Millington, TN
Millington trade moves with the base. Month-to-month means you are never locked in through a slow season.
Interchange-plus at 0.05% over cost, free terminal or POS, and no contract to trap you. About 50 minutes from our Collierville base — the far corner of our in-person range.
- 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 Millington
Naval Support Activity Mid-South anchors the local economy, and businesses along Navy Road feel it directly: volume rises and falls with personnel cycles, training rotations and pay schedules. A three-year processing contract with an early-termination fee is a bad fit for a business whose traffic is set by somebody else's calendar. Ours is month-to-month, so a slow quarter is just a slow quarter.
Barber shops, restaurants, auto services and small retail here run heavily on debit — a young, salaried customer base uses it more than credit. Regulated debit interchange is the cheapest category on the schedule, and passing it through at cost rather than under a blended percentage is where a Millington merchant sees the clearest monthly difference.
Millington is one of our longest drives at roughly 50 minutes from Collierville, and we would rather tell you that up front than imply we are around the corner. Installs and training still happen in person; routine support happens on the phone, 24 hours a day.
Where we work in Millington
Navy Road — Restaurants, barber shops and service retail whose traffic tracks base activity.
Highway 51 / Veterans Parkway — Fuel, c-stores and auto services serving commuter and local traffic.
Downtown Millington — Small independent retail and professional offices with long-standing local trade.
We also cover Atoka, Munford and Drummonds on the same terms. ZIP codes served here include 38053.
Run your own Millington 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$120/ month
$1,436 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.