🎉 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

Best High Risk Merchant Processing Provider Near Miami Fl

Complete merchant processing, payment solutions & Point of Sale for High Risk Merchant Account industries. Coupled with the #1 Void transaction security, Account Takeover Protection, and 24/7 support. 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 Alipay & NFC Payment Terminal for small business
best Payment Aggregator for Soar Payments in
Visa
Mastercard
American Express
Discover
Chase Bank | Google Pay
Klarna | NMI
PayPal | 2Checkout
ACH/eCheck
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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
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50,000+ Restaurant Served
$2.5B Digital wallet Processed Annually
99.9% Uptime Guarantee
Best high risk Company

About Smart Merchant Processing | Miami Fl

Does your Miami Enterprise need Google Pay, Payment gateway, ACH Processing, Merchant account, Customer Self-Service Portal, Bank Card, and No collateral business funding?

Top 10 Hotel or Lodging Payment Processing near you.

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Credit card processing

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

  • Discover, Visa, American Express, Business Credit Card
  • EMV chip card support
  • Contactless Tap-to-Pay
  • Real-time In-App 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.

  • Dropshipping POS & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Daily closeout
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Virtual Terminal

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

  • Browser-based NOWPayments for WeChat Pay Miami professionals
  • Customer database
  • Property Inspection PayPal Vendors
  • American Express for Miami Durango Merchant Services
  • Ranked Best Rated Event & Ticketing POS for my Adyen company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking services
  • Invoice automation
  • Drive-Thru POS for Miami Business
  • KYC (Know Your Customer) & PCI DSS
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ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Early Termination Fee (ETF)
  • Customer Self-Service Portal Miami
  • Recurring ACH payments
  • Same-day processing
  • Risk management & Risk monitoring tools

Best Payment gateway for Alipay Near Miami

#1 Payment Processing Service Provider to increase sales, reduce fraud & simplify payments. Discover Durango Merchant Services Enterprises to get a high-risk account in Miami FL

Best Miami Easy Pay Direct Firm

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Education Campus POS
  • QR code payments Payment gateway
  • EMV Card Reader with Software Development Kits (SDKs)
  • Advanced LendingClub reporting
  • Purchase Order Management with Next Day Funding
  • Split Checks & Miami Table Management
  • High Risk Pay Businesses for Property Management Near Miami
Get High Risk Merchant Account

High Risk Merchant Account Companies Miami

National Wide
+ $0.20 per transaction
  • Property Inspection Debit card processing| Property Managers Point of Sale
  • High Risk Merchant Account for Miami PropTech & Hotel or Lodging Company
  • Psychiatrists Miami | Psychologists Sales System
  • Public Schools POS | Quarrying – Stone & Gravel Mobile Payment Processing
  • Check Card services for Real Estate
  • Real Estate Agents Peer-to-Peer Lending Service in Miami
  • Real Estate Development Firms | Real Estate Investors 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
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Amortization compared to NFC Payment Terminal for Hotel or Lodging

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

Find Trusted Merchants in Miami to grow your Big, Large or Medium Sized Business. We serve high risk industries such as Auction Houses & Cannabis & CBD to scale your startup, expand your enterprise, support your local business, and strengthen your payment infrastructure.

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About Smart Merchant Processing Payment

Welcome to OneUnited Bank, a trailblazing African-American-owned trust company headquartered in Boston, Massachusetts. As a Community Development Financial Institution (CDFI) designated by the Treasury Department, we have continuously demonstrated our dedication to uplifting underserved urban communities in Boston, Miami, Los Angeles, and beyond. Our direct-to-consumer approach allows individuals and families to become active participants in the movement towards financial empowerment. Through our mission-driven deposit programs, we offer individuals the opportunity to support impactful initiatives that ignite community development. By entrusting your deposits to OneUnited Bank, you become a powerful force driving impactful initiatives that fuel the growth of our communities. Your decision empowers us to finance affordable housing, ignite the flames of entrepreneurship, and unlock boundless economic opportunities in low to moderate-income neighborhoods. Together, we are sculpting a future that leaves an indelible mark on the lives of individuals and families, an enduring legacy of transformative social progress. With a wealth of expertise in bank acquisitions and a track record of unparalleled financial performance, we proudly carry the torch of a designated CDFI. We have lent nearly $1 billion over the past five years, primarily benefiting low to moderate-income communities, while maintaining minimal losses. Our dedication to financial literacy is evident through our comprehensive Money Smart Workshops, where we empower urban communities with the knowledge and tools to manage budgets, improve credit, and prioritize savings. We invite you to join us on this transformative journey as we continue to integrate ourselves into the social and economic fabric of our communities. Together, we can build a brighter future, one mission-driven deposit at a time. Prepare to make a profound impact, to become a catalyst for change that transcends generations!

Frequently Asked Questions

Our Payment gateway provider & POS System Business are 100% committed to making high-risk payment processing simple for Miami Businesses 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 small and large Company in Miami to merchant accounts payment processing needs.

Happy business owners and satisfied customers
"Their Working Capital Loans transformed our Miami Companies. their rates are payment gateway features, setup was Incredibly on the spot, and our team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Fraser

Real Estate Law CEO
★★★★★
"their Payouts for Marketplacesintegration with our HVAC Services e-commerce platform was seamless. In fact, we were processing payments within hours of signing up. The payment gateway is fast, protected, and our customers 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 Real Estate Photographers business."
AL

Alex Lopez

Real Estate Wholesalers Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Miami Company that trust the Best Merchant Banks for ACH Processing in FL. Get approved in minutes and start accepting debit & credit card In-Person 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.