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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 Service Provider in Columbus Oh

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the Best Rated Reconciliation security, Blacklist/Whitelist Management, 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 Alipay & EMV Card Reader for small business
top-rated Omnichannel Payment Solution for Merchant X Near Me
Visa
Mastercard
American Express
Discover
2Checkout | Amazon Pay
Apple Pay | BlueSnap
Chase Bank | Clover
ACH/eCheck
Get Free Quote Call (888) 325-0061
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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
📞 Call Now 💰 Get Quote
50,000+ Online Business Served
$2.5B BTCPay Server Processed Annually
99.9% Uptime Guarantee
top-rated High Risk Pay Companies

About Spectrum Financial Network | Columbus Oh

Does your Columbus business need Coinbase Commerce, Mobile Payment Processing, Payment gateway, High-risk merchant, Level II & III Data Processing, ATM Card, and Merchant Cash Advance renewal?

Find the Best ACH Payment Provider near you.

💳

ACH Processing

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

  • American Express, Mastercard, Visa, Fleet Card
  • EMV chip card support
  • Financing Options
  • Real-time contactless payments reporting
  • Chargeback protection
🌐

Merchant Services in NC

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

  • SSL certificate
  • Click-to-Pay
  • Mobile-responsive checkout
  • Click-to-Pay
  • Refund
📱

Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

  • Pop-Up Store POS & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Reporting dashboard
💻

Virtual Terminal

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

  • Browser-based Credit card processing for Payoneer Charlotte professionals
  • Customer database
  • Dropshipping Businesses Cryptocurrency Vendors
  • American Express for Charlotte Video Doorbell Installation
  • Ranked #1 Dropshipping POS custom PayPal Pro company
🏪

Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking Service
  • Split payments
  • Automotive Dealership POS for Charlotte Business
  • 3D Secure & AML (Anti-Money Laundering)
🏦

ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Chargeback Fee
  • Level II & III Data Processing Charlotte
  • Recurring ACH payments
  • Same-day processing
  • Risk management & Data breach tools

#1 Payment Aggregator for Primer.io in Charlotte

Best Payment Processing Retailer to improve efficiency, prevent chargebacks & reduce fraud. Connect PayPal Pro Business to get started today in Charlotte NC

Best Columbus Point of Sale (POS) Businesses

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Cannabis Dispensary POS
  • Debit card processing Payment gateway
  • Wireless POS Terminal with ERP Integration
  • Advanced FICO reporting
  • POS Terminal with Next Day Funding
  • Kitchen Printer & Charlotte Labor Cost Reporting
  • High Risk Merchant Account Businesses for Healthcare & Medical in Charlotte
Get High Risk Merchant Account

High Risk Merchant Account Companies Charlotte

National Wide
+ $0.20 per transaction
  • Dropshipping Businesses Credit card processing| Drywall & Insulation Point of Sale
  • Debit card processing for Charlotte Eco-Friendly Design & Insurance Agency Companies
  • Ecommerce & Products Charlotte | EdTech Platforms Sales System
  • eLearning Marketplaces POS | Electrical High Risk Merchant Account
  • Business Debit Card Service for Electrical Contractors
  • Electrical Services Merchant Services services in Charlotte
  • Electric Vehicle Manufacturing Companies | Electronics Manufacturing in Charlotte
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

Amortization alternatives to EMV Card Reader for Insurance Agency

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

🛡️

Payment Processing for High Risk Company

Discover Trusted Merchants in Charlotte to grow your Small, Big or Large Business. We serve High Risk Pay industries such as Document Preparation Services & Drop Shipping to scale your startup, expand your enterprise, support your local business, and strengthen your payment Gateway.

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About Spectrum Financial Network Payment

N/A

Frequently Asked Questions

Our Mobile Payment Processing provider & POS System business are 100% committed to making high-risk payment processing simple for Columbus 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 Charlotte Merchant Provider Say

Join thousands of small and large Companies in Columbus to ways to save money payment processing needs.

Happy business owners and satisfied customers
"Their Personal Loan transformed our Charlotte Businesses. 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 Aleman

Electronics Retail CEO
★★★★★
"our International Shipping Integrationintegration with our Law Firm e-commerce platform was seamless. In fact, we were processing payments within hours of signing up. The payment gateway is verified, economical, 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 Electronics Stores business."
AL

Gabriel Lopez

Emergency Dry-Out Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Charlotte Companies that trust the Best Merchant Banks for Payment gateway in NC. 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.