# Fair Merchant Solutions

> Boutique payment processing practice providing direct merchant accounts, interchange-plus pricing, and specialist human underwriting for founder-led businesses processing $1M to $100M+ in annual card volume.

Fair Merchant Solutions is the umbrella brand for a single payments practice led by Eric Douay, with Chris Anderson, CPA. Two brands operate beneath it, sharing the same sponsor banking partners, the same interchange-plus pricing model, the same Savings Pledge, and the same team:

- Fair Merchant Solutions serves non-travel higher-risk merchants: coaching, supplements, agencies, ecommerce, debt collection, clinics, and subscription businesses.
- Excellent Payment Services serves travel and tourism merchants: tour operators, travel agencies, hospitality, and future-delivery models.

Key facts: 19 years in payments, approximately $3 billion in processed client volume, nine sponsor banking partners in the USA with a separate set serving Canadian merchants, 99 per cent merchant application approval rate, under 1 per cent annual client attrition, and average client tenure of 6 to 18 years. The practice replaces the aggregator model, where accounts can be frozen or terminated algorithmically, with dedicated merchant accounts underwritten by humans.

There are no published rates and no public phone number or address. Every enquiry routes to an industry-matched introductory call booking.

## Pages

- [Home](https://fairmerchantsolutions.com/): Category positioning, proof points, industries served, and the two-brand umbrella architecture.
- [About](https://fairmerchantsolutions.com/about): Eric Douay and Chris Anderson, CPA, the practice history from ACCOR Hotels to $3 billion processed, and how the two brands relate.
- [Get Optimized](https://fairmerchantsolutions.com/optimize): The complimentary merchant account optimization process and a written 48-hour assessment of effective rate, hidden fees, and savings opportunity.
- [Success Stories](https://fairmerchantsolutions.com/success-stories): Named client testimonials from travel, hospitality, mastermind, and B2B merchants, plus an anonymized cautionary case study.
- [Speaking & Media](https://fairmerchantsolutions.com/speaking): Eric Douay's talks, awards including the Harvard Visionary Award 2015, West Point faculty work, podcast appearances, and board memberships.

## Solutions

- [Online & Ecommerce Payments](https://fairmerchantsolutions.com/solutions/online-payments): Direct merchant accounts for card-not-present businesses, multi-currency processing, and platform integrations.
- [Virtual Terminal](https://fairmerchantsolutions.com/solutions/virtual-terminal): Browser-based card acceptance for phone, mail order, deposit-on-future-delivery, and back-office transactions.
- [Invoicing & Recurring Billing](https://fairmerchantsolutions.com/solutions/invoicing): Electronic invoicing and subscription billing infrastructure for B2B operators.
- [Fraud Prevention & Risk Architecture](https://fairmerchantsolutions.com/solutions/fraud-prevention): PCI-compliant gateway security, tokenization, chargeback management, and bank-level human underwriting.

## Optional

- [Sitemap](https://fairmerchantsolutions.com/sitemap.xml): Machine-readable index of all public pages.