Get the payment processing solution that fits your business
Zero-Cost Dual Pricing & Cash Discount Solutions By Host Merchant Services
Understand exact rates and keep more of what you earn—no hidden fees, no guesswork.
Zero-Cost Dual Pricing & Cash Discount Solutions By Host Merchant Services
Understand exact rates and keep more of what you earn—no hidden fees, no guesswork.
Eliminate Credit Card Fees — Keep 100% Of Your Revenue
Eliminate Credit Card Fees — Keep 100% Of Your Revenue
Optimize your payment setup to meet Visa CPS lodging and rental standards — and secure the lowest possible interchange rates.
Why let card processing fees eat into your profits?
With Host Merchant Services’ Dual Pricing and Cash Discount Programs, you can process payments at no cost — legally, transparently, and in accordance with Visa, Mastercard, and federal regulations.
Whether managing a bustling restaurant, service-oriented business or online retail shop, our compliant solutions help you reduce or eliminate processing fees and incentivize customers who pay cash or ACH.
Turn Every Sale Into 100% Profit
Payment processing using traditional methods takes 2-4 percent of every card transaction; this is the money you have earned that you never keep. HMS changes that.
Our Zero-Fee Processing model allows merchants to comply with the law by showing both cash pricing and card pricing at checkout to offset those expenses. Customers see everything while your revenue remains undisturbed.
It’s simple.
- Your terminal or POS automatically shows dual pricing- cash and card.
- Customers choose how they want to pay.
- People who pay cash save money while card users pay the fee.
* Please note, cash discount programs are unavailable for merchants on Fiserv or Wells Fargo platforms. Only approved Fiserv surcharge programs or certified third-party providers are allowed for Fiserv merchants.
Smarter Checkout, Happier Customers
HMS provides intelligent Dual Pricing technology for your business that facilitates smooth processing.
Here’s what happens at your point of sale.
- Customers transparently see the cash as well as card prices.
- Our system applies the right price automatically, so you do not have to manually enter it.
- Keep track of your transactions in real time with instant receipts and reporting that integrates with your HMS dashboard.
- Keep track of your transactions in real time with instant receipts and reporting that integrates with your HMS dashboard.
You will never worry about paying processing monthly bills with this compliant model.
* Please note, cash discount programs are unavailable for merchants on Fiserv or Wells Fargo platforms. Only approved Fiserv surcharge programs or certified third-party providers are allowed for Fiserv merchants.
Dual Pricing Vs. Surcharging — The HMS Difference
| Feature | Dual Pricing (Cash Discount) | Surcharge Program |
|---|---|---|
| Pricing Display | Two prices shown upfront (cash & card) | One price displayed; fee added at checkout |
| Customer Experience | Transparent, no surprises | Slightly less transparent |
| Debit Cards | Never surcharged | Never surcharged |
| Compliance | Legal in all 50 states | Requires card network approval |
| Ideal For | In-person, retail, service-based businesses | High-volume or credit-heavy businesses |
Visa CPS Lodging And Car Rental Interchange
Built For Every Industry, Sized For Every Business
Our Cash Discount and Dual Pricing Programs are used across dozens of industries, from small businesses to enterprise chains.
Some of our top-performing sectors include:
- Automotive repair & body shops
- Restaurants, cafes, and food trucks
- Medical, dental, and chiropractic offices
- HVAC, plumbing, and electrical services
- Salons, spas, and wellness centers
- Professional services and high-risk merchants
Every setup is custom-built to match your sales model and compliance requirements.
Keep Your Business 100% Compliant
Compliance isn’t a checkbox — it’s a peace of mind. HMS ensures your pricing program is fully aligned with card brand and state laws, including:
- Clear in-store signage explaining pricing differences
- Proper terminal configuration for dual pricing or surcharges
- Transparent customer receipts
- Full Visa, Mastercard, and Durbin Amendment compliance
With HMS, your business operates confidently, legally, and transparently — avoiding the pitfalls of non-compliant processors.
Beyond the Counter — Cash Discounting For Online Businesses
Beyond the Counter — Cash Discounting For Online Businesses
You don’t need a physical store to save on processing. For eCommerce and online merchants, HMS offers ACH and eCheck discount programs that mirror in-person cash discounting.
Customers who choose ACH payments receive a discounted price, while you enjoy:
- Lower transaction costs
- Instant payment reconciliation
- Full integration with your online checkout
- PCI-compliant data security
It’s the same savings — just in digital form.
Why Choose HMS for Zero-Fee Processing
When you partner with Host Merchant Services, you get more than software — you get an entire ecosystem built to protect your profits.
Legal & Transparent Setup
No Hidden Costs
Next-Day Funding
U.S.-Based Support 24/7
Real people, real service.
Proven Results
When you partner with Host Merchant Services, you get more than software — you get an entire ecosystem built to protect your profits.
Start Paying $0 in Processing Fees
Every day you wait, you’re giving up revenue that could be yours. Switch to HMS and keep 100% of what you earn
with a compliant, customer-friendly program designed to help your business grow.
Stop paying fees. Start keeping your profits.
Frequently Asked Questions
Is Dual Pricing legal in my state?
What’s the difference between Dual Pricing and Surcharging?
Can I use this for online payments?
Will my customers be okay with this?
Are debit cards affected?
How fast can I start saving?
