The team behind Proper Solutions

The payment processing industry has a trust problem , and it isn’t accidental. The standard playbook is to quote a low headline rate, bury the real cost in monthly fees, downgrade categories, batch fees, and PCI “non‑compliance” surcharges, then make customers wait through a phone tree every time something goes wrong.

Proper Solutions exists because that model is broken for the merchants we serve. A boutique doing $40,000 a month doesn’t have a CFO reading the statement line by line. A restaurant in the middle of a Friday rush can’t spend forty minutes on hold. A nonprofit shouldn’t lose 3.5% of every donation because nobody explained Interchange‑Plus to them.

So we structured the company differently. We quote in Interchange‑Plus or Zero‑Fee depending on what actually fits the business. We publish our markup. We do the hardware install ourselves, or, for non‑Florida merchants, we configure terminals before they ship and walk staff through it on a video call. And the same person who onboards your account is the person who picks up when you call six months later.

It’s slower to grow this way. We don’t pay W‑2 reps to cold‑call restaurant owners. We don’t buy merchant leads from aggregators. Most of our growth is referral, a salon owner tells her landlord, a restaurant tells the bar next door, an accountant tells three of their clients. That’s the kind of growth we want.