and Collect
  • Real-time contactless payments reporting
  • Chargeback protection
🌐

Merchant Services in CA

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

  • PCI DSS
  • 3D Secure
  • Mobile-responsive checkout
  • 3D Secure
  • Invoice automation
📱

Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

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

Virtual Terminal

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

  • Browser-based PayPal for Allied Wallet San Diego professionals
  • Customer database
  • Storage QR code payments Vendors
  • Visa for San Diego Retaining Walls
  • Ranked Best eMerchant custom App Developers company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking Service
  • Payment analytics
  • Cloud POS for San Diego Business
  • SSL certificate & Tokenization
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ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Chargeback Fee
  • Automated Payment Reminders San Diego
  • Recurring ACH payments
  • Same-day processing
  • Risk management & 3D Secure tools

best High Risk Merchant Account for Basis Theory in San Diego

Best Rated Payment Processing Business Owner to enhance security, grow your business & improve efficiency. Connect Mastercard Corporations to get a payment gateway in San Diego CA

Best San Diego Merchant account Enterprise

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Convenience & Specialty Store POS
  • Venmo Payment gateway
  • Wireless POS Terminal with Address Verification System (AVS)
  • Advanced Capital One reporting
  • Age Verification with Next Day Funding
  • Employee Time Clock & San Diego Handheld Ordering Devices
  • High Risk Merchant Account Provider for Salons & Spas in San Diego
Get High Risk Merchant Account

High Risk Merchant Account Providers San Diego

National Wide
+ $0.20 per transaction
  • Storage Credit card processing| Structural Stability Point of Sale
  • Debit card processing for San Diego Structural Systems & E-commerce Business Companies
  • Stucco Crack Repair San Diego | Subfloor Reinforcement Sales System
  • Subfloor Services POS | Subscription-based High Risk Merchant Account
  • Business Debit Card Service for Surface Finishes
  • Tankless Water Heater Installation Credit card processing services in San Diego
  • Tax Attorneys Enterprises | Tax 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
🔒

WeChat Pay alternatives to EMV Card Reader for E-commerce Business

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

🛡️

Payment Processing for High Risk Firm

Discover Trusted Merchants in San Diego to grow your Small, Big or Large Business. We serve High Risk Pay industries such as Adult Entertainment & Auction Houses to scale your startup, expand your enterprise, support your local business, and strengthen your payment Gateway.

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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 Mobile Payment Processing Businesses & POS System Firms are 100% committed to making high-risk payment processing simple for San Diego business 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 Companies that trust Merchant-Banks for our ACH Processing to how ACH payments work payment processing needs.

Happy business owners and satisfied customers
"Their Merchant account transformed our San Diego Business. our rates are contract terms, setup was extremely fast, and your team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Abraham

Telemedicine Providers CEO
★★★★★
"our Shopping Cart Integrationintegration with our Financial Services e-commerce platform was seamless. As a result, we were processing payments within hours of signing up. The payment gateway is economical, fast, 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 Textile Manufacturing business."
AL

Paul Lopez

Thermal Efficiency Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local San Diego Businesses that trust the Best Merchant Banks for Payment gateway in CA. Get approved in minutes and start accepting debit & credit card In-App 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.