Total Merchant Services  Total Merchant Services offers a complete line of payment solutions for your business - credit card acceptance, debit cards, and check acceptance - for all types of businesses including retail storefronts, restaurants, hotels, service companies, wireless merchants and mail, telephone or internet  businesses.   TMS has been helping merchants like you since 1997!  We are one of the oldest and most trusted names in credit card processing services.  We are ready and able to help you make your business a success!

low rates
Our rate and fee structure is the most competitive in the industry.

world-class customer service
Our customer service is designed to make credit card processing easier, more convenient, and more productive for you. With knowledgeable customer service representatives available via telephone 24 hours per day, seven days per week, you'll always be able to get the answers you need, when you need them.

the best solution for your needs
We work with a variety of equipment manufacturers and service providers. That means that we can put together a combination of point-of-sale (POS) credit card terminals, software, and other services that best meet your needs.

wide range of payment options
You'll be able to accept Visa, MasterCard, American Express, Discover, Diners/Carte Blanche, and debit cards. In addition, you can also get check guarantee services and stored value (gift and reward) cards.

It' our objective to do everything we can from our end to make sure that your business is successful now and in the future. 

Total Merchant Services (TMS) is a registered ISO/MSP for HSBC Bank USA, National Association, Buffalo, NY one of the largest banks in the world.

For back-end settlement of merchants' daily and monthly transactions, and for chargeback and retrieval processing, Total Merchant Services works with Global Payments, formerly NDCecommerce (NYSE Symbol: GPN).

Total Merchant Services works with a number of front-end authorization networks including NDC East, NDC Central (formerly MAPP), NDC West, Visanet, and Paymentech.

For Internet merchant accounts, we work exclusively with Authorize.net

For wireless merchants, we work with  Apriva GPRS Wireless network