Horn Lake, MS
Horn Lake runs on small tickets and thin margins. Five cents per item is the number that matters.
Interchange-plus at 0.05% over cost with a 5¢ per-item fee, free terminal or POS, no contract. Roughly 45 minutes from our Collierville base — booked ahead, done in person.
- 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 Horn Lake
Horn Lake's independent business base — c-stores, tire and auto shops, quick-service restaurants along Goodman Road west and Church Road — is exactly the profile where per-transaction economics decide profitability. On a $6 sale, a five-cent item fee is under one percent; on the same sale a processor charging a 25¢ item fee is taking more than four percent before the percentage markup even applies.
That is why we quote the item fee as loudly as the percentage. Most agents lead with a low rate and bury the per-item, which works because merchants compare percentages. If your average ticket is under about $15, the item fee is the more important half of the quote and you should ask every agent for it in writing.
Convenience and fuel operators here also deal with fleet and fuel cards that price separately from Visa and Mastercard. Those belong on their own line, not blended into an average that makes the whole statement unreadable.
Where we work in Horn Lake
Goodman Road west — C-stores, fuel, tire shops and quick-service restaurants with high transaction counts.
Church Road — Neighbourhood retail and services running heavy debit and small tickets.
Highway 51 — Auto services and light commercial with a wide ticket spread.
We also cover Walls, Lake Cormorant and Southaven on the same terms. ZIP codes served here include 38637.
Run your own Horn Lake 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$99/ month
$1,191 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.