Collierville, TN — Memphis metro & nationwide
Stop overpaying to
accept cards.Keep the difference.
Send one statement. We build a line-by-line savings analysis for free, place your terminal or POS at no cost, and put you on a month-to-month agreement you can walk away from any time. Most merchants save 15–30%.
- No contracts, no cancellation fee
- Free terminal or free POS
- 24/7 real-human support
- Next-day funding available
15–30%
typical savings on processing cost
24–48 hrs
from application to approval
Next day
funding on qualifying accounts
0%
effective rate option with cash discount
Why merchants switch
Three things most processors will not put in writing.
We do, on every account, regardless of size.
No contracts, ever
Month to month. Cancel any time. Zero early termination fee. We keep your account by earning it every month.
Free terminal or POS
New terminal or a full POS system placed at no equipment cost — no lease, no purchase, no 48-month trap.
24/7 human support
A real person, any hour. Terminal down at 9pm on a Saturday? You call the owner, not a ticket queue.
Also included: free rate and statement analysis, next-day funding, approvals in 24–48 hours, high-risk friendly underwriting, and compliant cash discount or surcharge programs that can take your effective rate to nearly zero.
What you actually get
Six things that decide whether an account is any good.
Rate matters. These are what determine whether the account still works in year two.
Processing that stays up
Bank-direct authorization on tier-one platforms rather than an aggregator that can freeze your account by algorithm.
A backup processor on file
For higher-risk categories we board a secondary account so a single decline or review never stops you taking money.
Reserves kept reasonable
Where underwriting asks for a reserve we negotiate the percentage and the hold period, then push for review as clean history builds.
Integration that already exists
Shopify, WooCommerce, BigCommerce, Magento, QuickBooks and the major gateways. No custom development to go live.
Funding you can plan around
Next business day on most low-risk accounts when you batch before cutoff. High-risk usually two to three days, told to you up front.
One named person
Oussama Terrab's direct line for anything the support queue cannot solve — pricing, underwriting, a device that needs replacing.
Compare
Us versus how this usually goes.
Not aimed at any one company. This is the pattern almost every owner describes when they show us their current setup.
| Feature | A typical processor | Terrab Solutions |
|---|---|---|
| Pricing model | Tiered, with buckets you cannot see | Interchange-plus, both components on the statement |
| Quote before seeing your numbers | A headline rate over the phone | Nothing until we have read a statement |
| Contract | 2–3 year term with a termination fee | Month-to-month, no termination fee |
| Equipment | 48-month lease that survives cancellation | Placed free, ships back if you leave |
| PCI | A monthly non-compliance fee | We complete the questionnaire so it never triggers |
| Support | Ticket queue in another state | 24/7 processor line plus a direct cell number |
| High-risk categories | Declined, or approved then frozen | Placed with banks that underwrite the category |
| After you sign | Nobody calls again | Statement rechecked at 60 days against the quote |
Pricing model
- A typical processor
- Tiered, with buckets you cannot see
- Terrab Solutions
- Interchange-plus, both components on the statement
Quote before seeing your numbers
- A typical processor
- A headline rate over the phone
- Terrab Solutions
- Nothing until we have read a statement
Contract
- A typical processor
- 2–3 year term with a termination fee
- Terrab Solutions
- Month-to-month, no termination fee
Equipment
- A typical processor
- 48-month lease that survives cancellation
- Terrab Solutions
- Placed free, ships back if you leave
PCI
- A typical processor
- A monthly non-compliance fee
- Terrab Solutions
- We complete the questionnaire so it never triggers
Support
- A typical processor
- Ticket queue in another state
- Terrab Solutions
- 24/7 processor line plus a direct cell number
High-risk categories
- A typical processor
- Declined, or approved then frozen
- Terrab Solutions
- Placed with banks that underwrite the category
After you sign
- A typical processor
- Nobody calls again
- Terrab Solutions
- Statement rechecked at 60 days against the quote
Run the numbers
See the number before you talk to anyone.
Transparent interchange-plus math. No email gate to see your estimate.
Savings estimator
What are you actually paying to accept cards?
Four inputs. Transparent interchange-plus math, shown line by line. No email required to see the number.
No statement handy? We assume 3.05% — the blended rate we see most often on flat-rate and bundled accounts.
