Merchant Services · East Texas

Payment Processing That Works For Your Business — Not Against It

Merchant services is just the system that lets your business accept credit and debit cards. Simple in theory. In practice, most processors make it complicated enough that you stop asking questions — and that’s exactly how they make their money. SureFunds does it differently.

Book Your Free Agency Audit™

Or call or text Ty: 903-750-0422

Serving Tyler, TX and all of East Texas · No contracts · Local support

No Contracts

Month-to-month, always

20+ POS Options

Right fit for your business

Local Support

Tyler, TX — not a call center

Transparent Pricing

No surprises on your statement

What’s Included

What Merchant Services Actually Means

When you sign up for merchant services, you’re getting the full system that moves money from your customer’s card to your bank account. Here’s what that covers.

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Credit & Debit Card Processing

Accept Visa, Mastercard, American Express, and Discover — in person, online, or over the phone. We make sure your setup handles all tender types without surprise downgrades.

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Interchange-Plus Pricing

The most transparent pricing model available. You see exactly what the card networks charge, plus a small fixed markup from us. No bundled rates, no hiding room for extra fees.

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Point of Sale Systems

We carry 20+ hardware and software options — countertop terminals, mobile readers, full POS systems with inventory and reporting. Starting at $0 for qualified businesses.

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Mobile & Contactless Payments

Tap-to-pay, Apple Pay, Google Pay, and card readers that work from a job site, a market booth, or a table-side at your restaurant.

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Recurring Billing

Set up automatic billing for memberships, service contracts, or repeat clients. Reduces manual work and keeps cash flow predictable.

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Chargeback & Dispute Support

When a customer disputes a charge, we help you respond correctly. You won’t be navigating that process alone or trying to reach a national 1-800 number.

The Problem

The Fees Most Merchants Don’t Know They’re Paying

Processing statements are designed to be hard to read. Here are the most common ways merchants get overcharged without knowing it.

Non-Qualified Surcharges

When a rewards card or corporate card gets run as a “non-qualified” transaction, processors charge a steep surcharge on top of your base rate. These can add up to hundreds of dollars per month.

Batch Fees & Monthly Minimums

Small per-transaction fees and minimum monthly charges that appear buried in your statement. Each one is small. Together they add up to a significant monthly cost that never gets questioned.

Equipment Leases

Many merchants are locked into 48-month equipment leases for terminals that cost $300 to buy outright. At $50–$80 per month, that’s $3,800 for a terminal worth a fraction of that.

PCI Non-Compliance Fees

If you haven’t completed your annual PCI compliance questionnaire, processors often charge a monthly non-compliance fee — sometimes without ever telling you what it’s for or how to fix it.

Annual & Regulatory Fees

Annual account fees, IRS reporting fees, regulatory compliance fees — most have no direct cost to the processor. They’re pure margin dressed up in official-sounding language.

Tiered “Bundled” Pricing

Tiered pricing bundles interchange costs and processor markup into one opaque rate. You can’t see how much you’re paying for each component — which is exactly why processors prefer it.

How We Help

The SureFunds Approach

We don’t show up with a rate sheet and ask you to sign something. We start with a free Agency Audit™ — a complete look at your processing fees, equipment, POS systems, workflows, and business goals.

Review Your Current Setup

We look at your processing statements, your equipment, and your pricing structure. No assumptions, just your actual numbers.

Give You a Straight Answer

We tell you what we find — what’s fair, what’s inflated, and what a better solution would look like in real dollar terms.

Let You Decide

No pressure, no obligation. If you want to move forward with SureFunds, we’ll set you up right. If not, you leave with better information than you came in with.

“We don’t start with equipment. We don’t start with rates. We don’t start with a sales pitch. We start with understanding your business.”

— Ty Browning, Founder, SureFunds Payment Solutions

What to Expect

Three Possible Outcomes

Every Agency Audit™ ends one of three ways. All three are useful. None of them cost you anything.

We Identify Opportunities to Reduce Costs

We find hidden fees, inflated rates, or pricing structures that don’t fit your business. You see exactly what you’re overpaying and what a better option would cost — in plain numbers, not projections.

We Confirm You’re Already Receiving Competitive Pricing

Your current pricing is competitive and your setup makes sense for your volume. We confirm that, shake your hand, and send you back to work. Peace of mind has value too.

We Uncover Technology or Workflow Improvements

Your rates may be fine, but your equipment, workflows, or processes could be working harder for you — faster checkout, better reporting, fewer manual steps. We flag those opportunities and show you what’s available.

Who We Serve

Built for East Texas Business Owners

Every industry has its own payment processing quirks. We know them, and we build solutions around how your business actually runs.

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Restaurants

High card volume, tip adjustments, and table-side payment options. We build around your flow.

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Retail Stores

Fast checkout, inventory integration, and mixed tender support for seasonal businesses.

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Auto Repair

Large average tickets mean even small rate improvements add up fast. We find them.

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Veterinary Clinics

Recurring client relationships deserve transparent processing — not a processor hiding fees in the background.

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Dentists

High-ticket transactions and practice management software that may be locking you into the wrong processor.

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Contractors

Mobile payments in the field and variable ticket sizes. We make sure you’re not overpaying on every keyed-in transaction.

FAQ

Common Questions

What’s the difference between merchant services and a payment processor?

A payment processor is one component inside merchant services — they handle the actual movement of money. Merchant services is the full package: the processor, your equipment, your account, and the support behind it. SureFunds manages all of it so you don’t have to deal with multiple vendors.

What is interchange-plus pricing and why does it matter?

Interchange is the base cost set by Visa and Mastercard — it’s the same for every processor. Interchange-plus pricing shows you that cost separately from our markup, so you always know exactly what you’re paying and why. Tiered and flat-rate pricing hide these components together, making it impossible to see where your money actually goes.

Do I need new equipment to switch to SureFunds?

Not necessarily. In many cases your existing terminals can be reprogrammed. If your equipment is outdated or under a costly lease, we’ll tell you honestly and show you what a better setup would cost. We carry 20+ options starting at $0 for qualified businesses.

Is there a long-term contract?

No. SureFunds operates month-to-month. We believe if our service is worth keeping, you’ll stay — not because you’re locked in. If something changes for your business, you’re free to leave without penalty.

How do I get started?

Start with a free Agency Audit™. Bring your last two or three processing statements and we’ll give you a complete picture of what you’re paying and whether there’s a better option. No obligation, no pitch, no pressure.

Do you serve businesses outside Tyler, TX?

We’re based in Tyler and serve all of East Texas. For businesses a little further out, we also offer phone and video consultations. Reach out and we’ll figure out what works.

The Agency Principle

We believe informed business owners make better decisions.

That’s why every Agency Audit™ is designed to provide clarity first, recommendations second, and solutions third.

Because better decisions create agency.

Get Started Today

Start With the Audit. It’s Free.

Before we talk about switching anything, we want to understand what you’ve got. The Agency Audit™ takes about 15 minutes, costs nothing, and comes with zero obligation. You’ll know exactly where you stand when it’s done.