Host Merchant Services

Menu
Facebook-f X-twitter Linkedin-in

Merchant

Services You'll Love

  • Reliability
  • Scalability
  • Low Cost
  • Great Service
Get Started
Become a Partner

About Host Merchant Services

Merchant Services and Credit Card Processing Done Right

Merchant Services and Credit Card Processing Done Right

Get the payment processing solution that fits your business

Host Merchant Services delivers more than payment processing, we deliver a reliable and cost-efficient payments infrastructure built to help your business grow. Accept cards in-store, online, or on the go, our solutions are engineered for speed, security, and simplicity. From EMV terminals and point-of-sale systems to e-commerce gateways, mobile checkout, recurring billing, and advanced reporting, we efficiently tailor every setup to your workflow..

Backed by years of experience, we offer industry-leading support, transparent and lowest pricing possible, and a commitment to lowering your processing costs, Host Merchant Services gives you a long-term payments partner you can trust. Explore our processing solutions or connect with a payments specialist today to get a custom proposal built around your exact needs.

Explore More

Explore Other Industries and Business Types

Fitness Studios

Cloud Studio Manager streamlines scheduling, billing, and memberships for growing fitness brands.
Explore More

Contractors

Cloud Job Manager simplifies scheduling, invoicing, and payments for contractors.
Explore More

Nonprofits

Cloud Donor Manager simplifies donor tracking, fundraising, and secure online giving.
Explore More

Restaurants

Fast, reliable POS payment solutions tailored for busy restaurants and kitchens.
Explore More

Retail Stores

Affordable, secure in-store payment processing for smooth, hassle-free checkouts.
Explore More

Ecommerce

Accept online payments securely with seamless, scalable e-commerce integrations.
Explore More

Mobile Payments

Take payments anywhere with flexible mobile solutions for on-the-go businesses.
Explore More

Veterinary Clinics

Secure, compliant payment solutions designed for clinics, practices, and labs.
Explore More

Merchant Services Made for You

We provide merchants of all types with payment processing and point of sale systems. We use straightforward pricing, no cancellation fees, and fantastic customer service making us the last merchant services company you will ever want.

24x7x365 Customer Service

We are always here for you with access to industry-leading customer service 24 hours a day – 7 days a week – 365 days a year.

No Cancellation Fees

Our excellent customer service and low rates retain customers, not termination fees. Cancel anytime but we bet you won’t want to.

Lifetime Rates

Experience the freedom of
locked-in credit card processing rates that won’t increase over time.

No Up-Front or Hidden Fees

No setup fees and no hidden charges. Just the lowest merchant services rates available.

What our customers are saying

Our merchants love us and it shows. We are top-rated in the Better Business Bureau, Consumer Affairs, and Card Payment Options. Our #1 priority is merchant satisfaction! Find out why we are the top rated credit card processor in the world!

bbb-logo-A-Plus
ca-review-badge-01
Screen-Shot-2017-05-08-at-2.16.55-PM

Businesses Save 27% on Average with Host Merchant Services

Transparent pricing, zero hidden fees, and freedom from long-term commitments.
  • In-person
  • Keyed & Online
  • Total
Average in-person cost
Average in-person cost
Average in-person cost

Average costs to expect

Based on the weighted average cost of popular cards and a transaction size of: $

Monthly sales volume:

In-person rate Monthly credit card volume Discount tier
Interchange+ 0.40% + $.08 $0 - $50K 1
Interchange+ 0.35% + $.07 $50 - $100K 2
Interchange+ 0.25% + $.07 $100 - $500K 3
Interchange+ 0.20% + $.06 $500 - $1M 4
Interchange+ 0.15% + $.06 $1M+ 5
Find Your Custom Rate

Founded on Fantastic Service

Host Merchant Services was founded in 2010 and was structured around a strong backbone of customer service. 11 years and thousands of happy merchants later, customer service is still our number one priority. In fact, our merchant support team is 4x larger than our sales team! We don’t believe in hold queues either, so you’ll never have to wait in line. When you’re with Host you’ll get first-class treatment!

Test Us! (877) 517-4678

Featured Terminals

Host Merchant Services offers a wide variety of credit card machines for businesses throughout the United States and Canada. We offer the latest credit card machines including Pax, Dejavoo, Ingenico, Valor PayTech, Verifone, and more.

Integrate Payment Processing Into Your Software

You’ve created an app but need to integrate payment processing? You’ve come to the right place! We offer custom direct integrations with an easy-to-use API and a broad range of terminal solutions. We specialize in helping ISVs and SaaS providers integrate payments seamlessly into their software.

Point of Sale Systems

Complete, Reliable POS Solutions for Every Business
View all point of sale

HMS Pay

All-In-One Virtual Terminal and Payment Gateway – In-House
More about HMS Pay

QuickBooks Integration Options

Integrated Payment Processing for QuickBooks
learn more

SwipeSimple Mobile Processing

Mobile Card Readers for On-The-Go Payments
learn more
Get Started
(877) 517-4678

Merchant Services and Credit Card Processing News

SEO Agency Payment Processing: High-Risk Solutions

US-based SEO and digital marketing agencies often ...

