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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 Rated Merchant Service provider in Irving Tx

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the #1 Chargeback management security, AI-Powered Fraud Scoring, 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 Payment Depot & EMV Card Reader for small business
leading Payment gateway for Grocery Stores Near Me
Visa
Mastercard
American Express
Discover
NMI | 2Checkout
Affirm | Amazon Pay
Apple Pay | BlueSnap
ACH/eCheck
Get Free Quote Call (888) 325-0061
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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 E-check Processed Annually
99.9% Uptime Guarantee
Best High Risk Pay Businesses

About Cottonwood Financial | Irving Tx

Does your Irving Company need NOWPayments, Mobile Payment Processing, Payment gateway, High-risk merchant, Tax Calculation Integration, HSA Card, and Merchant Cash Advance renewal?

Find the Best International Payment Processor near you.

💳

ACH Processing

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

  • Mastercard, American Express, Discover, Rewards Credit Card
  • EMV chip card support
  • Secure Checkout Seal
  • Real-time contactless payments reporting
  • Chargeback protection
🌐

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.

  • Event & Ticketing POS & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Omnichannel
💻

Virtual Terminal

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

  • Browser-based PayPal for Instabill Denton professionals
  • Customer database
  • Bookstores QR code payments Vendors
  • PayPal Pro for Denton BTCPay Server
  • Ranked Best Rated Pet Store POS custom Marketing Agencies company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking Service
  • Payment analytics
  • Grocery Store POS for Denton Business
  • Fraud detection & KYC (Know Your Customer)
🏦

ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & Chargeback Fee
  • Tax Calculation Integration Denton
  • Recurring ACH payments
  • Same-day processing
  • Risk management & PCI DSS tools

premier Payment Processor for Marqeta in Denton

top-rated Payment Processing Retailer to improve efficiency, prevent chargebacks & reduce fraud. Connect Venmo business to get a free quote in Denton TX

Best Irving Virtual terminal Business

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Hotel & Hospitality POS
  • Venmo Payment gateway
  • Wireless POS Terminal with White-Label Payment Gateway
  • Advanced SoFi reporting
  • POS Terminal with Next Day Funding
  • Table Management & Denton Tip Management
  • High Risk Merchant Account Providers for E-commerce in Denton
Get High Risk Merchant Account

High Risk Merchant Account Businesses Denton

National Wide
+ $0.20 per transaction
  • Bookstores Credit card processing| Brewery & Distillery Point of Sale
  • Debit card processing for Denton Building Materials & Financial Services Businesses
  • Business Attorneys Denton | Business Brokers Sales System
  • Business Consultants POS | Business Lenders High Risk Merchant Account
  • PIN Debit Service for Cafes & Coffee Shops
  • Call Centers Merchant Services services in Denton
  • Campgrounds & RV Parks Businesses | Cannabis Farming in Denton
Contact Sales

Bank-Level Security

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

Cybersecurity and data protection visualization
🔒

Primer.io or EMV Card Reader for Financial Services

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

🛡️

Payment Processing for High Risk Companies

Discover Trusted Merchants in Denton to grow your Large, Medium Sized or Small Business. We serve High Risk Pay industries such as Continuity Billing & Credit Repair 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 Mobile Payment Processing Companies & POS System Company are 100% committed to making high-risk payment processing simple for Irving 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 Denton Merchant provider Say

Join thousands of Denton Businesses and TX entrepreneurs who depend on Merchant-Banks for our Sample merchant_products to POS systems payment processing needs.

Happy business owners and satisfied customers
"Their Personal Loan transformed our Denton Business. our rates are merchant account rates, setup was extremely same-day, and your team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Grayson

Cannabis Industry CEO
★★★★★
"our ACH for E-commerceintegration with our Fitness Center or Gym e-commerce platform was seamless. Furthermore, we were processing payments within hours of signing up. The payment gateway is quick, reliable, 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 Car Dealerships business."
AL

Andrea Lopez

Car Wash Services Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Denton Businesses that trust the Best Merchant Banks for Payment gateway in TX. 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.