What We Do...
Ocean Equity Payment Solutions was founded by Edward Zinner in 2002 to give businesses like yours the ability to accept checks, credit, debit, gift, loyalty, and fleet cards, as well as provide working capital to merchants in need of resources. The US Census Bureau estimates that there are 181 million credit card holders in the United States. On average, each card holder has about 5 credit cards in their wallet and less than $8.00 in cash! We strive to create secure, customized payment solutions that will help drive these consumers to your business – the business that accepts their preferred method of payment.
Whether you’ve opened a restaurant, retail store, eCommerce store or mobile business, we are confident we will provide you the services and expertise to make accepting all forms of payment as easy as a day at the beach. Don’t take the chance of becoming obsolete; the tools that will propel your business are here and easy to use! Our merchants have access to the latest in payment technology and the peace of mind in knowing their customers’ information is protected.
When considering your options for merchant services, look no further. Ocean Equity Payment Solutions is proud to offer the finest products to meet all of your needs in this rapidly expanding industry. Give us a call today and one of our knowledgeable representatives will tailor-fit a solution to your business. As a fully accredited member of the BBB with an A+ rating, we are sure you will have smooth sailing with Ocean Equity!
We are experts in:
| • Merchant Services |
• Credit Card Services |
• Point Of Sale Terminals |
| • Credit Card Processing Terminals |
• How To Accept Credit Cards |
• Payment Processing Online |
| • Credit Card Terminal |
• Echeck |
• Merchant Account Services |
| • Accept Online Payments |
• Cash Advance |
• Small Business Loans |
| • Cash Flow Loans |
|
|
Our service area includes:
Our headquarters area of Virginia Beach, Norfolk, Chesapeake, Newport News, Hampton, Portsmouth, Suffolk, Yorktown, Williamsburg, Smithfield, Isle of Wight, Poquoson, Eastern Shore, Hampton Roads, and Richmond, Virginia, as well as Alabama, AL, Alaska, AK, Arizona, AZ, Arkansas, AR, California, CA, Colorado, CO, Connecticut, CT, Delaware, DE, District of Columbia, DC, Florida, FL, Georgia, GA, Idaho, ID, Illinois, IL, Indiana, IN, Iowa, IA, Kansas, KS, Kentucky, KY, Louisiana, LA, Maine, ME, Maryland, MD, Massachusetts, MA, Michigan, MI, Minnesota, MN, Mississippi, MS, Missouri, MO, Montana, MT, Nebraska, NE, Nevada, NV, New Hampshire, NH, New Jersey, NJ, New Mexico, NM, New York, NY, North Carolina, NC, North Dakota, ND, Ohio, OH, Oklahoma, OK, Oregon, OR, Pennsylvania, PA, Rhode Island, RI, South Carolina, SC, South Dakota, SD, Tennessee, TN, Texas, TX, Utah, UT, Vermont, VT, Virginia, VA, Washington, WA, West Virginia, WV, Wisconsin, WI, and Wyoming, WY.
About our merchant services company
In 2002, Edward Zinner, Cindy Zinner and Lauren Zinner founded Ocean Equity Payment Solutions in Virginia Beach. Since then the credit card processing company has served clients nationwide with credit card processing terminals, credit card terminal, credit card services, how to accept credit cards, echeck, point of sale terminals, payment processing online, merchant account services, accept online payments, cash advance, small business loans, and cash flow loans.
What We Offer...
CREDIT CARD PROCESSING
Ocean Equity strives to provide unparalleled credit card processing solutions to our customers. We process all major credit cards brands, including Visa, MasterCard, American Express, Discover, Wright Express and Voyager, as well as offers gift card programs to our customers. Ocean Equity Payment Solutions views our merchants as partners, so we make every effort to ensure your needs are not only met, but exceeded. OEPS also uses what is referred to as a full-disclosure contract, so no hidden fees or runaround here; just honesty, reliability and commitment. We offer highly competitive rates that are backed by our low price guarantee: If we cannot reduce your credit card processing costs, we will write you a check for $250 dollars!
Benefits of Processing with Ocean Equity include:
- Consummate pricing, flexibility and service
- Convenient reporting tools and the ability to view account activity online
- Industry specific solutions to meet your unique business needs
- Uninterrupted and seamless transition for merchants already processing cards
- Dedicated field and phone service, in addition to a toll-free live technical support 24/7/365
Ocean Equity Payment Solutions’ customer base ranges from small family owned operations to national retail chains. We have experience in virtually every major industry and tailor custom payment processing solutions to meet your business needs.
MERCHANT CASH ADVANCES
If you are looking for a business loan, you will have to put an enormous amount of time and effort into the business loan application process. Chances of getting approved for a small business loan are very slim these days.
Even if you are approved for a loan, you may have to wait for months to receive the funds. Ocean Equity can offer you a perfect alternative to a business loan. We can provide your business with working capital against its future credit card (Visa/MasterCard) sales from your customers, even if your credit is less than perfect.
Based on recent business history, you may qualify for a business cash advance up to $300,000. Our application is simple and takes only a few minutes to complete.
How It Works:
- High Approval Rates
- Fast Funding
- Minimal Documentation
- No Checks to Write
- Automated Collection Through Future Credit Card Swipes
Potential Uses of Funds:
- Purchase Inventory
- Support Payroll needs
- Expand Your Business
- Unexpected Opportunities
- Unexpected Expenses
- Renovate/Remodel
- Fund Marketing Campaigns
- Pay Taxes
- Bridge Seasonal Periods
- Avoid Taking On a Partner
- Buy out an Existing Partner
- Virtually Anything!
Equipment...
Ocean Equity has a wide variety of peripherals to fit any business’ need.

