SDVOSB · Service-Disabled Veteran Owned Business

Payment Processing
Done Right — Finally.

No hidden fees. No confusing statements. No runaround. Just transparent, client-first payment solutions from a Veteran who worked for major processors and knows how they really operate.

Get Your Free Statement Review See How We're Different
20+
Years of Experience
$27B+
Volume Managed
100%
Transparent Pricing
🛡️ PCI DSS Compliant Solutions
⭐ Transparent Pricing
🤝 No Long-Term Contracts
📞 Direct Access to our Team
🎖️ Veteran-Owned & Operated
The Problem
Your Processor Is Probably
Working Against You

After 20+ years at major processors — Rich, saw firsthand how merchants get shortchanged. He started One Point Payments to change that and stand with his clients.

  • ✗
    Obscure fee structures — Statements designed to confuse, not inform. You can't optimize what you can't understand.
  • ✗
    Hidden fees & Nonsense Annual fees — Processors charging outrageous rates along with annual fees with no disclosure.
  • ✗
    No one who actually picks up the phone — Call centers, long holds, and reps who don't know your account.
  • ✗
    Rate increases buried in fine print — Mid-contract rate hikes that you may never even notice.
The One Point Difference

BusinessOwner -to- Business Owner. Transparent. We Are In Your Corner.

We're a small business too. When you work with One Point Payments, you work directly with our concierge — not a call center, not rep overseas.

  • ✓
    Free statement analysis — we show exactly what you're paying
  • ✓
    Proper pricing programs — know what you are paying from the start
  • ✓
    Month to month contracts; If you aren't fully satisfied, you are free to leave
  • ✓
    Level 2/3 optimization for B2B merchants
  • ✓
    PCI compliance guidance included
  • ✓
    SDVOSB - Preferred vendor for government contracts
What We Offer
Solutions for Every
Business Type
Talk to Rich →
💳

Merchant Services

Full-service credit and debit card processing with transparent pricing programs and superior customer service.

📱

Point of Sale Systems

Payanywhere Smart POS+, Smart Flex, Smart Terminal, and 3-in-1 readers. Hardware built for retail, restaurants, and mobile businesses.

🌐

E-Commerce & Online

Gateway integrations, virtual terminals, and recurring billing solutions for online merchants and card-not-present transactions.

🏢

B2B & Level 2/3 Data

Maximize savings on commercial card transactions with Level 2 and Level 3 data submission — often saving 0.5–1% on qualifying volume.

🏛️

Government Contracting

As a certified SDVOSB, One Point Payments is positioned to serve federal, state, and local government payment processing RFPs.

📊

Statement Analysis

Free, no-obligation review of your current merchant statements. We'll identify hidden fees, interchange padding, and savings opportunities.

Rich Pentony - Founder, One Point Payments
20+
Years in Payments

Meet the Founder

Rich Pentony, CPP

Rich is a Navy veteran and Certified Payments Professional (CPP) with over two decades of industry experience. He's held senior roles at other major processors — overseeing $27B+ in transaction volume and managing 350+ ISO/ISV partner programs.

After watching merchants get nickel-and-dimed by the very processors he worked for, Rich launched One Point Payments in 2022 with a simple mission: give every small business owner an expert in their corner who actually cares.

Based in San Diego, Rich is an active member of the local business community and brings the same discipline and integrity he developed in the Navy to every client relationship.

🎖️ U.S. Navy Veteran 📜 Certified Payments Professional 🎓 MBA — Florida International University ✅ SDVOSB Certified 📍Located in San Diego, CA
Client Stories
Merchants Who Made
the Switch
★★★★★
"Rich reviewed our statements and found we were being charged above published interchange rates for two years. He moved us to a Dual Pricing model and we're saving over $1,200 a month."
MK
Mike K.
Restaurant Owner, San Diego
★★★★★
"Finally a processor who explains everything in plain English. No surprises on the statement, and they actually picks up when I call. That alone is worth switching for."
SL
Sandra L.
Retail Boutique, La Jolla
★★★★★
"As a B2B company, Rich set us up with Level 3 data submission. Our commercial card rates dropped significantly. Should have made this move years ago."
DT
David T.
Print & Digital Services
Get Started
Ready to Stop Overpaying?

Let's Talk — No Pressure, No Obligation

Send your last merchant statements and we'll give you a complete, honest breakdown of what you're actually paying and where you can save. Most merchants save $200–$800/month after switching.

  • 📞
    Phone
    (619) 796-4073
  • ✉️
    Email
    rich@onepointpayments.com
  • 📍
    Location
    San Diego, California
  • ⏰
    Response Time
    Same business day

Get Your Free Statement Review

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