Our costs are the same as the big banks! Our prices are lower, our service higher!


Affordable Credit Card Processing and Systems

Proudly Serving Our Merchants Since 1995

About Us

Business with Integrity

CMS was founded in 1995 with the promise to provide small to medium sized merchants low cost credit card processing and equipment.  Along with our low costs we provide personalized service that the large processors could only hope to  provide.   

We fully explain the fine print and do business the old fashion way, with the well being of our customers in mind.

Reputation for Affordability

California Merchant Systems has earned its excellent reputation in the marketplace because we go out of our way to provide truly exceptional service to each of our customers.  We have selected industry leading merchant friendly processing gateways and low cost / high value "State of the Art" equipment.  Our merchants can be assured to have minimal downtime in the future. 

We can process credit / debit cards on ANY Terminal, POS System, Software, or Online Gateway owned or leased by the merchant.  In MOST cases the merchant does NOT have to purchase new equipment!

What We Do For You

  • No Application Fees
  • Application Prep Assistance
  • 24/7 Customer Service
  • Next Day Approvals
  • All Businesses Qualify
  • Multiple Platforms
  • Lowest Processing Costs
  • State of the Art Equipment
  • Low Equipment Prices
  • Free Installations 
  • Free Equipment Reprograms
  • Free CMS Website Link
  • Industry References
  • Agnostic Equipment 

Poynt POS



The Poynt has front and rear facing displays,  connects with 3G, WiFi, or both, built in EMV reader, thermal receipt printer, Pay-At-Table ready, and 8 hour extended battery life.  The Poynt interfaces with dozens of peripherals and apps.


Poynt 5

Small in size, big in flexibility.  The Poynt 5 has a built in EMV reader and integrates with major POS systems, Aloha, Micros, and Dinerware. With it's 8 hour battery it is perfect for Pay-at-Table, Aisles, and Outdoors.   The Poynt 5 interfaces with dozens of peripherals and apps. 

uAccept POS

The MB3000 offers your business a fully-integrated tilting 9.7" touch screen POS system, wired / wir

uAccept MB3000

The MB3000 offers your business a fully-integrated tilting 9.7" touch screen POS system, wired and wireless connectivity.

The integrated magstripe card reader, integrated printer, customer facing display, wired and wireless connectivity, and includes the same full size 5 bill cash drawer.  


uAccept MB2000

The uAccept MB2000 offers all of the features of the MB3000 / MB4000, other than the tilting screen, with a smaller screen size and a smaller price.

Every feature in the MB2000 is the same as it’s bigger brother. The integrated magstripe card reader, integrated printer,  wired and wireless connectivity, customer facing display, and it includes the same full size 5 bill cash drawer.  Optional battery power is available.

Peripherals & Accessories

uAccept EMV / Debit PinPad


The compact MA150 EMV Reader and retail PIN Pad is the unmatched option for adaptability and convenience.

Wired and Wireless External Printers


This impact printer is the perfect printer for the kitchen of your restaurant.

Bar Code Readers


Reduce your customers checkout  time with this portable Bar Code Reader including a flexible stand that can be mounted to your countertop.

Cloud-Based Technology

View your business overview in one location

Unlimited Storage 

Secure - Affordable 

View daily, weekly, and monthly sales, access new notifications such as software updates, and use any of the Quick Links to access your account settings easily. 

Scheduled Screen Display

Create customized screens to display combinations of products on your POS. Select the days, times, products, and layout for each screen display. You also have the option to modify product prices when adding products to your scheduled screen display, perfect for your “Happy Hour” or “Lunch Special” menu. 

Run reports for business analytics and to find specific data

 View real time reports, including shift reports and daily reports. Analyze trends, set filters to find specific data, and view your sales by day, week, or month. 

Manage multiple POS devices in one account

Whether you have one or one hundred stores, data flows into your account. Growing your business is much easier with a POS from CMS.

Send data directly to QuickBooks™

Saves you time with seamless QuickBooks integration. Sales are imported automatically from the POS to QuickBooks Online™. 

Any Device, Anytime

Stay on top of your business by accessing your cloud-based account from ANY Internet connected device. 

Poynt and uAccept Videos

Credit / Debit Card / NFC - Apple Pay Terminals

Ingenico - iCT 220


Black and White Display 

Ingenico - iCT 250


Color Display

Ingenico - EMV / Debit PinPad


Color Display

Verifone - VX 520


Verifone - VX 520 & EMV / Debit PinPad


First Data - FD130 & EMV / Debit PinPad


Ingenico Roam Data Mobile Solutions


The reliable payments answer for mobile repair and sales companies.

