- Home /
- About us
A Boutique Approach to Merchant Services
Business owners deserve a payments partner who is actually on their side. TWC Payments helps businesses simplify payment processing with transparent pricing, reliable equipment, and real human support.
Payments, Without the Runaround
The merchant services world can be full of confusing rates, locked-in contracts, unreliable equipment, and support lines that lead nowhere. TWC Payments was built to give business owners a better option.
We’re a boutique firm, and we mean it. That means fewer clients, deeper relationships, and a team that takes the time to understand how your business works before recommending a single terminal, POS system, or rate structure.
Whether you run a busy restaurant, a retail shop, a medical office, a contracting business, a salon, or an online store, your payment setup should fit the way you actually operate. At TWC Payments, we help you simplify the process, reduce unnecessary costs, and keep more of what you earn.
About TWC
Transparent pricing, lower fees, and personalized support for businesses that want better payment processing.
Built for Business Owners, Not Big Processors
Big payment processors take big bites out of your profits. We don’t.
At TWC Payments, we believe in transparent, worry-free commerce for businesses like yours. We’re not a faceless tech giant or a call center that treats you like an account number. We’re a hands-on team that helps business owners make sense of payment processing, choose the right tools, and feel confident about how they get paid.
- Transparent pricing
- Honest guidance
- Reliable equipment
- Real human support
If you’re looking for a Square or Stripe alternative, switching from another processor, or setting up payments for the first time, we’ll walk you through the options personally. From POS systems and payment terminals to e-commerce, invoicing, mobile payments, ACH, and hardware, we bring everything under one roof.
Why Businesses Come to Us
Many of our clients come to us because they’re frustrated with payment processing that feels more complicated, expensive, or unreliable than it should be.
They’re often dealing with:
- High fees that eat into profit margins
- Confusing rates and unclear statements
- Security, fraud, and chargeback concerns
- Unreliable systems, poor equipment, or funds being held
- Providers that are hard to reach when something goes wrong
- Long contracts or expensive early termination fees
We help replace that stress with a setup that is clear, dependable, and built around your business.
What Makes TWC Different
Local and Personal
You work with real people who know your business, not a call center that starts from zero every time you need help.
The Right Fit
We recommend what your business actually needs, not the biggest package we can sell.
One Home for Everything
Processing, POS systems, online payments, dual pricing, ACH, mobile payments, and hardware all managed under one roof.
Transparent Pricing
We help you understand what you’re paying, where your costs are coming from, and how a better setup could help you save.
No contracts. No ETFs. Ever.
We believe good service should be the reason you stay, not a contract that makes it hard to leave.
Support That Stays With You
From onboarding to everyday questions, we stay available after setup so you always know who to call when you need help.
Local Roots, National Reach
You can reach a real person who understands the businesses around you. And as your business grows, your payments partner can keep up.
From local storefronts to businesses selling nationwide, TWC Payments helps owners build payment systems that are simple, secure, and ready for the way they work.
Real People
Support from a team you can actually reach.
Built To Grow
From local storefronts to businesses selling nationwide.
One Partner
Your payment setup can keep up as your business changes.
Meet the Team
Transparent pricing, lower fees, and personalized support for businesses that want better payment processing.
Derek Chard
Payment Processing is not a job for me, it is my career! Working alongside fellow business owners has been a passion of mine my entire life. That includes working within multiple small family businesses throughout my childhood. After completing my college degree, I pursued a very short career as an NFL Long-snapper as well as in the financial services sector.
My passion for competition and finance definitely guided me to where I am today. I started my first business at the age of 23 and surrounded myself with mentors who would teach me the value of relationships, communication, leadership, and the value of a great customer experience. Yet, most of my lessons were learned from the experience. Over the next 12 years I worked with other business owners as clients, while also navigating the challenges of business ownership myself. What I learned was that business owners need service providers they can trust and count on, so that their energy and passion for what they do is not bogged down worrying about back end operations.
Bryce Ros
Interacting with businesses of all types over a decade of sales experience, I have a robust background in helping people find solutions to their needs.
I was a scholarship athlete at the University of Georgia, where I majored in journalism while competing in football from 2008 to 2010 and completed a B.A. in History at Kennesaw State University. During and after my time at KSU, I refined my skills in inside and outside sales, distribution, and inventory management. I also proudly served as the Head Writer for The 5 Stripes Maven, covering Atlanta United FC and other significant MLS and global soccer developments.
Prior to this, I held the role of Assistant Vice President at ExchangeRight Real Estate, a leading provider of DST 1031 solutions. For the past four years, I have been dedicated to my role as a Payment Specialist at TWC Payments aiming to reduce monthly credit card fees for businesses. Within my portfolio, I manage relationships with prominent companies such as major tractor manufacturers, as well as smaller businesses and e- commerce enterprises. Committed to delivering exceptional results and fostering meaningful connections, I welcome opportunities for collaboration and connection. Feel free to reach out to explore potential collaborations.