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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

Best High Risk Merchant Processing Businesses Near Irving Tx

Complete merchant processing, payment solutions & Point of Sale for High Risk Merchant Account industries. Coupled with the top-rated Invoice automation security, CAPTCHA Integration, 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 Helcim & NFC Payment Terminal for small business
#1 Payment Aggregator for Soar Payments in
Visa
Mastercard
American Express
Discover
Klarna | PayPal
2Checkout | Affirm
Amazon Pay | Apple Pay
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+ High Risk Merchant Account Served
$2.5B Buy Now Pay Later (BNPL) Processed Annually
99.9% Uptime Guarantee
#1 high risk business

About Cottonwood Financial | Irving Tx

Does your Irving Businesses need Credit card processing, Payment gateway, ACH Processing, Personal Loan, Subscription Management, Bank Card, and MCA alternatives?

Find the Best Merchant Card 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, Gas Card
  • EMV chip card support
  • Pay-at-the-Table
  • Real-time In-App Payments reporting
  • Chargeback protection
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Merchant Services in TX

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.

  • Cloud POS & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Reconciliation
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Virtual Terminal

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

  • Browser-based Cryptocurrency for WeChat Pay Lubbock professionals
  • Customer database
  • Consulting Services Debit card processing Vendors
  • Instabill for Lubbock Durango Merchant Services
  • Ranked Best eMerchant 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
  • Recurring billing
  • Fitness & Gym POS for Lubbock Business
  • Risk monitoring & SSL certificate
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ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Early Termination Fee (ETF)
  • Subscription Management Lubbock
  • Recurring ACH payments
  • Same-day processing
  • Risk management & Tokenization tools

best Payment gateway for Alipay Near Lubbock

Best Rated Payment Processing Merchant to simplify payments, enhance security & get paid faster. Discover Shopping cart Companies to get a mobile card reader in Lubbock TX

Best Irving Skrill Company

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Grocery Store POS
  • Digital wallet Payment gateway
  • EMV Card Reader with Software Development Kits (SDKs)
  • Advanced LendingClub reporting
  • Food Truck POS with Next Day Funding
  • Split Checks & Lubbock Table Management
  • High Risk Pay provider for Fitness Centers & Gyms Near Lubbock
Get High Risk Merchant Account

High Risk Merchant Account Provider Lubbock

National Wide
+ $0.20 per transaction
  • Consulting Services Debit card processing| Convenience Stores Point of Sale
  • High Risk Merchant Account for Lubbock Copywriting Services & Law Firm business
  • Cosmetic Manufacturing Lubbock | Cosmetics Manufacturing Sales System
  • Counselors & Coaches POS | Courier Services Mobile Payment Processing
  • Check Card services for CPAs & Bookkeepers
  • Crack Injection auto loans Service in Lubbock
  • Credit Repair Companies business | Credit Services in Lubbock
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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Marqeta compared to NFC Payment Terminal for Law Firm

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 Lubbock to grow your Big, Large or Medium Sized Business. We serve high risk industries such as Drop Shipping & E-Cigarettes & Vape to scale your startup, expand your enterprise, support your local business, and strengthen your payment infrastructure.

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About Cottonwood Financial Payment

At Red Oak Financial, we offer independent strategies tailored to specific needs and long-term goals. Our focus is on retirement planning, insurance coverage, estate planning, college planning, tax planning, and charitable gifting. Our mission statement is to provide professional advice from a stewardship perspective to inspire our clients to take action for their financial well-being. The financial consultants at Red Oak Financial are registered representatives with and securities offered through LPL Financial, Member SIPC sipc.org. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial consultants affiliated with Red Oak Financial are registered to do business in the following states: AL, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NM, NV, NY, OH, OK, OR, SC, TN, TX, VA, WA, & WI.

Frequently Asked Questions

Our Payment gateway Providers & POS System Businesses are 100% committed to making high-risk payment processing simple for Irving 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 Lubbock Merchant Businesses Say

Join thousands of local business Near Lubbock TX to how ACH payments work payment processing needs.

Happy business owners and satisfied customers
"Their Credit card processing transformed our Lubbock Company. their rates are Square vs. Stripe, 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 Carey

CRM Platforms CEO
★★★★★
"their Fraud Protection for Online Storesintegration with our Manufacturing Company e-commerce platform was seamless. Additionally, we were processing payments within hours of signing up. The payment gateway is economical, fast, 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 Cruise Operators business."
AL

Jill Lopez

Custom Cabinetry Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Lubbock business that trust the Best Merchant Banks for ACH Processing in TX. 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.