Terminals
When it comes to processing payments, you need dependable high-performance equipment for fast transactions, built-in security to protect your customers' card information, and a compact package to save on counter space. Depending on the type of business you operate, you may have other special needs. Ocean Equity Payment Solutions has the terminal and the related peripheral devices to provide our merchants with the most capability and features—all at reasonable prices. If speed is a main concern, we offer connections through your internet. Dial-up is also available, with a Wi-Fi option on many models.

E-Commerce Solutions
Processing credit cards over the Internet is one of the fastest growing segments of transactions today. In fact, there were over 2.4 billion online transactions in 2009. Ocean Equity Group offers merchants the ability to directly integrate payment processing into their website or simply use a virtual terminal. If you are a merchant that is processing transactions from orders placed over the phone or by mail, a virtual terminal can be an excellent solution.
An Internet merchant account creates a financial relationship between you and a credit card processor, allowing timely and accurate deposits into your bank account. It differs from a regular merchant account in that an internet merchant account is approved to run web initiated transactions over the Internet, while a regular account is not approved for web transactions. This usually involves a website with real time credit card processing.

Payment Gateways
A payment gateway is a remotely hosted software application that transmits transaction data (either from your website or from a virtual terminal where you manually enter or key in transactions) to a credit card processor. This is a seamless process and your customer does not directly interact with the gateway; as data is forwarded to the gateway via your shopping cart and a secure (SSL) connection.
Choosing the proper payment gateway is vital element, which will contribute to the success of your online business. Our payment gateway of choice is Authorize.Net, which is pre-integrated with most shopping carts. Authorize.net offers a robust feature set, and includes a virtual terminal for manual entry.

Shopping Cart Technology
Most online businesses require shopping cart technology on their website. This is especially true for companies with extensive product catalogs. A shopping cart allows website visitors to pick and choose the items they wish to purchase. The shopping cart function then collects the customers address, prices the product with applicable taxes and shipping; ultimately connecting to a payment gateway to process the credit card order.
OEPS is well-equipped to handle your internet credit card processing needs. Contact us today to get started.