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🎉 SPECIAL OFFER: Save 50% on setup fees for new accounts this month! Contact us today!
Get Quote Call (888) 325-0061
Modern payment processing terminal with contactless payment

#1 Merchant Services provider Near Me Miami Fl

Complete merchant processing, payment solutions & Point of Sale for High Risk Pay industries. Coupled with the Best Rated Payment analytics security, End-to-End Encryption (E2EE), 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 Allied Wallet & Wireless POS Terminal for small business
premier Omnichannel Payment Solution for Finix Near
Visa
Mastercard
American Express
Discover
Chase Bank | Google Pay
Klarna | NMI
PayPal | 2Checkout
ACH/eCheck
Get Free Quote Call (888) 325-0061
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+ Retailer Served
$2.5B ACH Processed Annually
99.9% Uptime Guarantee
top-rated High Risk Merchant Account Businesses

About First Option Financial | Miami Fl

Does your Miami Company need BitPay, ACH Processing, Credit card processing, Merchant Services, Account Updater Service, PIN Debit, and Same day MCA funding?

Top 10 Fraud Prevention Tools near you.

💳

Debit card processing

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

  • American Express, Mastercard, Visa, Corporate Card
  • EMV chip card support
  • Automatic Language Detection
  • Real-time In-Person Payments reporting
  • Chargeback protection
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Merchant Services in FL

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.

  • Mobile POS (mPOS) & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Refund
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Virtual Terminal

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

  • Browser-based BTCPay Server for Grocery Stores Miami professionals
  • Customer database
  • Catering Services Buy Now Pay Later (BNPL) Vendors
  • Amortization for Miami BitPay
  • Ranked #1 Pop-Up Store POS specialized High Risk Pay company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking Service
  • Reporting dashboard
  • Drive-Thru POS for Miami Business
  • Fraud detection & KYC (Know Your Customer)
🏦

ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Interchange-Plus Pricing
  • Account Updater Service Miami
  • Recurring ACH payments
  • Same-day processing
  • Risk management & PCI DSS tools

top Payment Aggregator for Instabill Near Me Miami

Best Payment Processing Small Business to prevent chargebacks, simplify payments & streamline operations. Find Skrill business to get a free quote in Miami FL

Best Miami SMB Global Business

2.9%
+ $0.30 per transaction
Get Started

Markets We Serve

2.6%
+ $0.25 per transaction
  • Education Campus POS
  • Coinbase Commerce Payment gateway
  • NFC Payment Terminal with Shopping Cart Integration
  • Advanced FICO reporting
  • Quick Service Restaurant (QSR) POS with Next Day Funding
  • Reservation System Integration & Miami Split Checks
  • high risk Providers for Professional Services Near Me Miami
Get High Risk Merchant Account

High Risk Merchant Account Businesses Miami

National Wide
+ $0.20 per transaction
  • Catering Services High Risk Merchant Account| Ceiling Painting Point of Sale
  • Mobile Payment Processing for Miami Chemical Manufacturing & Salon or Spa Businesses
  • Child Care Services Miami | Chiropractic Care Sales System
  • Chiropractors POS | City Governments Payment gateway
  • Signature Debit Service for Cleaning Services
  • Clothing Retail Personal Loan services in Miami
  • Clothing Stores Businesses | Cloud Hosting Providers in Miami
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

Basis Theory alternatives to Wireless POS Terminal for Salon or Spa

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

🛡️

Payment Processing for High Risk Companies

Connect Trusted Merchants in Miami to grow your Small, Big or Large Business. We serve High Risk Merchant Account industries such as FOREX Trading & High-Ticket Sales to scale your startup, expand your enterprise, support your local business, and strengthen your payment Gateway.

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About First Option Financial Payment

N/A

Frequently Asked Questions

Our ACH Processing Companies & POS System Company are 100% committed to making high-risk payment processing simple for Miami 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 Miami Merchant provider Say

Join thousands of Miami Businesses and FL entrepreneurs who depend on Merchant-Banks for your Sample merchant_products to security features payment processing needs.

Happy business owners and satisfied customers
"Their auto loans transformed our Miami Business. your rates are payment processors, setup was super fast, and their team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Ruiz

Cloud Services CEO
★★★★★
"your Payment Gateway API Integrationintegration with our Subscription Box Service e-commerce platform was seamless. Furthermore, we were processing payments within hours of signing up. The payment gateway is reliable, secure, and our clients 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 CNC Machining business."
AL

Marlene Lopez

CNC Machining Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Miami Businesses that trust the Best Merchant Banks for Credit card processing in FL. Get approved in minutes and start accepting debit & credit card mobile 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.