Avoid Costly Mistakes
Total-Apps offers the right setup for your merchant account to enable growth and mitigate risk, so you can focus on your business.
Get StartedCustom Setup, Done For You
Finally, you no longer have to do it yourself.
Behind Total-Apps is the hard-won experience of 85,000 merchants, which means we've already seen every costly setup mistake there is to make, so you never have to. Our experts handle the banking relationships, the technology, and the compliance from day one. You focus on running your business; we do everything else.
Learn From 85,000 Merchants
Tap the collective experience of 85,000 businesses that came before you, with every lesson already paid for.
Eliminate Costly Mistakes
The right setup from the start avoids the expensive missteps that stall growth and quietly drain revenue.
Increase Performance
Optimized processing, the best banking relationships, and the right technology, tuned to strengthen your bottom line.
Exclusive Banking Relationships
Simplify Integration
Scalar eCommerce
White-Glove Concierge Service
Fraud & Chargeback Response
Enable Faster Growth
Payment processing and merchant account services are the foundation of commerce for your business. Total-Apps offers a complete array of payment services: credit card processing, ACH (eCheck), EMV, PCI compliance, POS, tokenization, and virtual terminal. With our Tier 1 and Tier 2 banking relationships, your business can scale faster, and our advanced technology lets your finance team automate payment processing and save time.
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You Speak Merchant. They Speak Bank. We're Fluent in Both.
Banks evaluate risk in underwriting terms — MCC codes, chargeback ratios, reserve requirements — that most merchants never have to think about until an application gets denied or an account gets frozen. We speak both languages fluently, so your application is positioned the way underwriters actually evaluate it, not the way a generic online form assumes it should look.
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Your Dedicated Merchant Account Department
Most processors hand you off the moment your account is approved. They pat you on the back, toss you the keys to your merchant account, and wish you good luck — and from there, you're at the mercy of whatever solution you happened to land in, with a different rep every time you call and no one who actually knows your account. Total-Apps works differently: you get a dedicated account team that knows your business, your processing history, and your risk profile from day one. No re-explaining your account. No waiting in a queue. Just a direct line to the people who actually manage your merchant account.
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Every Mistake You Could Make, We've Already Fixed for Someone Else.
Over 27 years, we've placed and managed accounts across roughly 250 different banks, processors, wholesale ISOs, PayFacs, PSPs, and wallet solutions — and worked directly with more than 85,000 merchants along the way. That means whatever problem your business runs into — a declined application, a frozen reserve, a processor that doesn't understand your industry — we've almost certainly already solved it for someone else. You're not the test case. You're not the first CBD company, the first marketplace, the first high-chargeback business we've placed with the right bank. We already know which of those 250 solutions actually fits your business, instead of guessing and hoping.
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Protect Your Business From Fraud & Chargeback Losses
Managing and reducing risk is paramount. Total-Apps systems provide advanced merchant-account functions: virtual terminal, invoicing, batch reports, returns, and voids. The expertise and fast response of our U.S.-based team helps you catch fraud before it happens and handle chargebacks more efficiently, while outsourcing substantial elements of your PCI compliance to us.
Get StartedAfter 85,000 merchants, I can usually spot why an account will struggle, and it is almost never the business itself. It is that someone matched it to the wrong processor. We engineer the right fit instead of guessing.
Rey PasinliPayments Engineer · Total-AppsTestimonials
Total-Apps was able to get me approved for a merchant account in 2011 as I started my company, NOIPFRAUD.com. They were there for me every step of the way, increasing my processing volume quickly, answering the phone or email with customer support out of the US. They treat me like a valued customer and with the best intentions for my company.
Daniel Gorin
CEO, Noipfraud.com
We decided to go with Total-Apps because they have a comprehensive offering. Rey and Rebekah helped us by building relationships with the merchant banks, design a robust shopping cart for our customers… Total-Apps has become a trusted advisor during our successful launch.
Tom W.
COO, Fitness + Nutrition MLM
I have been a long-standing customer since 2010… Rey, the owner of Total-Apps, stepped in and guided us through the setup process to find the best fit for our business. My account manager Rebekah has been more than amazing; if I ever had any processing issues she has taken care of my business needs immediately. I highly recommend using the services of Total-Apps.
Michael M.
CEO / President, Publications Company
Contact Your Total-Apps Team
From custom setup to improving performance to stopping business-critical problems, Total-Apps brings 27 years and 85,000 merchants of payments expertise to businesses in the U.S. and abroad.
Prefer to talk? Call us today:1-949-274-8975
Rey Pasinli
Payments Engineer · 27 years in payments