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Total Payment Solutions is a local payment service provider for merchants in North Carolina, South Carolina, and Virginia. It is not positioned as a purely online payment gateway, but rather as an integrated solution combining merchant acquiring + POS + local support. It focuses on convenience stores, tobacco shops, restaurants, retail businesses, event vendors, carnivals, and high-risk industries. The company claims to have been in operation since 2014 and to have served over 500 merchants.
Its core offering is a cash discount program: by passing a 3.99% service fee on to card-paying customers, it helps merchants eliminate up to 100% of credit card processing costs, with a promise that monthly processing bills will be $100 or less. On the hardware side, it supports Clover Station, Mini, Flex, and Go, as well as NRS POS for convenience stores and tobacco shops. Features include loyalty programs, age verification, tobacco scan data, inventory management, and EBT/SNAP acceptance. It also offers mobile payment acceptance, making it suitable for carnivals, outdoor markets, and similar scenarios, and highlights that some devices support battery power and offline capabilities. For online payments, it provides a secure payment gateway and shopping cart integrations, but does not disclose specific APIs, plugins, or developer documentation.
The information disclosed is mostly sales-oriented: free terminals, zero monthly processing fees, no long-term contracts, no hidden fees, and a $100/month billing guarantee. Funds can be deposited as soon as the next business day. Its ATM business is offered as a zero-cost placement service: the company handles installation, cash loading, and maintenance, while merchants can earn $1.50–$3.00 per transaction, with typical monthly income of $200–$600. Specific credit card transaction rates, additional conditions for high-risk industries, and gateway fees still need to be confirmed by quote.
The advantages are its clearly defined regional service area, strong local support, and targeted solutions for industries that traditional processors may be less willing to serve deeply, such as convenience stores, tobacco shops, and event vendors. Information such as registered ISO status, PCI/EMV compliance, and authorized partnerships with Clover/NRS also adds credibility. The drawbacks are its limited coverage, mainly serving NC, SC, and VA; while the cash discount model can reduce costs, it depends on compliant disclosure and customer acceptance; and there is insufficient detail on technical openness, API capabilities, chargebacks, and fraud risk controls.
It is better suited for offline small and midsize merchants in the southeastern United States, especially convenience stores, tobacco shops, restaurants, retail businesses, and mobile vendors with high transaction frequency and sensitivity to card processing costs. It is not suitable for Chinese cross-border sellers or internet companies that require global acquiring, multi-currency support, or developer APIs. Access from mainland China is not mentioned in the text, so its availability is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on totalpaysolutions.com official site.
totalpaysolutions.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach totalpaysolutions.com directly.