Optimize Your Processing. Select the Right Equipment. Increase Your Net Margin.
We review your current rates, eliminate unnecessary fees, and match your business with equipment that works for you, not against you.
- No Contracts Required
- Secure & PCI-compliant
- Our Rates never change
- Use existing equipment when compatible
- Local, relationship-driven service
Tekoa Payments RMS - Reliable Merchant Solutions
See your number in seconds. Enter your monthly card volume and find out exactly what you're paying in fees — and what you could keep. Try the free calculator →
Ways to Reduce Your Card Fees
Not sure which program fits your business?
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 →Not sure which one is right for you? Request a free savings analysis and we'll walk you through all three.
How it works
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Our Team analyzes your merchant statement
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We provide competitively priced fees, equipment and options.
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You decide whether any changes make sense, no pressure.
Carlos Schrock
Account Executive with real merchant services · Tennessee
My name is Carlos Schrock; I am an Account Executive with Real Merchant Services in Tennessee. 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.