Memphis, TN
Credit card processing for Memphis businesses, run by someone in the Memphis metro.
Interchange-plus pricing, free terminal or POS, month-to-month, and a phone number that reaches a person at 2am. We are based in Collierville, about 35 minutes from downtown.
- 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 Memphis
Memphis is a logistics town, and it shows up in the payment mix. A shop on Summer Avenue or Lamar takes a far higher share of cash and debit than the national averages that processors use when they quote you, which means a blended rate quoted off a Visa-heavy assumption quietly overcharges you every month. Debit interchange is regulated and cheap. On interchange-plus you keep that difference; on a blended or tiered rate, your processor does.
The other Memphis-specific problem is downgrades. Restaurants around Beale and Cooper-Young that key in phone orders, and B2B suppliers out by Distriplex Farms that take commercial cards, get hit with non-qualified surcharges that a tiered statement hides in a single line. We read the statement line by line and show you which transactions downgraded and why before you sign anything.
We are not a call centre in another state with a Memphis landing page. Collierville sits at the east end of the metro, roughly 35 minutes down Bill Morris Parkway to downtown and closer than that to East Memphis and the airport industrial belt, so installs, staff training and the day a terminal dies are handled in person.
Where we work in Memphis
Poplar Avenue — Boutique retail, salons and professional offices with higher average tickets — where card-not-present and keyed transactions cost the most.
Summer Avenue & Lamar — Independent c-stores, tire shops and taquerias running high transaction counts on small tickets, where a per-item fee matters more than the percentage.
Downtown & Beale Street — Restaurants and bars with tip adjustment, late-night batches and seasonal swings around Grizzlies and festival weekends.
Airport / Distriplex Farms — Wholesale and B2B suppliers taking commercial and fleet cards that downgrade on the wrong plan.
We also cover Whitehaven, Raleigh, Hickory Hill, Berclair, Frayser and East Memphis on the same terms. ZIP codes served here include 38103, 38104, 38111, 38114, 38116, 38117, 38118, 38122, 38127, 38128, 38133, 38134, 38141.
The Memphis businesses we work with most
Run your own Memphis 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-$2/ month
-$19 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.