Fast, Secure Payment Processing Built for Your Business

Seamlessly accept in-person, online, and mobile payments with tools designed to simplify reconciliation and boost revenue.
Contactless credit card payment terminal for retail and business transactions.
Contactless payment transaction on smartphone with credit card for secure sales processing.

Accept Payments Anywhere 
With Payment Processing You 
Can Rely On

At Host Merchant Services, we believe that payment processing shouldn’t be a difficult part of doing business. Whether you own a small cafe, an e-commerce website, or a national service franchise, we will provide you with safe and competitive payment processing solutions that are tailored to your specific business needs.

We proudly serve tens of thousands of businesses throughout the United States and Canada, simplifying their financial transactions, lowering fees, and improving customer satisfaction with cutting-edge technology and dedicated customer care.

Smarter Payment Processing Starts Here

We help businesses accept payments anywhere, anytime, whether it’s in-store, online, or on a mobile device. From credit and debit cards to contactless payments, mobile wallets, ACH, our solutions let you do business the way your business wants.

With fast funding, clear pricing and 24/7 support, HMS provides a full range of merchant services that scale with your business.

Contactless payment terminal with smartphone, card reader for secure credit card transactions.

Industries We Serve

We acknowledge that every industry has unique payment processing needs. That’s why HMS provides custom merchant accounts designed to integrate with your processes, regulations, and user experience.

Secure payment solutions for small businesses boost sales and customer trust.
Retail Stores
Accelerate checkout and manage sales with reliable POS systems, real-time reporting, and tap, dip, or swipe acceptance.
Secure payment processing solutions for small businesses and merchants.
Restaurants

Process payments efficiently with restaurant-ready POS systems supporting EMV, NFC, tip management, and pay-at-table functionality.

Secure payment processing for businesses, reliable merchant services provider.
High-Risk Businesses

High-risk solutions help you manage complex transactions, reduce chargebacks, and maintain stable, compliant payment processing in regulated industries.

Secure payment processing with Host Merchant Services for seamless transactions.
Medical Practices

Enable secure, uninterrupted payment processing for patient services, invoicing, and sensitive transactions.

Reliable payment processing services for businesses, secure merchant solutions, and excellent customer support.
Nonprofits

Cloud Donor Manager helps you manage donors, track contributions, automate recurring donations, and accept payments across all channels.

Red payment terminal for merchant transactions | Host Merchant Services.
Ecommerce

Accept secure online payments with integrated gateways, virtual terminals, and recurring billing backed by full PCI compliance.

Secure payment processing solutions for small businesses and merchants.
Real Estate

Cloud Rental Manager helps you manage rental payments, tenant billing, recurring charges, and secure transactions for residential and commercial properties.

Secure payment processing terminal at Host Merchant Services.
Contractors

Cloud Job Manager helps you handle projects, send invoices, accept on-site payments, and track jobs in real time, without disrupting your workflow.

Secure payment processing solution from Host Merchant Services, trusted by businesses.
Automotive Merchants

Accept payments quickly, reduce chargebacks, and offer financing or recurring billing for automotive services.

Secure payment processing solutions for businesses | Host Merchant Services.
Fitness Studios

Cloud Studio Manager helps you manage memberships, class scheduling, recurring billing, and in-person or online payments from one centralized platform.

Secure payment processing for businesses with Host Merchant Services.
Hospitality & Lodging

Manage deposits, room charges, and mobile checkouts with extended authorizations and seamless system integrations.

Secure payment terminal with card reader and keypad.
Firearm Retailers

Operate confidently with compliant, reliable payment solutions designed for firearm and tactical businesses.

Transparent Pricing Options

Debt management financial crisis on smartphone screen with cash and credit cards in purse.

Interchange Plus (Cost Plus)

The industry’s fairest pricing model. We pass through actual interchange rates from Visa, Mastercard, Discover, and Amex, with a small, fixed markup. You’ll always know exactly what you’re paying, and why.

Error message on computer screen, business tech troubleshooting, office workspace, digital payment issues.

No Frozen Accounts or Delays

We help protect your business from sudden account holds or canceled transactions, ensuring a steady and uninterrupted payment flow.

Why Do Businesses Choose HMS 
Payment Processing Solutions?

Secure payment processing solutions for small businesses and merchants.
Next-Day & Same-Day Funding

Get paid faster; most merchants receive deposits within 24 hours, with same-day options available.

Secure payment processing and merchant account solutions for businesses.
Custom Setup & Integration

From POS to accounting software, our team ensures every system works seamlessly together.

Red credit card processing icon representing secure payment solutions.
No Long-Term Contracts or Cancellation Fees

All accounts are month-to-month. Stay with us because you love our service, not because you’re locked in.

Red circular icon with a 24/7 customer support symbol.
White-Glove Support, 24/7/365

Our U.S.-based customer service is live, fast, and rated 5 stars by our merchants. You’ll never sit in a call queue.

Contactless payment terminal for merchant credit card processing and POS solutions.

The HMS Promise

At Host Merchant Services, we stand for honesty, transparency, and partnership. We’re proud to maintain one of the highest merchant retention rates in the industry, built on trust and long-term relationships.

When you join HMS, you get more than just a processor, you get a dedicated team committed to helping your business grow, every step of the way.

Experience the difference of working with a payment partner that puts you first.

Ready to get started?

Simplify your payment processing and reduce your costs with Host Merchant Services. Speak with one of our payment experts today for a free quote or rate comparison and see how much you could save.
Mobile payment processing terminal for small businesses and merchants.
Contactless credit card payment at a restaurant or café.

Start Accepting Payments the Smarter Way

Lower your processing costs, get paid faster, and enjoy reliable support with payment solutions built to scale with your business.

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Frequently Asked Questions

What types of businesses can HMS support?

We serve all major industries, including retail, restaurants, eCommerce, healthcare, automotive, nonprofits, and high-risk businesses.

What makes HMS pricing different?

We use transparent Interchange Plus pricing, no hidden markups, no confusing tiers. You always know exactly what you’re paying.

How fast will I receive my funds?

Most merchants receive deposits the next business day, and some qualify for same-day funding depending on volume and processing type.

Do I have to sign a long-term contract?

No. HMS offers flexible month-to-month agreements with no cancellation fees or early termination penalties.

What kind of customer support do you offer?

You’ll get 24/7/365 live, U.S.-based support and a dedicated account manager to assist with setup, troubleshooting, and ongoing optimization.

Can HMS help with high-risk merchant accounts?

Absolutely. We specialize in high-risk industries with tools for chargeback prevention, fraud management, and stable processing relationships.
Mobile payment processing with card reader and POS system | Host Merchant Services.