ePaymentAmerica has called Bartlett, TN home and has been serving Bartlett area business owners with low-rate merchant services for the past 13 years! 

We truly care about our home community. From supporting the Bartlett Education Foundation with our Dollar for Dollar campaign, to our long standing partnership with the Bartlett Area Chamber, ePaymentAmerica is committed to growing our neighboring businesses and community.

Amazing savings, excellent customer service, and live local account managers! 

Who We Are:

We provide an affordable and simple full-merchant solutions to Bartlett business owners to accept credit cards with incredible savings. After being in business for 13 years, ePaymentAmerica has a proven track record of simple & transparent wholesale credit card processing while always putting our customers first. As your trusted Bartlett local credit card processing & innovate business solutions provider, we are here for you! 

What We Offer

We don’t just offer credit card processing, we offer an entire “esuite” of products to deliver true business solutions to our merchants. 

Merchant Cash Advances

Fast capital as a loan alternative

With eCash Now, we provide business owners quick cash advances to run and grow their business without having to take out a loan.  In return, they pay us back with a % of their credit card sales out of their daily batches. 


Low Cost Credit Card Processing

Full-service Merchant Services

We offer full-service credit card processing complete with customer support, chargeback support, reporting tools, PCI/EMV compliance, reliable sales equipment, POS Integration, tech support, and much more. 


Innovative Business Solutions

eBilling & eCommerce Tools

With an eSuite of innovative products and unique solutions, we help merchants sell more while saving money. From our online virtual terminal, recurring ebilling, online stores, and our Facebook sales tool, Yapyzal. 


What we are doing:

Introducing the affinity program:

ePaymentAmerica has partnered with The Bartlett Area Chamber of Commerce to reduce expenses for local business owners by offering our special BACC Affinity Program processing rates. For every business that participates in the program, ePaymentAmerica will give back 20% to the BACC to reinvest in helping the Bartlett community continue to grow and promote economic development.  

‘Dollar for Dollar’ supporting the youth of Bartlett through education:

For every merchant that donates, to the Bartlett Education Foundation, ePaymentAmerica will match it, dollar for dollar!*

We believe education is the most powerful tool to prepare our youth to lead healthy and productive lives as well as contribute to our community and country. This is why we are giving back to our community by supporting the Bartlett Education Foundation. Their mission is accomplished through a Grant Program available to all teachers in the Bartlett area (public) schools each year. These grants are used to carry out innovative projects that enrich the standard curriculum in ways that directly affect students’ day-to-day classroom experiences as well as improve the education system as a whole.

*Up to $15 per month, per merchant 

The ePaymentAmerica Difference:

ePaymentAmerica is a nationwide wholesale credit card processor and full-merchant solutions company headquartered in Bartlett, TN. 

Our CEO, Chris Reckert, has created a hybrid payment processing company that captures the best of traditional merchant processing companies and combines it with an elite team of entrepreneurial and progressive accounting and technology professionals. 

As a full in-house operation, complete with sales, marketing, underwriting, risk-management, technical support, product development, customer service and financial departments; we have the advantage of providing faster and more personable customer service. We believe in building a trusted partnership with our merchants, always putting them first, and offering a culture of service, security, and stability while providing an “eSuite” of flexible and innovative business solutions. 

Get started in 3 simple steps:



Send us your current monthly credit card statement from your existing processor. This will give us an accurate screenshot of what your daily transactions consist of in order to find you the maximum savings.



Our in-house financial team will generate a FAST & EASY to read line by line comparison and savings analysis; ensuring we find the best solution and pricing that fits your business. 



See for yourself the money you could save by switching to ePaymentAmerica. Our transparent pricing is laid out for you so you’ll always know exactly what you’re paying. We make it easy to switch with full POS Integration and innovative technology. 

Meet Our Local Sales Account Executive: Kristen Kines

With 7 years experience in the financial services industry, Kristen lends a level of expertise in business and financial planning that complements her work in processing solutions. Kristen is excited to help local businesses with their merchant processing as well as maintaining a focus on helping clients retain access to new working capital for expansion and growth. 

Kristen has recently partnered with the Bartlett Area Chamber of Commerce to launch an Affinity Program to promote local economic commerce and development. An active member of CityCurrent, Kristen partners with affiliate sponsors to help lower their processing fees and increase their bottom line.

As a former collegiate athlete, Kristen graduated Magna Cume Laude from the University of Memphis, and was awarded the Commissioner’s USA Academic Medal in 2005. Kristen lives in Germantown with her two children, Cara and Ross.

Call Kristen today to request a complimentary consultation and fee analysis! 901-552-6197

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