Payment processing centered on service. Rafter J Merchant Services still believes that " A Handshake Still Matters". Stephen F. Williams, the owner and founder of Rafter J Merchant Services grew up in West Texas and knows West Texas values. He is a Veteran of 26 1/2 years in the United States Navy and the Submarine Force and Retired as a Master Chief Submarine Sonar Technician Submarine Qualified. Mr. Williams encompasses the spirit of service, the vision and values, and the people that respect the importance of every single relationship behind every transaction processed. All of the Companies and Independent Sales Organizations he represents have one thing in common "Intergrity". Rafter J Merchant Services is based in San Angelo, Texas.