Payments, POS & funding for San Diego

Everything the big payment companies claim to be.

Enterprise technology. On a first-name basis.

The same technology the giant POS systems run on, with the transparency none of them will ever give you. No contracts. No rate hikes. No hidden fees. Just a local San Diego guy who answers the phone and actually delivers.

Find your hidden fees Book a face-to-face video call

Prefer to talk now? Call (858) 867-7222 or text (619) 991-0008, anytime.

Same tech as the big guys Locked rates for life Zero contracts Transparent pricing
Free · no signup

What are you really paying?

Pull last month's statement. Two numbers reveal your real effective rate, the one they bury.

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Your real effective rate
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Enter your volume and fees above.
Most San Diego shops land between 3% and 4.5% once the junk fees are baked in. Want every fee behind that number? Send your statement and I'll read it back to you line by line, free.
The difference

What the big guys can't give you

Three things no faceless processor can match.

1

The tech of the giants

The same enterprise-grade POS, payments, funding, invoicing, and built-in CRM the biggest names in payments run on. You're not getting the budget version.

2

The transparency they hide

No contracts. No rate hikes. No hidden fees. Interchange-plus pricing where you see the real cost, the honesty the big companies will never give you.

3

A local guy who delivers

I'm a San Diego resident who answers the phone and actually does what the big companies only claim to. You get me start to finish, not a 1-800 number.

The full stack

The same tools the big platforms run on

Not just processing. The whole system, set up and supported by one person. Me.

✓
Modern POS & terminals
Clover, restaurant, retail, mobile, and tap to pay, set up for how you actually work.
✓
Transparent processing
Interchange-plus or dual pricing that can take card fees to zero or near zero, the legal way.
✓
Business funding
Cash advance and next-day funding when you need to move, not float.
✓
Built-in CRM (MindMe)
Your POS comes with a full CRM, customer database, loyalty, and automated Google reviews. Built in, not a separate bill.
✓
Invoicing & ACH
Email and text invoices, recurring billing, e-checks. Get paid without chasing.
✓
One person who answers
Something breaks, you call me. Not an 800 number, not a queue. Me.
Robert Nazarinia
No 1-800 number

Call me. I answer.

I'm Robert, and I'm your partner, not a rep. The big processors hand you world-class technology and a phone tree. I hand you the same technology and my cell. I'll even pull up the CRM that comes with your POS and show you the customer and review tools live, so you see exactly what you are getting before you sign anything.

San Diego based, San Diego County focused. When you win, I win. I earn it every month, and you can fire me anytime. No lock-in.

And it is not just me. A full processing team, the technology, and the backing of a major company sit behind me. You never have to deal with any of them. You get one person, with the muscle of a whole company behind him.

My promise after you sign:

I personally sit down and walk through your first statement with you, line by line, and explain anything that looks out of place or that I didn't disclose. Try getting that from a 1-800 number.

Robert Nazarinia · (858) 867-7222
Real numbers

What businesses like yours keep

Typical results by business type and monthly card volume.

Restaurant · full-service

Around $55K a month in cards. Dual pricing. Keeps about $17,000 a year.

Auto repair

Around $50K a month in cards. Dual pricing. Keeps about $15,000 a year.

Nail salon · spa

Around $15K a month in cards. Dual pricing. Keeps about $4,700 a year.

Retail · convenience

Around $35K a month in cards. Dual pricing. Keeps about $10,500 a year.

Dental · practice

Around $60K a month in cards. Interchange-plus, Level 2/3. Keeps about $4,300 a year.

B2B · wholesale

Around $75K a month in cards. Interchange-plus, Level 2/3. Keeps about $6,000 a year.

Real results from real San Diego merchants. Names withheld for their privacy. Your exact number comes from a review of your own statement.

California SB 478

Is your card pricing set up right?

California's Honest Pricing Law (SB 478, effective July 2024) changed how prices and card fees have to be shown. The old "3% fee" sign on its own may not be enough anymore, and getting disclosure wrong can open you to consumer complaints. I set merchants up the compliant way, so you keep more without the headache.

Free 10-minute compliance check
General information, not legal advice.
Straight answers

Questions owners actually ask

How are you different from Square or Toast?+
Same caliber of technology, the difference is you. You get a real local person who finds and fixes your specific costs and answers the phone, instead of a help desk and a flat rate that doesn't care what you sell.
How much can I actually save?+
Depends on your volume and card mix. Send a recent statement and I'll show you the real number, not an estimate. Most owners are surprised.
Do I have to sign a long contract?+
No. You can fire me as your processor and switch anytime. No lock-in, no rate creep. I earn it every month.
Is charging a card fee legal in California?+
Often yes, but how you price and disclose it matters under SB 478 and California's surcharge rules. A simple sign may not be enough on its own. I set you up so it's structured and disclosed correctly. This is general information, not legal advice; check with your attorney for your situation.
How fast can I switch?+
Usually days, not weeks. A simple processor switch or a full POS setup, whatever fits. I handle setup and support; you keep running your business.
Free, before you sign anything

Walk away with value, not a pitch

The big guys make you sign to find out anything. I hand it to you up front.

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Junk-fee statement audit

I expose every hidden charge they bury, PCI, statement, batch, "non-compliance" fees, monthly minimums, surprise subscriptions, line by line.

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Your real savings number

A real figure from your actual statement, not a sales estimate. No guessing.

★

Custom setup recommendation

I run your business through my recommender and tell you the exact POS and program that fits, no upsell.

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A live tour of the built-in tools

I'll show you the CRM, customer database, and review tools that come with your POS, live.

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SB 478 compliance check

A free 10-minute look at whether your card pricing is set up the right way. General info, not legal advice.

☰

The hidden-fees guide

My breakdown of the 5 fees quietly hiding on almost every processing statement. Yours, free.

Free junk-fee audit

Send your statement. I'll find what they're hiding.

The big processors quietly bury PCI fees, statement fees, batch fees, "non-compliance" charges, monthly minimums, and surprise subscriptions, and never say a word. Upload your last statement and I'll show you every one, plus your real number, usually within one business day. No call required.

What happens after you upload
  1. You send your last statement.
  2. I personally read it and flag every junk fee, subscription, and hidden charge they buried.
  3. Within one business day, I send back your real number and exactly what they are charging you.

Your phone number is only so I can reach you about your review. Your info goes to me, and to nothing beyond the services that run this site. No lists, no selling, no spam.

By sending, you're asking me to review your statement and contact you about it. Privacy Policy.

Goes straight to me. I'm the only person who reads it, and I never sell or share your info for anyone's marketing.

Got it. Statement received.

I'll read it and send your real number within one business day. Talk soon. Robert

Find me everywhere

Same face, every platform