Based on 7 verified reports, this firm maintains a 88% trust rating within the Saving Traders community.
The Payment HQ helps small business owners take payments, run payroll, and access business financing — without the hidden fees, slow deposits, or one-size-fits-all support that most providers deliver. Regarded as one of San Diego’s top-rated payments firms by the San Diego Business Journal, we work with growing businesses that want more than just a low rate — they want a real partner who understands cash flow, operations, and growth. We don’t believe in locking businesses into rigid systems or forcing them into whatever platform pays the processor the most. We design payment, payroll, and funding solutions around how your business actually runs, so you keep more money, get funded faster, and spend less time fighting your back office. From restaurants and retailers to service businesses and medical practices, our clients come to us because they’re tired of being treated like a number. With The Payment HQ, you get transparent pricing, next-day funding, and a dedicated team that knows your business — not a call center. If you’re overpaying, dealing with funding delays, or stuck with outdated systems that slow you down, you’re exactly who we built this company for.See more
"This guys Cesar Valle might be okay for low risk merchants but he scammed for 4.5k for a high risk integration that turned around and charged me 3k to process 8k worth of sales volume then terminated my account. Go look him up on Reddit I’m not the only one he did this to. Real POS."
"We love our Skytab POS! 🙌 Dalila Gomez from The Payment HQ made everything simple, smooth, and easy for our team. Always professional and quick to help whenever we need it. Highly recommend for any restaurant or bar! – Amanda"
"I own Good Vibes CBD & Wellness, and switching to The Payment HQ was one of the best investments I’ve made. They helped me save thousands on card processing and actually understand the CBD space, which isn’t easy. They got me approved the right way, and my account has been running smoothly for over a year. Honest, transparent and available whenever I need help. Hands down the best merchant services company around."
"No clue how this ap works but I guess we’ll see if I get paid now."
"Since day 1 Cesario has been our local rep and has been there every step of the way to help me whenever I needed. The Payment HQ is the best merchant services and most trustworthy company I have dealt with. They support my industry which is considered high risk and made it very easy to get me an account approved. Besides getting an account approved and processing without issue, they also had a large catalog of terminal and point of sale solutions to select from. The point-of-sale system Cesar recommended to invest in has helped save me countless hours of inventory management. You get great customer service and options to select what’s best for your business. I absolutely enjoy working with The Payment HQ and of course their best rep Cesario. Thank you Cesario & The Payment HQ for supporting my business. Adam's Ave Smoke Shop"
"Payment HQ is the best Merchant Services out there!, not only are they local my rep Cesar always goes above and beyond to help my business with support (never switching). Even the supporting reps at Payment HQ are always willing help. The level of treatment and care I receive I can not even being to explain. I truly found a company that cares about my business needs and doesn’t treat me like a number. If you are needing or just looking for a new merchant you must to contact Payment HQ and ask for Cesar!"
"I am lucky to have had an exceptional experience working with Charles and Giovanni at The Payment HQ. Their team provided top-notch expertise and professionalism throughout the entire process. The platform they offer is user-friendly and robust, delivering seamless and secure solutions. I greatly appreciate their prompt and reliable customer service, always there to assist with any inquiries. I highly recommend The Payment HQ."
