BOOK TODAY
Andrew Stewart Logo
  • HOME
  • ABOUT
    • ANDREW STEWART
    • TESTIMONIALS
    • BLOG
  • SERVICES
    • PAYMENT SYSTEMS
    • SUPPORT
    • SAVINGS OPTIONS
  • CONTACT
MENU

Payment Processing Should Strengthen Your Business, Not Drain It

Real Merchant Services is a secure payment‑processing company that restructures how businesses run transactions so they become more efficient, more transparent, and significantly less expensive. We deliver the best‑fit processing system for your operation and reduce or eliminate the fees you’ve been paying just to accept payments.

WHAT'S MY MISSION?

Turning business growth into a force for good.

I work with businesses to reduce costs within their payment processing. Through a value‑driven and trust‑centered approach, I provide a secure, revenue‑strengthening system that integrates seamlessly into your operation.

I structure my system so businesses save thousands in avoidable processing costs, and channel a portion of the value generated toward community advancement, creating stability, opportunity, and meaningful support for the places where people live, grow, and build their futures.

Click to Learn More About Me

Testimonials

Real stories from businesses that strengthened operations, reduced costs, and built lasting stability.

Giving Back

Stronger Payments. Stronger Communities.

TURNING TRANSACTIONS INTO HOMES
AND SUCCESS FOR FUTURE GENERATIONS

Real Merchant Services has created a direct economic pipeline that turns everyday business payment processing into community advancement. We partner with Tiny Villages Inc. and Better Job Fit Inc. to connect stability, training, and employment in ways traditional processors do not.

Real Merchant Services is the engine that funds the system. When a business switches its payment processing to us, the savings created through our lean, transparent model generate the financial lift that fuels this partnership.
Tiny Villages Inc. provides safe, supportive housing for individuals rebuilding their lives. This stability is the foundation people need before they can focus on training or employment.
Better Job Fit Inc. delivers workforce development — skills training, job readiness, internships, job placement, and long‑term employment support. They turn stability into opportunity.

HOW THE MODEL CREATES IMPACT

Your Business Saves Money

Our processing model reduces or eliminates unnecessary fees, often resulting in thousands in annual savings. Those savings stay inside your business instead of disappearing into traditional processing costs.

Your Switch Generates Community Value

The efficiency created through your processing becomes the financial engine that fuels our partnership with Tiny Villages Inc. and Better Job Fit Inc.

This support drives measurable outcomes:

Individuals Housed and Stabilized
People Trained and Certified
Internships Launched
Job Placements Secured
Job Retention Supported

This isn’t a donation program; it’s a structural model where everyday business activity automatically strengthens the community.

Why This Partnership Matters

This is what “It Takes a Village” looks like in practice: Real Merchant Services creates the financial engine, Tiny Villages Inc. provides stability, and Better Job Fit Inc. builds workforce pathways. Together, we’re transforming Tiny Villages Inc. into a community workforce hub, aligning businesses, nonprofits, and local partners to remove barriers, accelerate readiness, and document real progress for people moving toward independence.

Click to Join Us & Strengthen Communities
Ashley Jetta Garcia
Ashley Jetta Garcia
Founder + Executive Director Tiny Villages
Jan Barlow
Jan Barlow
Founder of Better Job Fit

Jan Barlow, Founder of Better Job Fit Inc., on why she partnered with Real Merchant Services

Your Success, Social Impact!

Impact Image

Annual Savings & Donation Overview

Your processing volume creates measurable financial and community impact.

$5M Annual Volume

$125,000–$175,000 Estimated Savings

$14,700 Annual Donation

$10M Annual Volume

$250,000–$350,000 Estimated Savings

$29,400 Annual Donation

$50M Annual Volume

$1,250,000–$1,750,000 Estimated Savings

$147,000 Annual Donation

$100M Annual Volume

$2,500,000–$3,500,000 Estimated Savings

$294,000 Annual Donation

Savings and donation estimates based on average processing volume.

Savings & Impact Dashboard

Enter your annual processing volume to see your savings, donation impact, and long‑term projections.

Your Estimated Savings & Impact

Annual Savings Range

3‑Year Savings Projection

5‑Year Savings Projection

Estimated Annual Donation

3‑Year Donation Impact

5‑Year Donation Impact

Download Full Financial Impact Report

Trust isn’t disappearing. It’s becoming harder to earn and even harder to keep.

As businesses scale, the real threat isn’t losing attention. It’s losing the human clarity, the lived values, and the grounded purpose that made people believe in the first place.

My work is the discipline of protecting that center, the part of a business that feels real, relatable, and worth choosing. I translate it into the brand story, the customer experience, the partnerships, and the internal culture so growth never costs the soul of the business.

Because the strongest businesses don’t just operate.

They create confidence, strengthen communities, and make people feel connected to something that matters.

ABOUT ANDREW

Frequently Asked Questions

We begin by analyzing your payment processing statements in detail to understand your card mix, transaction methods, and interchange categories. This allows us to identify where you're overpaying and restructure your pricing so your rates reflect your actual business activity.

Your Three Options for Savings

Option 1: Lower Processing Rates Across All Cards
We restructure your pricing to reduce credit, debit, and processor markups while removing hidden fees.

Option 2: Surcharging (Credit Cards Only)
Credit card fees are offset while debit card rates are reduced, creating a dual layer of savings.

Option 3: Cash Discounting / Dual Pricing
You offer a discount for cash payments while advertising the card price. This shifts processing costs away from your business while staying compliant.

We handle the entire transition for you — setup, paperwork, equipment, onboarding, and compliance — so you don’t have to change how you run your business.

The Process

1. Review your current setup
We analyze your statements to understand your card mix, transaction methods, and fee structure.

2. Build your customized pricing plan
You choose from lower rates, surcharging, or dual pricing.

3. Full setup and onboarding
We configure terminals, POS systems, gateways, signage, and compliance.

4. Team training
We train your staff and provide ongoing refreshers anytime you need them.

5. Ongoing monitoring
We ensure your rates stay correct, compliant, and optimized.

Our support is built around fast response times, dedicated U.S.-based specialists, and proactive account monitoring.

  • Dedicated U.S.-based support
  • Fast response times
  • Full equipment & software support
  • Ongoing account monitoring
  • Clear guidance for your team
  • Direct access to real people

You get a partner — not just a processor.

Yes — we provide multiple layers of protection including 3D Secure, advanced fraud filters, and a dedicated chargeback support team.

3D Secure (3DS)

We partner with PAAY.com to authenticate cardholders and reduce unauthorized transactions.

Advanced Fraud Filters

We configure filters for velocity, IP, geography, AVS, CVV, and duplicate detection.

Chargeback Support Team

We help you respond correctly, gather documentation, and improve your chances of winning disputes.

You get a complete chargeback‑protection system.

Real Merchant Services

Stronger Payments. Stronger Communities.

Connect

  • LinkedIn
  • Instagram
  • Facebook

Contact

  • Email
  • Schedule a Call

© 2026 Real Merchant Services — Andrew Stewart. All rights reserved.

Crafted by PhotoBiz
Andrew Stewart Logo
CLOSE
  • HOME
  • ABOUT
    • ANDREW STEWART
    • TESTIMONIALS
    • BLOG
  • SERVICES
    • PAYMENT SYSTEMS
    • SUPPORT
    • SAVINGS OPTIONS
  • CONTACT
BOOK TODAY