Host Merchant Services

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Retail Merchant

Trusted Payment Solutions Built for Small Businesses

Simplify checkout with trusted, secure solutions designed to keep your business running non-stop. Accept cards, mobile wallets, and contactless payments in-store, online, and on the go – with transparent interchange-plus pricing, no long-term contracts or cancellation fees, and next-day funding.

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We have it all Covered, Whatever 
Your Payment Needs are

We have it all Covered, Whatever 
Your Payment Needs are

Card Machines & Terminals

Whether you're on-site or mobile, HMS offers a full line of terminals and card machines, EMV, NFC/contactless, wireless, smart terminals, etc., so you can accept payments face to face anywhere.

Mobile & Pop‑Up Payments

Got a stall, event, or remote job site? Use HMS’s mobile POS or card reader (e.g. SwipeSimple, Vital) connected via smartphone or tablet to accept card payments on the go.

Online Payment Solutions/Gateway

Our U.S.-based team is available 24/7 to answer questions, solve issues, and guide you through processing. Real people, real support, whenever your business needs assistance.

Virtual Terminal & Mail/Phone Orders

If you take orders over phone, mail, or key-in manually, HMS provides a virtual terminal interface in the gateway so you can securely process transactions from a browser.

Integrated & POS Solutions

Connect your EPOS/POS system and HMS so that transactions, reporting, and inventory sync automatically. Reduce manual errors, speed up checkouts, and get unified reporting.

Recurring/Subscription Billing

For membership, SaaS, or subscription services, HMS supports recurring billing and scheduled payments.

Electronic Invoicing & Payment Links

Send customers invoices via email containing secure payment links. They can click and pay instantly.

ACH/eCheck Processing

You don’t have to rely solely on card networks, Host Merchant Services supports ACH/eCheck transactions for lower‑cost transfers.

Gift Cards & Loyalty Programs

Boost customer retention with branded gift cards and loyalty offerings. HMS can set up these systems for you.

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Cut Costs and Keep Your Business Moving

At Host Merchant Services, we offer a “No-Cost Account” model. This cash discount program enables merchants, like you, to pass on processing costs to card-paying customers when transaction volumes reach specific thresholds.
And for businesses looking to grow or manage cash flow, we also provide merchant cash advances and flexible financing options through
 our trusted partner program

We don’t Leave High-Risk Businesses Behind

We don’t Leave High-Risk Businesses Behind

Some businesses face more challenges than others, whether it’s higher chargebacks, stricter regulations, or industry stigma. But we beg to differ in that view; no one should stop you from accepting payments and growing your business.
We specialize in supporting high-risk merchants with tailored payment solutions, transparent pricing, and expert underwriting. Whether you’re in online supplements, adult products, travel, CBD, or other flagged industries, we’ll work to get you the account you need, without the runaround.

What you get:

  • Custom merchant account setup (subject to approval)
  • Chargeback prevention tools
  • Recurring billing and ACH options
  • Integration with high-risk gateways
  • 24/7 expert support
Let’s talk if traditional processors have turned you away. We’re built differently.
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The Promise that Matters to Retailers

Shorter queues. Lower effective rates. Money in your account by the next business day. And if you’re not sure what you’re paying now, we’ll decode your statement and show you the true markup vs interchange, line by line.
Here’s What you Actually Pay (and Why)
Host Merchant Services keeps pricing simple and transparent. Every cost is published upfront, no hidden fees, no surprises. Here’s a clear breakdown of what you pay and why 
it matters.
Transparent Costs (Published):
  • Interchange: Passed through at cost
  • Monthly Account Fee: $14.99
  • Batch Fee: $0.20 per batch
  • Gateway (Optional): $5.00 per month
  • Annual 1099-K Reporting: $24.00 per year
  • $0.00 Fees For: PCI compliance, AVS, PIN debit, account closure
  • Voice Authorization (Rare): $0.75
HMS Markup:
  • Retail (Card-Present): Interchange + 0.25% + $0.10
Compare Pricing

Checkout Everywhere Your Customers Shop

Checkout Everywhere Your Customers Shop

Countertop & Registers (card-present)
Clover® stations and minis for multi-lane checkout and loyalty add-ons. Vital all-in-one registers and compact readers for smaller footprints. SwipeSimple for simple, mobile-first setups and curbside.
Online & Remote (card-not-present)
  • HMS Pay gateway with Level-1 PCI, 3-D Secure, tokenization, ACH/eCheck, 
invoices/pay-by-link, and a full virtual terminal.
  • Prefer your current stack? Plug in Authorize.Net or NMI without re-platforming.
Talk to an Expert

Enterprise-Grade Features for Every Merchant

Unified Sales View

Track and manage sales across your store, website, mobile, and pop-up locations, all in one place.

Tokenized Card Vault

Securely store customer cards for faster checkouts, returns, and repeat business.

Invoicing & Subscriptions

Perfect for services like repairs, SOR, or VIP memberships, bill one-time or regularly.

Level II/III Processing

Where eligible, unlock lower interchange fees on B2B and corporate card transactions.

PCI Compliance Support

No added costs. Period. Get step-by-step help with questionnaires, scans, and compliance reminders.

$100K Data Breach Protection

Trustwave-backed coverage included automatically with your HMS account.

End-to-End Encryption

Protect every transaction with encryption and tokenization across devices and gateways.

Get Started with HMS

Enterprise-Grade Features for Every Merchant

If You’re a Retailer, You’re Covered by HMS

  • Apparel & footwear: sizes/SKUs, exchanges, buy online and return in-store.
  • Electronics: high-ticket underwriting, address verification, and chargeback help.
  • Convenience & grocery: fast tap-to-pay, EBT compatibility via supported devices.
  • Beauty & health: appointments, memberships, tips, and team payouts.
  • Home & specialty services: deposits, backorders, remote invoicing, and split tenders.
  • Pop-ups & events: mobile readers, offline capture, simple per-event rollouts.
Get Started with HMS

Frequently Asked Questions

What does “interchange-plus” really mean for me?

You pay the card brands’ published interchange at cost plus HMS’s small, fixed markup (e.g., +0.25% + $0.10 for retail card-present). It’s the most auditable model and lets you compare quotes apples-to-apples.

Can I keep my existing POS/gateway?

Usually yes. HMS supports Clover, Vital, SwipeSimple hardware and works with gateways like HMS Pay, Authorize.Net, NMI, so you can improve pricing without ripping out your stack.

How fast is funding, exactly?

Batches closed on business days fund the next business day (bank holidays/weekends excluded).

Is PCI going to cost me extra?

No. Host Merchant Services includes PCI support at no charge and provides $100,000 breach protection coverage via Trustwave.

Who do I call when something breaks… tonight?

HMS provides 24×7×365 U.S.-based support. Seriously – anytime, we love helping your business run smoothly.

Can I pass card fees to my customers?

Yes, Host Merchant Services supports compliant surcharging and cash discount programs, where allowed by law, so you can offset processing costs transparently.

Do you support high-risk industries?

We do. Host Merchant Services works with many high-risk businesses (e.g., supplements, CBD, online services) and offers specialized underwriting and gateway options.

Reliability, Transparency, and Security
Backed by Technology, Just a Call Away

Send your latest statement (or projected volume) and we’ll map your effective rate, funding
timeline, and the right device mix for your floor plan. If you’d like a quick demo, feel free to 
connect with us on a call at 877-517-HOST (4678) or fill out the form, and we’ll reach out to you.

Get a Custom Quote