Roam Data was the first to have a magnetic card reader for every phone produced. You can accept credit cards from any tablet or phone, (iPad or  Android tablets, or a Flip Phone, Blackberry, iPhone, or Android.)  A Roam solution can turn your device into a portable POS by selling from a custom menu.  They can track cash  as well as credit card transactions and automatically send receipt to your customer as well as to you .

Ingenico's Roam Data offers a combination EMV Chip and Magnetic Strip readers in two very reliable formats.  One reader attaches directly to the phone or tablet through the audio port as well as Bluetooth and the other connects via Bluetooth for those newer devices that do not have audio ports.

Computer "Cloud Based" Software


The Sterling Payment - Virtual Terminal

RECURRING PAYMENTS: This a very cost efficient method for merchants that rarely have card present transactions.  The Sterling Payment "Cloud Based" Virtual Terminal is an excellent choice for merchants that have recurring billing such as pool cleaning companies, gardeners, boat cleaning, etc. 

 TELEPHONE / MAIL ORDERS: Submit transactions manually by entering payment details into our online Virtual Terminal. This feature is ideal for merchants who take mail or telephone orders from their customers.  

This processing option is a zero cost , free, option for our merchants and is always ready when you are.

Online Merchant Credit Card Processing Integration


The Industry leader in card not present acceptance

ONLINE PAYMENT ACCEPTANCE: An Authorize.Net Payment Gateway account allows you to accept credit cards and electronic checks from websites and deposit funds automatically into your merchant bank account. Our solutions are designed to save time and money for small- to medium-sized businesses. 

We Recommend CMS

Peter Racine

Vice President, Supply Chain Operations

Harbor Frieght Tools

I have known Ted for several years and have found him to be an honest and caring person who strives to maintain a high level of integrity in all of his business and personal relationships. Ted is also a strong and effective leader, an excellent motivator, and a great friend.

Ellen Canty


Sterling Payment Technologies

Ted is passionate about his work, which is evident by the satisfaction of his customers. Ted joined Sterling as an independent contractor soon after Sterling was founded and was instrumental in helping the company grow. The staff of Sterling has always enjoyed working with Ted too, and has spoken highly of his professionalism. I strongly endorse Ted to businesses seeking his expertise in the payments processing industry.

Rodger Beard

Director, CRM Solutions

Information Design Consultants, Inc. 

Ted is a exceptionally focused and results oriented business professional with the highest ethics. His business, as well as Ted personally, has been highly supportive of the Dana Point Boaters Association and has been a significant factor in our success.

I highly recommend Ted and California Merchant Systems for all your business credit card processing requirements. 

Lucy Vernon


Vernon CPA and Company

Ted is an excellent service provider - responsive, flexible and professional. He goes above and beyond to get what you need, when you need it. His quick action on short notice has helped me several times to avoid unnecessary delays and frustration within the organization. Even in difficult situations, he maintains a sense of humor and keeps the process on track. I feel comfortable recommending his services to anyone." 

Brian Randall

Director of Acquisitions

OC Ocean Rentals

I am pleased to recommend California Merchant Systems to businesses that are contemplating accepting credit cards in their business or would like to lower their credit card processing costs.  

Ted and his company provided a low credit card processing cost solution for us and have worked hard for our company.  We were initially told that we would have to process through our internet gateway, but CMS quickly supplied the necessary information to the gateway company so we could still use the gateway, save processing money, and have a local business work for us.

Satisfied Customers


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OC Ocean Rantals

We are proud to be the provider of Premier Luxury Vacation Rentals in South Orange County. If you are looking for that perfect vacation location, look no further, OC Ocean Rentals has a wide variety of inventory to meet your specific needs.  

Check in at OC Ocean Rentals

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Eric LeVine is a tenacious and resolute litigator who will fight for your interests and the ultimate success in your case. 


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Read our Yelp Reports

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Time to read about us

Jeddy's has been a fixture in Dana Point, CA for over 30 years.  They are the interiors and upholstery standard that other companies try to emulate.   If you desire the best, call Jeddy's!

Check Jeddy's for quality.

The local and family owned Krone Hearing Aid Center has helped thousands of people with hearing loss  in Southern California since 1965.

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Established in 2006, the Greek Bistro is a family owned and operated restaurant located in Laguna Hills, CA. Family is at the core of who they are, so their family invites yours to explore the richness and splendor of the Greek Bistro’s dishes. From their classic gyros to signature bowls, their casual Greek dishes will make you feel like you’re in Greece. 

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Contact Us

We look forward to hearing from you!

California Merchant Systems

22996 El Toro Road, Lake Forest, CA 92630, US

(949) 951-0334