If you accept credit or debit cards, there's a strong chance you're overpaying in hidden or unnecessary fees. Tekoa Payments RMS helps businesses review, optimize, and simplify their payment processing — with clarity and integrity.

$224B Paid by U.S. merchants in card processing fees in 2023

1.5–3.5% Typical fee taken from every card transaction

90% Of processing costs recoverable with the right program

The Problem

You're Probably Paying More Than You Should

Most Tennessee business owners accept credit card fees as a fixed cost of doing business — something to tolerate, not fix. But the reality is that most processing statements are loaded with markups, redundant fees, and rates that haven't been reviewed in years. A few hours of attention to your merchant account can translate into thousands of dollars back in your pocket every year.

Tekoa Payments RMS takes a different approach. We start by understanding how your business actually operates before recommending anything. No one-size-fits-all solutions. No pressure to switch just for the sake of switching. Just an honest look at what you're paying and a clear explanation of your options.

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Free Statement Review

We analyze your current processing statement line by line and show you exactly where your money is going.

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No Contracts Required

We earn your business every month — you're never locked in. If we're not delivering, you're free to walk away.

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Rates That Never Change

What we quote is what you pay — no surprise rate increases, no bait-and-switch six months down the road.

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Local, Relationship-Driven

Backed by Real Merchant Services' national processing power, delivered with local Tennessee service and accountability.

The Process

How It Works

Getting started is simple and takes about as long as a phone call. There's no obligation at any step — you look at the numbers and decide if any changes make sense.

We analyze your statement

Send us your most recent merchant processing statement. We review your rates, fees, and equipment — and identify exactly where you can save.

We present your options

We provide competitively priced fees, equipment options, and fee recovery programs tailored to how your business actually operates.

You decide — no pressure

You review the analysis and decide whether any changes make sense for your business. There's no hard sell and no obligation.

Ways to Reduce Your Card Fees

Not Sure Which Program Fits Your Business?

There are three proven strategies for recovering card processing costs. Each works differently and fits different types of businesses. We help you figure out which one — if any — makes sense for your specific situation.

Dual Pricing

Show two prices — one for cash, one for card. Customers choose. You keep more of every sale.

Best for: retail, restaurants, service businesses

Learn More →

Cash Discount

List your card price and automatically discount customers who pay with cash at checkout.

Best for: salons, contractors, medical offices

Learn More →

Surcharging

Add a small fee to credit card transactions at checkout and keep your posted prices as-is.

Best for: B2B, contractors, professional services

Learn More →

Free Tool

See Your Savings in Seconds

Enter your monthly card volume and current rate — get an instant estimate of what you could keep.

Try the Free Calculator →

Get Started

Request Your Free Savings Analysis

Fill out the form below and Carlos will reach out to schedule a no-pressure review of your current processing statement. Most businesses find out exactly what they're paying — and what they could save — within 24 hours.

Who You're Working With

Local Service, National Backing

When you work with Tekoa Payments RMS, you're working directly with a local Tennessee professional — not a call center.

Carlos Schrock

Account Executive · Real Merchant Services · Tennessee

My name is Carlos Schrock. I help local business owners optimize their payment processing by connecting them with the right equipment, competitive rates, and practical solutions that fit the way they do business. I start every conversation by listening — not pitching — because the right answer depends entirely on how your business operates.

📍 Tennessee, USA 🏦 Real Merchant Services

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