Read More

Top Ecommerce Trends for 2025

E-commerce trends are making the shopping experien...

Read More

Restaurant Payment Processing: QSR vs Full-Service Guide

Choosing the right payment processing system is no...

Read More

Frequently Asked Questions

What kinds of payments can I accept with Host Merchant Services?

You can accept payments in person, online, and on the go. That includes EMV chip cards, contactless payments (tap), mobile wallets like Apple Pay® and Google Pay™, keyed and card-not-present transactions, recurring billing, invoices, and e-commerce payments. We support traditional terminals, full POS systems, mobile readers, virtual terminals, and online payment gateways so you can take payments wherever your customers are.

How is your pricing structured, and what makes it different?

We use interchange-plus pricing, which means you pay the true wholesale interchange costs set by the card brands, plus a small, transparent markup from us. There are no application or setup fees, no PCI compliance fees, and no early termination penalties. We publish our standard markups and fees so you know exactly what you’re paying for, and we’ll walk you through your effective rate in plain language before you sign anything.

How quickly will I receive my funds?

With next-day funding, your card sales are deposited into your bank account the next business day. As long as you close (batch) your transactions by the daily cutoff time, we process that batch the same evening and send it to your bank, so the money typically shows in your account on the next banking day.This keeps your cash flow predictable, making it easier to manage payroll, inventory, and everyday expenses.

Do I need to change banks to work with you?

No, you don’t need to change banks.We can deposit your funds into almost any U.S. business checking account. During setup, you simply provide a voided check or bank letter, and we link your merchant account to your existing business bank. If you ever change banks in the future, our support team can update your deposit details quickly so your funding is not interrupted.

How do you protect my customers’ card data?

Security and compliance are built into our solutions. We support EMV chip transactions, point-to-point encryption (P2PE), and tokenization, which help keep card data encrypted in transit and replace sensitive card numbers with secure tokens in storage. We provide PCI-DSS compliance tools and work with specialist security partners to offer data-breach protection coverage with every merchant account. Our goal is to reduce your risk and simplify compliance so you can focus on running your business.

Do you support my industry?

Almost certainly. We work with retail stores, restaurants, e-commerce brands, nonprofits, fitness studios, automotive and repair shops, medical and veterinary practices, professional services, and more. If you don’t see your niche listed, we still likely have a solution—our platform is built to support both in-person and card-not-present businesses across the U.S. and Canada.

Can you work with high-risk or hard-to-place businesses?

Yes. Through specialized underwriting and our partnership with high-risk providers, we can often support businesses that traditional processors decline—such as certain online services, travel, and other higher-risk categories. Approval and pricing depend on your specific risk profile, history, and chargeback patterns, and we’ll be very clear about terms before you sign. Some industries (for example, those restricted by card-brand rules or law) may still be out of scope.

Can you help lower my processing costs beyond the rate itself?

Yes. In addition to interchange-plus pricing, we provide tools that can lower your effective cost of acceptance. These include Level II and Level III data optimization for B2B and B2G transactions, which can qualify many corporate and purchasing cards for lower interchange categories. We also offer surcharge and cash-discount program options where permitted by law and card-brand rules. Our team will review your processing patterns, card mix, and average ticket size to identify ways to reduce interchange expenses without impacting the customer experience.

What happens if I get a chargeback? Can you help me fight it?

Yes. If a chargeback occurs:
  • You’ll be notified promptly through your reporting tools.
  • Our team will walk you through what’s being disputed and what documentation can help.
  • We help you respond with receipts, signed invoices, order logs, or other evidence as needed.
We also offer fraud-prevention tools (AVS, CVV verification, EMV, and gateway-level filters) that can reduce chargebacks before they happen.

I have a software platform. How does payment integration and revenue sharing work?

We work with ISVs and SaaS providers through our HMS Pay gateway and dedicated SaaS payment integrations program. Typical options include:
  • Direct API integration or hosted payment pages
  • Support for in-app, in-person, and online payments under one relationship
  • Co-branded or white-label options in some cases
  • Custom commercial terms that can include revenue sharing, depending on volume and structure
Your integration specialist will help scope the technical approach and the commercial model that makes sense for your platform.

Can you review my current statement and tell me if switching makes sense?

Absolutely. We offer a free merchant account review and proposal, where we analyze your current statement line by line and compare it to our interchange-plus pricing.We also publish a savings guarantee: if we can’t show you a lower cost of processing, we’ll send you $50. Either way, you walk away understanding exactly what you’re paying for and whether switching is worth it for your business.

Do you offer U.S.-based support, and how quickly can I get help?

Yes. Our support team is based in the United States and is available 24/7 by phone, email, and chat. You receive a dedicated account manager for onboarding and ongoing assistance. Most issues are resolved on the first contact, and technical support for terminals, gateways, and POS systems is handled by specialists trained on the specific hardware or software you use. This reduces downtime and helps keep your operations running without disruption.