Let’s Review Your Payment Setup. It’s Free.
Connect with a local merchant services advisor who will show you exactly where your fees are going — and where you can save.
Tell Us About Your Business
Share a few details and we’ll reach out to schedule your free statement review. Most reviews are completed within 24–48 hours.
Prefer to talk first? Call us directly: (714) 794-2456
Call Us
Talk directly with our team about your payment processing needs.
Monday–Friday, 9am–5pm PST
Email Us
Send us a message and we’ll respond within one business day.
Average response: same day
Visit Us
Based in Huntington Beach, serving all of Orange County and beyond.
Huntington Beach, CA
By appointment only
Orange County Merchant Services — Who We Work With
DL Payments works with small and medium-sized businesses throughout Orange County and across California. Whether you’re a restaurant in Huntington Beach processing $60,000 a month, a contractor in Irvine running high-ticket card-not-present transactions, or a supplement business that’s been shut down by Stripe — a free statement review is the fastest way to understand your current costs and what a properly structured account would actually save you.
We work with businesses across every common category:
- Restaurants and food service — high transaction volume, tip adjustments, POS integrations
- Retail stores — in-person and ecommerce, inventory-connected processing
- Contractors and trades — mobile payments, virtual terminals, high-ticket transactions
- Healthcare and professional services — recurring billing, ACH, HIPAA-compatible flows
- Ecommerce businesses — gateway integrations, chargeback mitigation, online checkout
- High-risk industries — supplements, peptides, CBD, coaching, subscription businesses
Our service area covers all of Orange County including Huntington Beach, Irvine, Newport Beach, Costa Mesa, Santa Ana, Garden Grove, Westminster, and Fountain Valley. We also work with businesses nationally for high-risk merchant accounts.
The free statement review takes under five minutes. You share your most recent merchant processing statement and we show you your true effective rate, identify hidden fees, and explain exactly what a switch would save. No obligation, no sales pitch — just the numbers.
Before You Reach Out
Quick answers to the most common questions we hear before a first consultation.
Yes — completely free with no obligation. We analyze your current statement line-by-line to identify hidden fees, pricing inefficiencies, and your true effective rate. If we can’t help you save, we’ll tell you honestly.
Just your most recent merchant processing statement — usually a PDF from your processor. It shows us your current rates, fees, and volume so we can provide an accurate comparison. Nothing else is required to get started.
We typically respond the same business day. If you submit in the morning, you’ll usually hear back before end of day. For faster response, call us directly at (714) 794-2456.
We’ll reach out to schedule a brief 15-minute call to understand your business and payment needs. After that, if you share your statement, we’ll complete the analysis and walk you through our findings — with no pressure to move forward.
Yes. While we’re based in Huntington Beach and focus on Orange County, we work with merchants throughout California and across the United States. The statement review process works just as well remotely.
Helpful Resources to Review First
Calculate Your Current Rate
See your true effective processing rate instantly. Most businesses discover they’re overpaying by 5–20%.
Our Payment Solutions
Merchant accounts, POS systems, ecommerce, cash discount programs, and high-risk accounts — all with transparent pricing.
Orange County Businesses
Based in Huntington Beach — local knowledge and real human support for businesses across all of OC.
Ready to Stop Overpaying for Credit Card Processing?
Partner with a local advisor who believes in transparency, stability, and real human support.