Solutions
Every way a small business gets paid, and every place the cost hides.
Twelve things we set up. Some are how you take money, some are how you stop overpaying for it, and some are how you keep the account open. Pick the one that matches the problem you actually have.
01
Accept payments
The rails themselves — counter, online, phone, mobile, and the gateway that ties them together.
In-person payments
EMV chip and contactless tap on every device we place
Read the pageE-commerce payments
Your own merchant ID and underwriting, not a shared aggregator pool
Read the pagePayment gateway
Virtual terminal for phone, mail and keyed orders
Read the pageVirtual terminal
No hardware, no install — works on any computer or tablet
Read the pageMobile payments
Chip, tap and mobile wallet from a paired reader
Read the page02
Optimize cost
Where the money actually is: interchange data, the right rail for the ticket size, and fee structure.
ACH & e-check
Flat per-item pricing instead of a percentage of the ticket
Read the pageB2B payments
Level 2 and Level 3 data passed automatically
Read the pageInternational & offshore
Offshore acquiring for categories US banks will not write
Read the pageCash discount & surcharging
Cash discount: one posted card price, a discount for cash
Read the page03
Protect the account
Keeping the account open and funded — disputes, compliance and deposit timing.
Where to start
If you only do one thing, do this.
Send one recent processing statement. Almost every question on these pages — whether you are on interchange-plus, whether commercial cards are downgrading, whether you are paying a PCI fee, what your batch cutoff is doing to your cash flow — is answered by reading it.
You get the analysis in writing whether or not you switch, and there is nothing to sign to get it. If your current setup is genuinely competitive, that is what the analysis will say. That has happened, and it is a better outcome than a bad switch.
Accounts placed through our processor and banking network
Free statement analysis
Tell us the problem, not the product.
Call (901) 247-6621 and describe what is annoying you about payments right now. We will tell you which of these actually fixes it.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.