Bartlett, TN
Bartlett runs on repeat local trade. Your rate should not punish debit.
Interchange-plus at 0.05% over cost, free equipment, month-to-month. About 35 minutes from our Collierville base, and we still drive it.
- No contracts or cancellation fees
- Free terminal or POS placement
- 24/7 human support
- 0.05% + 5¢ over interchange
What processing actually looks like in Bartlett
Bartlett's business base is heavily neighbourhood-serving: family restaurants, auto repair, tire and lube, hardware, salons along Stage Road and Germantown Road North. Neighbourhood trade means a high share of regulated debit, which is the cheapest interchange there is — and the category a blended rate overcharges most aggressively, because you pay the same blended percentage on a cheap debit tap as on a premium rewards card.
Auto and repair shops here have a second issue: ticket sizes vary from a $28 oil change to a $2,400 transmission job. Percentage-heavy pricing punishes the big tickets and per-item-heavy pricing punishes the small ones. Seeing your real distribution on a statement is the only way to know which side you are losing on, which is why the statement review comes before any quote.
Bartlett is about 35 minutes from us — up TN-385 and across the north side of the county. We say the number plainly rather than implying we are around the corner, and we still do installs and training in person instead of quietly routing you to a call centre after you sign.
Where we work in Bartlett
Stage Road — Family restaurants, service retail and franchise quick-service with steady weekday volume.
Germantown Road North — Auto repair, tire and lube shops with a wide spread of ticket sizes.
Altruria & Bartlett Boulevard — Neighbourhood retail, salons and hardware running high debit share.
We also cover Lakeland, Arlington and Cordova on the same terms. ZIP codes served here include 38133, 38134, 38135.
Run your own Bartlett numbers
Our markup is 0.05% plus 5¢ over interchange with a $39.99 monthly fee, disclosed and never changed without notice. Put your real volume in and see what that means.
Savings estimator
What are you actually paying to accept cards?
Four inputs. Transparent interchange-plus math, shown line by line. No email required to see the number.
No statement handy? We assume 3.05% — the blended rate we see most often on flat-rate and bundled accounts.
Estimated savings
24% lower$37/ month
$447 a year
- What you pay today
- $1,373/mo
- Estimated Terrab cost(2.31% effective)
- $1,041/mo
- With cash discount (0.06% effective)
- $1,348/mo saved
Interchange-plus model: interchange 1.80% + $0.10 per item, plus a 0.05% + $0.05 markup and a $39.99 monthly service fee, disclosed up front and never changed without notice. This is an estimate, not a quote — your real number depends on your card mix and comes from your statement.