One person, accountable, with a real bank network behind him.

Why this business exists

Almost every owner I sit down with has the same story. Somebody came by, quoted a headline rate, put a terminal on the counter and disappeared. A year later the effective rate has crept up, there is a PCI fee on the statement nobody explained, and the phone number on the paperwork goes to a call center in another state.

That pattern is not a few bad actors. It is how a lot of this industry is built — margin that depends on the merchant never calculating their own effective rate. The fix is not complicated. Show the arithmetic, price on interchange-plus, name every fee, and answer the phone.

How I actually work

I read your statement myself and send back a written analysis with the math on the page. If your current deal is genuinely competitive, I tell you that and we are done — a bad switch costs you money and costs me a reference, so neither of us wants it.

If it makes sense to move, I handle the application, the underwriting back-and-forth, the terminal programming and the install. Then I check back at sixty days with your new statement to confirm the effective rate matches what I quoted. That last step is rare in this business and it is the one that matters most.

Local, and nationwide

I am in Collierville and I will drive to your counter in the Memphis metro, west Tennessee, north Mississippi and eastern Arkansas. Show up, program the terminal, train your staff, come back when something breaks.

The underwriting is nationwide. Because accounts are placed across multiple processors and acquiring banks, a business in any state can be boarded — including high-risk categories that domestic aggregators decline outright. The local part is service. The national part is where the account actually lives.

What I am, plainly

Terrab Solutions is a registered agent and ISO partner. I do not underwrite accounts and I am not a bank. I place accounts with processors and acquiring banks, and I am compensated by them on the accounts I place. That is worth knowing up front, because it explains both why the analysis is free and why placing you badly would be against my own interest — my income depends on the account staying open and healthy for years.

Approval, pricing and any reserve requirement are underwriting decisions, not mine. What I control is which bank sees your file, how well it is presented, and whether anyone picks up when you call.