Meet Jacob

Jacob Underwood was born and raised in the mountains of WNC. He has always had a passion for small businesses and his community. Growing up surrounded by small businesses within his family and friends, he found his entrepreneurial spirit and passion. After graduating from Western Carolina University with dual degrees in Entrepreneurship and Marketing, Jacob worked for an established software and payments technology company where he quickly learned the ins and outs of the payments world and financial technology. In July of 2022, he founded Modern Merchant Solutions with a vision to help small businesses navigate the ever-changing world of payments and technology by delivering the tools they need to take their business into the modern age of commerce. All while doing so at the local level and building personal relationships with his clients.


Fabulous Finds and Collectibles

- Brenda Allen


I was about to stop taking debit & credit cards all together, then I met Jacob the owner of MMS. He showed me that not all merchant services companies where out to FEE me to Death. Since moving to Modern Merchant Solutions, I have saved no less than $250.00 per month. That for a small business such as ours is a Blessing. I highly recommend Modern Merchant Solutions and Jacob any time!




- Randy Prause


As the owner of Modern Merchant Solutions, Jacob Underwood is a highly knowledgeable professional with exceptional technical expertise. He consistently demonstrates his commitment to follow through on his promises. He has successfully helped us reduce our expenses through his credit card processing services. Jacob has been instrumental in bringing substantial savings to our restaurant, which was burdened with high fees in the past. We wholeheartedly endorse Jacob for all your business needs and strongly recommend his services. - Randy Prause, Cafe Italiano Restaurant & Pizzeria


The Hungry Bear Cafe

- Bill Parker


Modern Merchant Solutions has saved us tremendously each month in credit card processing fees. Jacob has helped our Restaurant in all sorts of ways, from setting up our new Point of Sale System to really following through with local tech support. If you're looking for a new point of sale system but don't want to deal with a 1-800 number, we highly recommend Jacob and Modern Merchant Solutions! Great Company!

Proud Member of The Asheville Area chamber of Commerce

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