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.
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.
* 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.
HMS provides intelligent Dual Pricing technology for your business that facilitates smooth processing.
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.
| 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 |
Our Cash Discount and Dual Pricing Programs are used across dozens of industries, from small businesses to enterprise chains.
Every setup is custom-built to match your sales model and compliance requirements.
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:
With HMS, your business operates confidently, legally, and transparently — avoiding the pitfalls of non-compliant processors.
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.
It’s the same savings — just in digital form.
When you partner with Host Merchant Services, you get more than software — you get an entire ecosystem built to protect your profits.
Real people, real service.
When you partner with Host Merchant Services, you get more than software — you get an entire ecosystem built to protect your profits.
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.
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