West Memphis, AR
At the I-40 and I-55 junction, fuel and fleet cards decide your effective rate.
Interchange-plus at 0.05% over cost, fleet and fuel card acceptance priced on its own line, free equipment, no contract. About 50 minutes from our Collierville base, across the metro and over the bridge.
- 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 West Memphis
West Memphis sits where I-40 meets I-55, and that geography defines the payment mix: truck stops, travel centres, fuel and the c-stores and restaurants that serve highway traffic. Fleet and fuel cards — Voyager, WEX, Comdata and the rest — do not price like Visa and Mastercard, and a blended statement that averages them together makes it impossible to tell whether you are being treated fairly on either.
We break those out line by line. For a fuel operator this is usually the single largest finding in a statement review, because fleet volume can be a third or more of transactions and it is the part processors most often bury.
EMV liability at the dispenser is the other West Memphis issue worth naming. Non-EMV outdoor pumps carry chargeback exposure that lands on you, not the card brand. We map what actually needs upgrading and what can wait, instead of using the deadline as a lever to sell you a forklift replacement.
Where we work in West Memphis
I-40 / I-55 junction — Travel centres, truck stops and fuel with heavy fleet and fuel card volume.
Service Road & Broadway — C-stores, quick-service restaurants and retail serving highway and local traffic.
Missouri Street — Neighbourhood retail and auto services with debit-heavy local trade.
We also cover Marion, Earle and Turrell on the same terms. ZIP codes served here include 72301.
Run your own West 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$58/ month
$700 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.