Total Merchant Services  provides internet merchants with complete e-commerce tools to set up shop on the net as well as a wide variety of equipment, software and services for mail order and retail establishments. 

Over the years we have learned that no two businesses are alike.  Every business has it's own unique needs and budget.  Unlike others who try to "pigeon whole" every client into one or a few programs, we will work with you to come up with a solution that is just right for your business and your budget. 

There's more to accepting credit cards than just giving customers another way to pay. By choosing Total Merchant Services as your merchant account provider, you'll be joining with a company that provides:

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 if you need them.

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 with several Internet gateway providers including Verisign, Authorize.net and Plug 'n Pay Technologies Inc. (with the proper trademarks).
For wireless merchants, we work with  Cingular (RAM network)