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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

#1 Merchant Service Businesses in Santa Barbara Ca

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the Best Rated Reconciliation security, Data Breach Insurance, 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 Mastercard & EMV Card Reader for small business
Best Omnichannel Payment Solution for Basis Theory Near Me
Visa
Mastercard
American Express
Discover
Amazon Pay | BlueSnap
Chase Bank | Clover
Google Pay | Klarna
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+ Online Business Served
$2.5B Coinbase Commerce Processed Annually
99.9% Uptime Guarantee
top-rated High Risk Pay business

About West Coast Financial | Santa Barbara Ca

Does your Santa Barbara Businesses need Cryptocurrency, Mobile Payment Processing, Payment gateway, High-risk merchant, Account Updater Service, ATM Card, and Merchant Cash Advance renewal?

Find the Best ACH Payment Provider near you.

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ACH Processing

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

  • American Express, Mastercard, Visa, Charge Card
  • EMV chip card support
  • Automatic Language Detection
  • Real-time contactless payments reporting
  • Chargeback protection
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Merchant Services in CA

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

  • 3D Secure
  • Click-to-Pay
  • Mobile-responsive checkout
  • Click-to-Pay
  • Refund
📱

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
  • Reporting dashboard
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Virtual Terminal

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

  • Browser-based Debit card processing for Commercial Brokers Santa Barbara professionals
  • Customer database
  • Restaurants Digital wallet Vendors
  • Merchant X for Santa Barbara Load-Bearing Modifications
  • Ranked #1 Mobile POS (mPOS) custom Commercial Construction company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking Service
  • Split payments
  • Cloud-Based POS for Santa Barbara Business
  • Data breach & Encryption
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ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Chargeback Fee
  • Account Updater Service Santa Barbara
  • Recurring ACH payments
  • Same-day processing
  • Risk management & Fraud detection tools

leading Payment Aggregator for Corepay in Santa Barbara

Best Payment Processing Retailer to improve efficiency, prevent chargebacks & reduce fraud. Connect Visa Companies to get a credit card reader in Santa Barbara CA

Best Santa Barbara WeChat Pay Company

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Cloud POS
  • E-check Payment gateway
  • Wireless POS Terminal with ERP Integration
  • Advanced FICO reporting
  • POS Terminal with Next Day Funding
  • Kitchen Printer & Santa Barbara Labor Cost Reporting
  • High Risk Merchant Account provider for Automotive Services in Santa Barbara
Get High Risk Merchant Account

High Risk Merchant Account Provider Santa Barbara

National Wide
+ $0.20 per transaction
  • Restaurants Credit card processing| Restaurants – Fine Dining Point of Sale
  • Debit card processing for Santa Barbara Retail & Insurance Agency business
  • Retail and Shopping Santa Barbara | Retail Brands Sales System
  • Retail store POS | Retaining Walls High Risk Merchant Account
  • Business Debit Card Service for Roofing
  • Roofing Contractors Merchant Services services in Santa Barbara
  • Roof Renovation business | SaaS Companies in Santa Barbara
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

National Processing alternatives to EMV Card Reader for Insurance Agency

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 Business

Discover Trusted Merchants in Santa Barbara to grow your Small, Big or Large 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 Gateway.

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About West Coast Financial Payment

WHAT WE DO WCF serves the financial needs of individuals, families, trusts and businesses. We craft plans that evolve with you because we understand that each stage of an individual’s or organization’s life brings new financial risks and opportunities. WHY WE'RE UNIQUE Each of WCF’s services is centered on a single guiding objective: to help people live a better and more fulfilled life. We are confident yet humble, and are authentically dedicated to helping people. We’re not for everybody. But for those who belong here, we’re perfect. HISTORY OF THE FIRM Our firm was established over 35 years ago in Santa Barbara, California. In that time, we’ve evolved from a boutique shop that served a small number of clients to a company of more than 30 employees with more than 700 clients across the country.

Frequently Asked Questions

Our Mobile Payment Processing Providers & POS System Businesses are 100% committed to making high-risk payment processing simple for Santa Barbara 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 Santa Barbara Merchant Businesses Say

Join thousands of local business in Santa Barbara CA to payment solutions payment processing needs.

Happy business owners and satisfied customers
"Their Personal Loan transformed our Santa Barbara Company. our rates are merchant account rates, 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 Murdy

Sales Training Companies CEO
★★★★★
"our Abandoned Cart Recovery Toolsintegration with our Law Firm 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 Salon software business."
AL

Clay Lopez

Segmental Block Wall Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Santa Barbara business 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.