Industry News
Chargebacks in 2026: What High-Risk Merchants Are Facing
Visa replaced VDMP with VAMP and dropped the excessive threshold to 1.5%. What that means for high-risk merchants, and the three pillars of managing it.
E-Commerce Payment Processing. Engineered by a Rocket Scientist.
27 years. 85,000 merchants. No up-front fees. No long-term contracts. Just results.
Advanced Payment Processing Solution
Technology to Maximize Your Bottom Line
- No Application Fees
- No Early Termination Fees
- Fast Response Time
- Access to Multiple Banks and Processors
- Faster Approvals
- Real People Who Answer the Phone
- Long-Term Relationships
Why Total-Apps
Total-Apps was founded by a former NASA mechanical engineer who worked on the International Space Station program, then earned an MBA and moved into e-commerce during the dot-com boom. The precision, systems design, and zero tolerance for error that program demanded now go into building custom merchant accounts for complex and emerging-market businesses.
When your payments can't afford mistakes, it helps to have them engineered by a rocket scientist.
What We Do
Custom Setup
- White-Glove / Concierge Service
- Dedicated Account Manager
- Deep Industry Expertise
- Ongoing Proactive Support
Payment Processing Expertise
Payment processing is the foundation of your business, so it pays to learn from experts who have handled 85,000 businesses. Across 27 years, Total-Apps has seen what works and what fails in nearly every industry, and we put that expertise to work selecting and deploying the right solutions for your company from day one.
Benefits for Merchants
Large enterprises gain efficiency from custom payment solutions and dedicated account service. Fast-growing businesses, franchises, and emerging verticals benefit from technology that automates time-intensive work, splits revenue automatically, lowers fraud risk, and minimizes chargebacks. When emergencies hit, we resolve them fast so you can resume business.
The Total-Apps Advantage
Total-Apps is your dedicated merchant account department. We handle the banking relationships, the technology, the compliance, and the problems, so you don't have to. When an issue hits your payments, one call reaches a team that already knows your account and resolves it fast. It's an entire payments department working for you, without the overhead.
Payment Expertise
Avoid costly payment processing mistakes before they happen by drawing on more than 27 years of experience.
All Banking Relationships
Scale and overcome problems with our tested multi-bank solutions. Relationships with the right banks let you grow faster worldwide, without prohibitive cost.
Advanced Technology
We build high-performance processing engines with the right tools, methodologies, and technology, so you gain efficiency, lower risk, and accelerate expansion across even the most complex payment processes.
U.S.-Based Customer Service
Get solutions to critical payment processing problems from your dedicated service team, whenever and wherever you need.
Awards
Payments are an engineering problem, not a sales problem. The businesses that win are the ones set up with the right components from day one.
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
From the blog
Industry News
Industry News
Digital Remittance
As customers are becoming more comfortable using mobile devices, the remittance industry is being digitally remastered. Competition from new entrants and margin pressures from a growing global consensus on lowering remittance transaction fees are the main causes for the shift to digital. Digital financial services have soared internationally, leading to important developments in the transformation towards …
Industry News
Mobile POS Systems & their Benefits
Mobile technology is here to stay in the retail industry, and merchants can take advantage of the ability to sell products anywhere. Mobile Point-of-Sale systems, such as Square and CPMobile, provide the opportunity to run businesses more effectively. Traditional Point-of-Sale systems aren’t going to be phased out just yet, however adding the mobile POS systems …
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
Rey Pasinli
Payments Engineer · 27 years in payments