Processing
Credit card processing
Competitive, clearly explained pricing through CardConnect, with a real person to call when something looks off.
Card processingMerchant services for businesses nationwide
Card processing you can understand, from people who pick up the phone.
TM Services Inc. is an independent agent for CardConnect, Clover and Creslane. We set up and support credit card processing and point-of-sale systems for more than 300 merchants. Based in Rochester, Michigan, we serve businesses across the country, and you always deal with us directly.
Rather talk now? Call Todd at 248.480.3545.
- 300+ merchants served
- Independent sales agent for CardConnect
- Contracted Clover reseller
- Authorized Creslane POS agent
Who is TM Services Inc.?
TM Services Inc. is a merchant services company founded by Todd McKay and based in Rochester, Michigan. As an independent agent for CardConnect, Clover and Creslane, we set up and support credit and debit card processing and point-of-sale systems at fair, clearly explained prices. We serve more than 300 merchants across the country, including restaurants, retail stores, automotive dealerships, auto repair shops and oil change facilities, grocery and specialty food markets, service businesses and multi-location groups.
What we check on your statement
A free review takes your current processing statement line by line.
- InterchangeSet by the card brands, the same for everyone
- Processor markupWhere most of the savings usually are
- Monthly & PCI feesRecurring charges on top of rates
- Equipment costsLeases and rentals you may not need
Your real effective rateexplained in plain English
What we do
Everything you need to take payments
One local team for processing, the POS system at your counter, and the support after it's installed.
POS
Clover POS systems
Countertop, handheld and mobile Clover devices, set up for how your business actually runs.
Clover POSGrocery POS
Creslane POS
A point-of-sale system built for independent grocers and specialty markets, now sold as FlexRetail.
Creslane POSPrograms
Surcharging & cash discount
Offset what card fees cost you, set up with the right signage and receipts.
SurchargingHow it works
A free review, then an honest answer
Your current setup
We start by reviewing your existing processor, your fees, and any problems you're running into.
Clarity on your costs
We break down your statement and show you where pricing could be clearer and more competitive.
Hands-on partnership
If we're a fit, we handle the setup and stay your point of contact for support after you switch.
Meet Todd
"I built TM Services Inc. around one belief: business owners deserve a partner who's honest, responsive, and genuinely invested in their growth. No call centers, no long hold times, just real support from someone who actually picks up the phone."
Our team
The people you'll actually talk to
Meet the TM Services team in Rochester, Michigan.
Who we work with
Built around the way your business takes payments
New
Healthcare & practice pay
Clover PracticePay: HIPAA-compliant payments for dental, primary care, veterinary and other practices.
Clover PracticePayRestaurants & delivery
Tableside and counter payments, tips, online ordering and delivery.
Retail & online shopping
In-store checkout, inventory and online sales on one system.
Grocery & specialty markets
Creslane POS for independent grocers, with the processing to match.
Automotive
Payments at the counter or at the vehicle for auto service businesses.
- Auto repair shops
- Repair shops
- Oil change facilities
Services & scheduling
Appointments, deposits and card-on-file for service businesses.
Invoicing & payments
Send invoices and take payments online or over the phone.
Multi-location groups
Consistent setup and support across many locations.
Partners
The companies behind your setup
We work with established payment and technology partners, so you get one local contact for all of it.
CardConnectPayment processing
CloverPOS hardware and software
Creslane / FlexRetailGrocery and specialty retail POS
NeutroCorpIT management and managed services. Technology partner
EndToEnd AppsSoftware development, including Slate booking software for studios, gyms, medical offices and golf simulators
Questions
Common questions
Where does TM Services Inc. work?
We're based in Rochester, Michigan, and work with merchants across the country. Statement reviews can be done by phone or video call, so it doesn't matter where your business is.
What does a statement review cost?
Nothing. The statement review is free and there's no obligation. You'll see what you pay today, line by line, and what we could offer.
How much does card processing cost with TM Services?
It depends on your business: the cards your customers use, your monthly volume and your average sale. We don't publish a one-size rate. We quote from your actual statement so the number is real.
Do you sell and support Clover?
Yes. TM Services Inc. is a contracted Clover reseller. We help you choose the right Clover devices, set them up, and support them afterward.
Is TM Services Inc. related to other companies called "TM Services" or "T&M Services"?
No. Several unrelated businesses have similar names. TM Services Inc. is the merchant services company founded by Todd McKay and based at 429 S. Main Street in Rochester, Michigan. To be sure you've reached us, look for our name and call Todd at 248.480.3545.
Free, no obligation