Hernando, MS
DeSoto County's county seat, served in person by an agency that actually makes the drive.
Interchange-plus at 0.05% over cost, free terminal or POS, month-to-month terms. About 45 minutes from our Collierville base, out I-269 and down I-55.
- 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 Hernando
Hernando's courthouse square keeps a genuinely independent retail and restaurant core, surrounded by newer development around the I-55 exits. Square businesses tend to be small, long-established and, in our experience, on the oldest and worst processing agreements in the county — often a tiered plan signed years ago with a rate that has quietly drifted upward through 'annual adjustments' nobody explained.
That drift is the reason we put the words 'never changes without notice' on our pricing page and mean them. A markup that moves after you sign is the single most common complaint in this industry, and it is entirely avoidable: interchange-plus separates the wholesale cost, which genuinely does change when the card brands update their schedules, from our markup, which does not.
Professional offices around the courthouse — legal, insurance, title and accounting — run keyed and card-not-present payments almost exclusively. That volume prices very differently from a retail swipe, and it is worth setting up correctly rather than accepting whatever bucket a tiered plan drops it into.
Where we work in Hernando
Courthouse Square — Long-established independent retail, restaurants and specialty shops.
I-55 exits (Commerce & Church) — Newer retail, fuel and quick-service serving highway and commuter traffic.
Highway 51 — Auto services, light commercial and neighbourhood retail.
We also cover Nesbit, Lewisburg and Coldwater on the same terms. ZIP codes served here include 38632.
Run your own Hernando 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$105/ month
$1,261 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.