About Total-Apps
Payment processing, engineered over 27 years and 85,000 merchants.
Total-Apps was founded by a mechanical engineer who spent his early career on the International Space Station program before pivoting into e-commerce during the dot-com era — and that same engineering discipline still defines how we work. Over 27 years, we've placed and managed merchant accounts across roughly 250 banks, processors, wholesale ISOs, PayFacs, PSPs, and wallet solutions, working directly with more than 85,000 merchants along the way. We don't run every business through the same template. We engineer the specific configuration — the bank, the processor, the setup — that actually fits each merchant, across credit card, debit, ACH, high-risk, gift card, MOTO, and EFT processing.
History
What started as one engineer's approach to solving payment problems has become nearly three decades of doing it at scale — navigating shifting banking regulations and payment technologies for merchants across every industry, including the high-risk and complex verticals most processors won't touch.
Mission
To engineer the merchant account configuration each business actually needs — not the one a generic template assumes it needs — so businesses can grow without processing risk holding them back.
Vision
Precision isn't optional in engineering, and it isn't optional in payments. We apply the same tolerance-driven thinking to merchant accounts that governs any complex system: the right components, correctly matched, built to hold under pressure.
Executive Team
Rey Pasinli, Payments Engineer
Rey Pasinli is a payments engineer with a Bachelor of Science in Mechanical Engineering from California State University, Fullerton, and an MBA from Pepperdine University earned during the dot-com era. Before payments, he worked as a mechanical engineer on the International Space Station program. He's helped design fraud-scrubbing logic still used inside one of the industry's largest payment gateways, authored a 100-page compliance guideline covering CBD and peptide processing, and personally launched and certified four separate PayFac licenses. He currently serves as a board advisor to companies across multiple verticals. Over 27 years, he's worked directly with more than 85,000 merchants — helping businesses scale from zero processing volume to over $1 billion a year.
Partners
Our partner network wasn't built from a directory — it was built on the road. For ten consecutive years, 22 trade shows a year, coast to coast, meeting the vendors actually building the tools merchants depend on: CRM platforms, customer service systems, fulfillment providers, digital ad agencies, attorneys, and accountants. Along the way, we met tens of thousands of people in this industry — and partnered with the ones whose solutions actually performed under real conditions for our clients.
That's given us hundreds of vetted, off-the-shelf vendors we can bolt directly into a merchant's setup — high-performance parts built to work, not just fit. Because engineering a business that can really run means every component has to hold up at full output, not just idle. We make sure your engine can spin to 10,000 RPM without blowing up.
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 across the United States.
Prefer to talk? Call us today:1-949-274-8975