EXHIBIT 5



                                 August 6, 1997



Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

    Re:   PMT Services, Inc.
          Registration Statement on Form S-8

Ladies and Gentlemen:

    We are acting as counsel to PMT Services, Inc., a Tennessee corporation (the
"Company"), in connection with the registration under the Securities Act of
1933, as amended (the "Act"), of an aggregate of 1,500,000 shares of the
Company's Common Stock, $.01 par value per share (the "Shares"), pursuant to a
Registration Statement on Form S-8 (the "Registration Statement").  We have
examined the Company's Amended and Restated Charter, as amended to date, its
Bylaws as amended to date, the record of proceedings of its shareholders and
directors, and the Registration Statement.  We have also examined and relied
upon such other records, documents and instruments as in our judgment are
necessary or appropriate in order to express the opinions hereinafter set forth.

    Based upon the foregoing, we are of the opinion that the Shares, when issued
and delivered in the manner and on the terms described in the 1994 Incentive
Stock Plan, as amended, will be duly and validly issued, fully paid and non-
assessable.

    We hereby consent to the filing of this opinion as an exhibit to the
Registration Statement.


                              Very truly yours,

                              /s/ Waller Lansden Dortch & Davis,
                              A Professional Limited Liability Company