Oakmont is the all-in-one growth partner: payments and marketing under one roof. From main-street shops to high-risk brands the big processors won't touch — we scale companies the right way.
In person, on the phone, in your shop.
A person answers. If we miss you, we call back same day.
Scaling the right way means the money side and the growth side finally talk to each other. Payments and marketing, one roof, one team accountable for all of it.
Transparent pricing, itemized line by line. A local rep who answers — not a 1-800 queue.
Countertop, mobile, or full POS — matched to how your shop actually runs. Dual pricing done compliantly.
Peptides, CBD, nutra, telehealth, direct-to-consumer — hard-to-place verticals matched with acquiring banks that actually underwrite them.
Fast, mobile-first sites you own — built to turn a Google search into a phone call.
Google Business Profile, maps ranking, and automated review requests after every sale.
AI receptionist, missed-call text-back, and follow-up that never sleeps — so no lead slips through.
Bring us one processing statement. We break down your effective rate, flag the junk and padded line items, and show you — in plain English — exactly what you're overpaying and what it takes to fix it.
Audit my statement →Illustrative example — your review is built from your actual statement. No obligation.
The order matters — marketing dollars are wasted if the back end is bleeding.
Free audit first. We switch you to transparent processing and the right equipment, and the overpaying stops.
The money your old processor was taking now pays for the front end: your website, your Google presence, your reviews.
Local search, campaigns, and automation bring customers in — and every card they tap costs you less than it used to.
Our model is residual — we only earn while you're winning. That changes how we behave.
"High risk" just means most processors don't understand your business. We do — and we still take care of the shop on the corner.
Get approved somewhere that never should have taken you — decent pricing until underwriting catches on, then it's a frozen account, held funds, and a shutdown with no warning.
Crypto, Zelle, wires — surviving without a real merchant account. It reads sketchy to your customers at checkout, kills conversion, and caps how big you can ever get.
A competitive rate on an account structured for longevity — the right bank, the right MCC, chargeback tooling from day one. Your customers pay by card, like at any real business. Because you are one.
Our flagship vertical. We know the underwriting questions, the descriptor and MCC rules, and which acquiring banks have real appetite — so you get stable processing instead of shutdown roulette.
Peptides · Research compounds · CBD & hemp · Nutraceuticals · Supplements
Card-not-present and high-chargeback verticals need structure from day one: honest applications, reserves you can live with, and chargeback tooling before you need it.
eCommerce & DTC · CBD · Telehealth · Subscription · Coaching & info
The businesses we started with. Statement audits, dual pricing done compliantly, fast terminals, and a Google profile that wins "near me."
Auto & smog · Liquor & markets · Restaurants · Salons · Retail
That's the pattern we break. Fifteen minutes is usually enough to tell whether your setup survives its next underwriting review — and what it should be costing you.
One quick question, tell us how to reach you, and a local rep takes it from there.
So the right person calls you back.
A local rep will follow up — usually same day.
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Yes — it's a core focus. We place hard-to-underwrite verticals (peptides, CBD and hemp, nutraceuticals, telehealth, subscription, direct-to-consumer eCommerce) with acquiring banks that have genuine appetite for them, and we structure the application honestly: correct MCC, clean descriptors, realistic volume. Approval is always subject to the bank's underwriting, but going in with the right structure is most of the battle — and it's what keeps accounts stable after they're live.
We analyze one recent processing statement — effective rate, junk fees, contract terms — and take a quick look at your website and Google Business Profile. You get a plain-English breakdown of what's leaking and what it would take to fix it. No obligation either way.
No. The two sides work together but they're not handcuffed. Plenty of businesses start with one and add the other once they've seen how we work.
We build on month-to-month relationships wherever possible and we'll walk you through any term before you sign it. Our model is residual — we only do well if you stay because you want to.
We're based in Ventura County and work throughout Southern California — in person for local businesses, and by phone and screen-share beyond that.
It depends on scope — a website build is different from ongoing local search and ads. Every engagement starts with the free review, and you'll get a flat, itemized quote before anything begins.
Send us one recent statement and we'll break down your effective rate, flag any junk or padded fees, and show you — in plain English — what a transparent setup actually costs. No obligation, and in most cases you keep your current equipment.
Processors bury the real cost across a dozen line items on purpose. Most owners never check — until someone shows them.
"2.6% flat" sounds simple until the statement shows PCI fees, batch fees, statement fees, and a dozen line items stacked on top. The real effective rate is almost always higher than what you were quoted.
Call five processors and you'll get five different quotes in five different formats — none of them apples to apples. Most owners give up and stay with whatever they already have.
We read your actual statement line by line, show your real effective rate, and tell you exactly what changes and what it costs. If your current setup is already fair, we'll tell you that too.
Most merchants can switch without changing their bank account or, in many cases, their equipment. We'll walk you through every term before you sign anything — no long-term lock-in, no early termination surprise.
Send your details and, if you have it, a recent statement — we'll come back same day with your real numbers.
We'll review your details and reach out the same business day with your statement breakdown and next steps. If you have a recent statement handy, reply to our confirmation email with it and we'll move even faster.
Oakmont Payments · Merchant ServicesBuilt for owners tired of juggling a web guy, a freelance SEO person, and an ads account nobody can explain. We build the site, manage your local search and reviews, and report in plain language — one team, accountable for all of it.
Agencies bill monthly for work you can't see. DIY takes hours you don't have. There's a third way.
A flat monthly fee, a vague report, and no clear line between what they did and what would've happened anyway. Cancel and find out how much of it was actually working.
Your website, Google profile, and review requests all need attention — and they're the first thing that gets skipped when the shop gets busy. Which is most of the time.
We build a site you actually own, keep your Google profile and reviews current, and tell you what's working without the agency jargon. Same team you already call about payments.
Every engagement starts with a free consult and a flat, itemized quote before anything begins. We build on month-to-month relationships wherever possible — no 12-month agency lock-in.
Send your details and we'll come back same day with a growth plan and flat pricing.
We'll review your details and reach out the same business day with a growth plan and flat pricing. Keep an eye on your inbox — and your phone if you left a number.
Oakmont Payments · MarketingBuilt for the verticals mainstream processors won't touch — from B2B RUO peptide distributors to direct-to-consumer peptide, CBD, and wellness brands. We place your account with acquirers who actually underwrite these verticals — no miscoded MCCs, no surprise holds six weeks in.
Most high-risk businesses end up choosing between two bad options. There's a third one.
Square, Stripe, and PayPal approve almost anyone in minutes — because they underwrite algorithmically, after you're already live. Once your real volume and vertical show up in their risk review, the account gets flagged. Merchants have had tens of thousands of dollars held or frozen with no warning and no one to call.
Or you find a processor who'll take the risk — at a rate that makes the margin barely worth it, with terms that were never fully explained, because the account was priced to disappear if things go wrong.
We do the underwriting up front — real questions about your product, volume, and delivery model — and place you with a bank that actually wants this vertical. Slower than "instant," on purpose. That's what keeps your funds from getting frozen six weeks in.
High-risk pricing is set per account — your chargeback history, volume, and delivery model all factor in, and so does which bank ultimately underwrites you. Some high-risk accounts carry a rolling reserve; whether yours does, and what it looks like, depends on your risk profile. Either way, you'll see exact numbers before you sign anything. No terms sprung on you after the fact.
Submit your details and we'll come back same day with your rate structure and onboarding path.
We'll review your details and reach out the same business day with pricing and next steps. Keep an eye on your inbox — and your phone if you left a number.
Oakmont Payments · High-Risk Division