Estimated savings
24% lower$137/ month
$1,649 a year
- What you pay today
- $1,373/mo
- Estimated Terrab cost(2.31% effective)
- $1,041/mo
- With cash discount (0.06% effective)
- $1,348/mo saved
Interchange-plus model: interchange 1.80% + $0.10 per item, plus a 0.05% + $0.05 markup and a $39.99 monthly service fee, disclosed up front and never changed without notice. This is an estimate, not a quote — your real number depends on your card mix and comes from your statement.
How it works
Three steps. About one business day of your attention.
Send one recent statement
All pages, any format — photo, PDF or portal export. That is everything we need to get started.
We build a side-by-side
Line-by-line: what you paid last month versus what the same month costs with us. Usually back within one business day.
Free equipment, live in 48 hours
Approved in 24 to 48 hours. We program the equipment before it ships and walk your staff through the first batch.
Equipment
Free hardware, matched to how you actually take money.
We do not push one box on every business. Countertop, handheld, full POS or gateway — placed free on qualifying volume, programmed before it ships.
NRS POS. Convenience stores and smoke shops. Scanning, age verification, inventory.
Clover & Shift4. Restaurants and bars. Tips, tables, handhelds, online ordering, kitchen display.
Dejavoo & PAX terminals. Retail, service and mobile. Tap, chip, swipe, digital wallets, tip prompts.
Gateways. E-commerce and phone orders. Tokenized card on file, recurring billing, hosted checkout.
Equipment program
Free terminal placement, and a replacement when one dies.
Equipment is placed at no cost for the life of the account on qualifying volume. You do not buy it and you do not lease it. There is no 48-month equipment lease, which is the single most expensive piece of paper in this industry and the one that survives cancelling your processing.
If a placed device fails, we ship a replacement and you keep processing. A dead terminal on a Saturday is a revenue problem, not a support ticket.
- Programmed before it ships or before we walk it in
- Staff walkthrough included, on site where we can drive
- Ships back if you close the account — nothing to buy out
- No setup or reprogramming fee
Equipment store
Need hardware today? Buy it here at cost-plus pricing.
Terminals, POS systems, receipt printers, cash drawers, scanners, stands and paper — thousands of items in stock, programmed with your processing keys before they ship. Or open a merchant account with us and most of it gets placed free.
Built for your counter
Pick your industry. The pricing and the hardware change with it.
Every industry has a different card mix, ticket size and set of headaches. Start where you actually work.
Local service
Someone who will drive to your counter.
Collierville, Germantown, Cordova, Memphis, Bartlett, Olive Branch, Southaven, Hernando, Horn Lake, Oxford, Tupelo, West Memphis. We install the terminal, train your staff and come back when something breaks.
Service area and hoursNationwide underwriting
Accounts boarded in all 50 states.
Because accounts are placed across several processors and acquiring banks rather than one, categories that aggregators decline outright get placed with banks that want the volume. Outside the region it all happens by phone, email and equipment that arrives programmed.
Check whether your industry qualifiesIn their words
What merchants say when the honeymoon is over.
Attributed by role and region rather than business name — most owners would rather their competitors not know who handles their processing.
He read our statement and showed us the tier buckets we were being dropped into. The new statement has interchange on it line by line. First time in six years I could actually check the math myself.
Two aggregators shut us down inside a month and held our deposits. This account has been open with the same bank since, and I knew about the reserve before I signed rather than after.
Terminal quit on a Saturday morning. Called the cell number, had a replacement running Monday. Nobody made me open a ticket.
Honest note: these are illustrative of the feedback we hear rather than verbatim quotes from named clients. They will be replaced with permissioned, attributable quotes as merchants sign off on them. We would rather say that than dress up a composite as a review.
Pre-approval
Pre-approval in minutes, not a week of phone tag.
Three fields is enough to tell you which bank fits your category and roughly what to expect. Low-risk approvals are frequently same day; high-risk categories run about five to ten business days.
- No credit-card details and no fee to apply
- You get the expected timeline and any reserve before you send documents
- Nothing binding until you sign the merchant agreement
Accounts placed through our processor and banking network
Straight answers
The questions every owner asks us.
Interchange, PCI fees, chargebacks, cancellation, funding times and whether cash discount is actually legal.
Interchange is the non-negotiable fee the card-issuing bank charges on every transaction — roughly 1.5% to 2.2% plus a per-item fee depending on the card and how it is run. Nobody can discount interchange. What an agent controls is the markup on top of it. We quote interchange-plus so you can see the markup as its own line instead of one blended number that hides it.
Free, no obligation
Send one statement. Find out in a day.
If we cannot beat what you have, we will tell you that in writing and you will still know exactly what you are paying. That is a fair trade for ten minutes.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.