Get the Lowest Rates with Transparent Interchange+ Pricing

Cut processing costs with clear, pass-through Interchange+ pricing, volume-based discounts, and a support team that actually picks up the phone.
Fast secure payment processing with Host Merchant Services.

Designed to Deliver Real Value

No penalty fees, no hidden fees, no term commitment.

Lowest Rate Guarantee

We are so confident our rates are the lowest that we’ll give you a $100 gift card if we can’t save you money.

24x7x365 US Based 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.

Lifetime Rates

Experience the freedom of locked-in rates that will not increase over time.

No Term Commitment

Our excellent customer service and low rates retain customers, not our contracts. Cancel anytime free of charge.

Consumer_Affairs_AND_BBB

Request a Proposal

The next 30 seconds can result in big savings. Complete the information below and your relationship manager will get to work! We’ll find every wasted dollar and get it back in your pocket!

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
This field is hidden when viewing the form
This field is hidden when viewing the form

Stop Overpaying and Save with HMS

Merchants come to Host Merchant Services because they want pricing that makes sense. No surprises, no long-term lock-ins, and a setup that fits their payment methods (in-person, online, keyed, or mobile).

Businesses save 27% on average with Host Merchant Services, backed by transparent pricing and freedom from long-term commitments.

Contactless payment processing at small business; seamless payment solutions for retail outlets.
Transparent overview of data analytics showing decline, emphasizing business growth and merchant services.

How Our “Lowest Rates” Work

Interchange+

With Interchange+, the card brands set the base interchange cost, and your provider adds a clearly stated markup. You get transparent statements, predictable pricing, and lower total costs for many merchants, especially as volume grows.

Interchange+ Volume Discounts (In-Person)

With interchange-plus pricing, the markup charged by the processor decreases as a merchant’s monthly in-person card volume increases. Higher processing volumes qualify for lower percentage markups and reduced per-transaction fees, helping merchants lower their overall payment processing costs as their business grows.

Empowering Your Business with Smart Payment Solutions

Payment Processing

Accept credit and debit card payments securely and efficiently. Support fast transactions, reduce disruptions, and deliver a smooth checkout experience while keeping daily operations reliable and cost-effective.

POS Systems

Choose from a range of modern POS solutions designed for different business models, including retail, restaurants, and service-based merchants. We offer leading platforms such as Clover, Dejavoo, SwipeSimple, and KORONA POS, providing flexible features for payments, inventory, reporting, and customer management.

Payment Terminals

Access reliable EMV-compliant credit card terminals built for secure in-person payments. We support trusted hardware from First Data, Ingenico, PAX, and Valor PayTech, helping protect against fraud while meeting PCI requirements.

Merchant Cash Advance

Access flexible funding options based on your processing volume. Improve cash flow and cover short-term business needs without long approval cycles or rigid repayment structures.

Gift and Loyalty Cards

Strengthen customer retention with customizable gift and loyalty card programs. Encourage repeat visits, support brand engagement, and create additional revenue opportunities through simple card-based incentives.

QuickBooks Payment Integration

Process payments directly within QuickBooks to simplify accounting workflows. Reduce manual entry, limit errors, and maintain clear visibility into revenue and financial performance.

Contactless payment terminal with mobile phone for merchant services.

Founded on Fantastic Service

Host Merchant Services was built around customer service first, so you get a long-term payments partner, not a call-center maze.

Reliable customer support for Host Merchant Services payment solutions.

Frequently Asked Questions

What kinds of businesses do you handle?

Our payment processing services are suitable for a range of business types and markets, including retail, restaurant, e-commerce, high-risk, and other sectors. Our solutions are flexible and tailored to your business's unique needs.

What are the exact rates I’ll pay?

Your final effective rate depends on card mix (debit/rewards/business), acceptance method (in-person vs keyed/online), and monthly volume. We can provide an exact quote with a quick review.

What’s the fastest way to get a quote?

Click Find Your Custom Rate and share your monthly volume + how you accept payments. You’ll receive a proposal tailored to your business.

Is “free processing” the same as surcharging?

HMS positions the no-cost program as a cash-discount/dual-pricing model, which differs from surcharging in how prices are presented and discounted for cash/check.