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Free Payment Processing for Merchants
Say Goodbye to Fees — Keep 100% of Your Revenue
Our No-Cost Merchant Account, also known as the Cash Discount Program, adds a minor convenience fee to each transaction to offset processing fees automatically. Customers get a discount on the fee when they pay in cash or check. This means you pay $0 in processing fees and remain 100% compliant with regulations.
Simple, Legal, and Seamless Free Payment Payment Processing
The HMS No-Cost Payment Processing Program allows merchants to operate more profitably without changing their business practices, thus increasing revenue.
Here’s how it functions.
- Every transaction includes a convenience fee. This covers the cost of processing credit card payments.
- Cash or check payments are discounted. People who pay cash or check are rewarded with an instant discount.
- Cardholders cover the fees. The merchant receives card payment at no cost since the processing fee is built into the service charge.
This structure isn’t surcharging; it’s cash discounting. You’re encouraging cash payments while offering full transparency to customers at checkout.
Is the No-Cost Account Really Free?
Yes — it’s truly free!
Merchants processing $5,000 or more per month pay absolutely nothing for payment processing.
If your business processes less than $5,000/month, you can still enjoy all the benefits for a flat fee of just $20/month — with no surprise charges or rate increases.
It’s the simplest, most affordable way to accept payments without losing revenue to card fees.
Who Qualifies for Free Payment Processing?
Almost every business can take advantage of this program!
Our No-Cost Merchant Account works best for merchants who do not require “tip adjust” functionality — a feature common in sit-down restaurants where tips are added after card authorization.
Ideal business types include:
- HVAC, Plumbing, and Electrical Contractors
- Auto Repair and Maintenance Shops
- Landscaping and Property Management
- Medical and Wellness Offices
- Retail, Service-Based, and High-Risk Merchants
If you’re unsure, our team will assess your setup and confirm eligibility in minutes.
When Do I Get Paid?
Fast deposits are standard. With Next-Day Funding included, you’ll receive your money the very next business day after batching out.
All deposits you receive are your total revenue without deductions and there is no processing fee shown on the monthly statement fees.
Key Benefits of the HMS Free Payment Processing Program
100% Revenue Retention
Stop paying credit card fees forever. Every dollar from your sale stays with you.
Next-Day Funding
No waiting for deposits. Receive your funds the next business day, consistently.
Online Account Access
You can access reports, deposits, and analytics through your online merchant dashboard 24/7.
White-Glove Customer Service
A real person will answer your call. No hold queues, no bots, no waiting.
Fast Approvals
Generally, we approve and process most accounts within 48 hours.
No Long-Term Contracts
With no cancellation fees, our merchants stick with us month-to-month because they love us and not because they’re trapped.
Satisfaction Guaranteed
Our 98% retention rate speaks for itself. When you process with HMS, you get a partner who wants you to win.
No-Cost vs. Surcharging — What’s the Difference?
These two programs sound similar, but they’re not the same:
| Feature | No-Cost / Cash Discount | Surcharge Program |
|---|---|---|
| How it Works | Adds a service fee to all transactions, then discounts it for cash/check payments | Adds a fee only to credit card transactions |
| Customer Experience | Incentivizes cash payments | Disincentivizes card payments |
| Debit Cards | Never surcharged | Never surcharged |
| Compliance | Legal in all 50 states | Requires specific network approval |
| Best For | Service-based, retail, and B2B businesses | Credit-heavy or enterprise merchants |
The HMS No-Cost Program is based on positive reinforcement, which rewards cash payments instead of penalizing card holders.
Why Businesses Love HMS No-Cost Processing
Processing fees eat into your margins — sometimes by thousands of dollars each year. With HMS’s compliant dual-pricing model, you can finally:
- Eliminate Monthly Fees and Rate Hikes
- Improve Cash Flow Instantly
- Offer Customers a Transparent, Choice-Driven Checkout Experience
- Stay Fully Compliant With Visa, Mastercard, and State Laws
HMS ensures every transaction boosts your bottom line.
How to Get Started
Getting started is quick and effortless:
- Fill out the “I Want Free Processing!” form.
- An HMS specialist will contact you to confirm your eligibility.
- Approvals happen in as little as 24 hours.
- Start processing payments and keep 100% of your revenue from day one.
It’s that simple.
HMS Promise — Transparency, Trust, and True Savings
At Host Merchant Services, we believe saving money should never cost you money. Our Free Payment Processing Program is fully compliant, transparent, and tailored to your business — with no hidden fees, no contracts, and no gimmicks.
That’s why thousands of merchants trust HMS for their payment solutions — and why our customer satisfaction and retention rates are among the highest in the industry.
Start Your Free Payment Processing Journey Today
Why pay to get paid? Switch to Host Merchant Services’ Free Payment Processing Program and experience what true savings feels like.
- Instant Approvals of Accounts
- Global Multi-Currency Payments
- Advanced Fraud & Chargeback Defense
- 24/7 U.S.-Based Support