Trusted Payment Solutions Built for Small Businesses

Simplify checkout with trusted, secure solutions designed to keep your business running non-stop. Accept cards, mobile wallets, and contactless payments in-store, online, and on the go – with transparent interchange-plus pricing, no long-term contracts or cancellation fees, and next-day funding.
Smooth payment processing with Host Merchant Services for small businesses and e-commerce.
Affordable credit card processing solutions for small businesses and online stores.

We Have it All Covered, Whatever Your Payment Needs Are

Mobile credit card terminal for secure payment processing.
Card Machines & Terminals

Whether you're on-site or mobile, HMS offers a full line of terminals and card machines, EMV, NFC/contactless, wireless, smart terminals, etc., so you can accept payments face to face anywhere.

Mobile payment terminal with secure transaction icons.
Mobile & Pop‑Up Payments

Got a stall, event, or remote job site? Use HMS’s mobile POS or card reader (e.g. SwipeSimple, Vital) connected via smartphone or tablet to accept card payments on the go.

Mobile payment app interface on smartphone screen, digital payment technology, secure transaction.
Online Payment Solutions/Gateway

Our U.S.-based team is available 24/7 to answer questions, solve issues, and guide you through processing. Real people, real support, whenever your business needs assistance.

Cloud-based payment processing solutions for businesses.
Virtual Terminal & Mail/Phone Orders

If you take orders over phone, mail, or key-in manually, HMS provides a virtual terminal interface in the gateway so you can securely process transactions from a browser.

Secure payment processing solution for small businesses.
Integrated & POS Solutions

Connect your EPOS/POS system and HMS so that transactions, reporting, and inventory sync automatically. Reduce manual errors, speed up checkouts, and get unified reporting.

Secure payment processing solutions for businesses from Host Merchant Services.
Recurring/Subscription Billing

For membership, SaaS, or subscription services, HMS supports recurring billing and scheduled payments.

Secure payment processing with Host Merchant Services for seamless business transactions.
Electronic Invoicing & Payment Links

Send customers invoices via email containing secure payment links. They can click and pay instantly.

Red credit card payment icon with wireless signal for secure transactions.
ACH/eCheck Processing

You don’t have to rely solely on card networks, Host Merchant Services supports ACH/eCheck transactions for lower‑cost transfers.

Secure payment processing solutions for small businesses at Host Merchant Services.
Gift Cards & Loyalty Programs

Boost customer retention with branded gift cards and loyalty offerings. HMS can set up these systems for you.

Affordable payment processing solutions for small businesses at Host Merchant Services.

Cut Costs and Keep Your Business Moving

At Host Merchant Services, we offer a “No-Cost Account” model. This cash discount program enables merchants, like you, to pass on processing costs to card-paying customers when transaction volumes reach specific thresholds.
And for businesses looking to grow or manage cash flow, we also provide merchant cash advances and flexible financing options through
 our trusted partner program
Secure Payment Processing for Small Businesses.

We Don’t Leave High-Risk Businesses Behind

Some businesses face more challenges than others, whether it’s higher chargebacks, stricter regulations, or industry stigma. But we beg to differ in that view; no one should stop you from accepting payments and growing your business.

We specialize in supporting high-risk merchants with tailored payment solutions, transparent pricing, and expert underwriting. Whether you’re in online supplements, adult products, travel, CBD, or other flagged industries, we’ll work to get you the account you need, without the runaround.

What you get:

Let’s talk if traditional processors have turned you away. We’re built differently.

The Promise That Matters to Retailers

Shorter queues. Lower effective rates. Money in your account by the next business day. And if you’re not sure what you’re paying now, we’ll decode your statement and show you the true markup vs interchange, line by line.
Host Merchant Services keeps costs straightforward and transparent, with program details clearly disclosed and no hidden fees or unexpected charges. Interchange is passed through at cost, standard account services are included, and support is provided for batch processing, required tax reporting, and voice authorization when needed. There are no fees for PCI compliance, AVS, PIN debit, or account closure, and merchants use an interchange-plus pricing model for card-present transactions.
Seamless payment processing handshake with Host Merchant Services, trusted credit card payment solutions provider.
Mobile payment processing solutions for retail business growth.

Checkout Everywhere Your Customers Shop

Countertop & Registers (card-present)

Clover® stations and minis for multi-lane checkout and loyalty add-ons.

Vital all-in-one registers and compact readers for smaller footprints.

SwipeSimple for simple, mobile-first setups and curbside.

Online & Remote (card-not-present)

Enterprise-Grade Features for Every Merchant

Custom Payment Solutions for Small Business Growth at Host Merchant Services.
Unified Sales View

Track and manage sales across your store, website, mobile, and pop-up locations, all in one place.

Secure payment processing terminal for businesses.
Tokenized Card Vault

Securely store customer cards for faster checkouts, returns, and repeat business.

Invoicing Subscriptions
Invoicing & Subscriptions

Perfect for services like repairs, SOR, or VIP memberships, bill one-time or regularly.

Secure payment processing with Host Merchant Services for seamless business transactions.
Level II/III Processing

Where eligible, unlock lower interchange fees on B2B and corporate card transactions.

Secure payment processing solutions for businesses | Host Merchant Services.
PCI Compliance Support

No added costs. Period. Get step-by-step help with questionnaires, scans, and compliance reminders.

Business credit card processing solutions for merchants.
$100K Data Breach Protection

Breach protection is available for merchants who complete their PCI compliance.

Red credit card payment terminal on white background for secure transactions.
End-to-End Encryption

Protect every transaction with encryption and tokenization across devices and gateways.

Secure credit card payment processing solutions for small businesses.

If You’re a Retailer, You’re Covered by HMS

Smiling man in café wearing apron, using a smartphone for payment or order processing.

Reliability, Transparency, and Security
Backed by Technology, Just a Call Away

Send your latest statement (or projected volume) and we’ll map your effective rate, funding
timeline, and the right device mix for your floor plan. If you’d like a quick demo, feel free to 
connect with us on a call at 877-517-HOST (4678) or fill out the form, and we’ll reach out to you.

Secure credit card processing solutions for small businesses and merchants.
Acceptable credit card payment solutions for small businesses and entrepreneurs.

Frequently Asked Questions

What does “interchange-plus” really mean for me?

You pay the card brands’ published interchange at cost plus HMS’s small, fixed markup (e.g., +0.25% + $0.10 for retail card-present). It’s the most auditable model and lets you compare quotes apples-to-apples.

Can I keep my existing POS/gateway?

Usually yes. HMS supports Clover, Vital, SwipeSimple hardware and works with gateways like HMS Pay, Authorize.Net, NMI, so you can improve pricing without ripping out your stack.

How fast is funding, exactly?

Batches closed on business days fund the next business day (bank holidays/weekends excluded).

Is PCI going to cost me extra?

No. Host Merchant Services includes PCI support at no charge.

Who do I call when something breaks… tonight?

HMS provides 24×7×365 U.S.-based support. Seriously – anytime, we love helping your business run smoothly.

Can I pass card fees to my customers?

Yes, Host Merchant Services supports compliant surcharging and cash discount programs, where allowed by law, so you can offset processing costs transparently.

Do you support high-risk industries?

We do. Host Merchant Services works with many high-risk businesses (e.g., supplements, CBD, online services) and offers specialized underwriting and gateway options.