Simplifying Cross-Border Payments for Business​

We are here to provide complete business services and customized credit card processing with consistently high quality

Smart Merchant Services & Credit Card Processing

Get the payment processing solution that fits your business

Host Merchant Services delivers more than payment processing—we provide a reliable, cost-effective payments infrastructure designed to support your growth. Whether you accept payments in-store, online, or on the go, our solutions are built for speed, security, and simplicity. From EMV terminals and POS systems to e-commerce gateways, mobile payments, recurring billing, and advanced reporting, every setup is tailored to your workflow. 

With years of experience, we offer expert support, transparent pricing, and a focus on reducing your processing costs. Explore our solutions or connect with a payments specialist for a custom proposal.

Tailored Solutions

Every business is different, and so are its payment processing needs. We offer bespoke solutions that address the distinct challenges your business faces, giving you the flexibility and support you need to succeed 24/7

Expertise in High-Risk Industries

Our deep understanding of high-risk sectors enables us to provide you with the most efficient and effective solutions tailored to your specific industry

Account Stability

We prioritize the long-term stability of your accounts. Our expert team helps minimize disruptions, ensuring you can process payments without unnecessary interruptions

Dedicated Support

Our team of experts is always here to help 24/7. Whether you need assistance with integration, compliance, or troubleshooting, we provide ongoing, personalised support to keep your business running smoothly

Compliance and Security

We understand the importance of compliance and data security. Our solutions are built to exceed industry standards, ensuring that your transactions are secure and your business stays compliant with regulatory requirements

Lightning-Fast Processing

Time is money, and we make every second count. Our optimized infrastructure ensures rapid payment approvals and settlements, so you get your funds faster and keep your business moving without delays.

Bespoke High Quality Payment Processing Services

With this startup, our aim was to build something truly significant that delivers sophisticated financial solutions, advice, and services to all our customers and clients. And so we have aligned our incentives with our customers and brought you smarter technologies, to ensure you an exceptional experience that replaces confusion with delight, and uncertainty with control

Designed For ISO's and Agents

A build-your-brand approach with white label and free unlimited downstream sub-agent management, we elevate your sales organization to grow rapidly with a turnkey platform. Grow your distribution by future-proofing with ISVs, expand into new emerging verticals and engage with new revenue streams.

A Wide Range of Verticals

We help our partners onboard merchants from industries that most providers avoid, opening the door to both challenging and emerging market opportunities.

Travel & leisure

Enable secure payments for airlines, cruises, and travel services with fraud prevention and compliance expertise.

Health products

Reliable payment processing for health supplement businesses, ensuring compliance and reduced chargebacks.

Education & coaching

Seamlessly process payments for coaching, seminars and educational services with robust risk management solutions.

Dating & social networks

Secure payment solutions for dating platforms and social networking sites, with advanced fraud protection and enhanced privacy.

E-commerce & subscriptions

Streamlined solutions for e-commerce and subscription models with custom reporting and fraud prevention tools.

Tobacco & vape products

Trusted payment processing for vape, e-cigarettes and tobacco products with industry-specific risk management.

Financial & lending services

Comprehensive payment solutions for lenders and financial services, ensuring compliance with regulations and reducing fraud risks.

Firearms & ammo

Specialized payment solutions for firearms and ammunition retailers, offering risk management and compliance with industry regulations.

Adult

Serving the adult industry and dating platforms, we provide robust, secure and compliant payment solutions tailored to high-risk environments.

Business opportunities

Our payment solutions empower entrepreneurs and businesses to capitalize on new ventures, offering flexibility and support for innovative models.

Document preparation

Our platform offers secure and efficient payment solutions tailored for document preparation services, from legal document support to form processing.

Multi-level marketing

Easily accept payments for products or services from independent distributors or networks with robust risk management solutions and compliant recurring payment solutions.

Payment Solutions Built Around Your Business

We help merchants across all industries accept payments with ease through modern processing and POS systems. Our clear pricing, zero cancellation fees, and outstanding service set us apart as a partner you can rely on long term.

24/7/365 Customer Support

Our expert support team is available around the clock—day or night, every day of the year

No Cancellation Charges

We keep customers happy with great service and affordable rates—not by locking them in. Cancel anytime, though we’re confident you’ll stay.

Freedom to Cancel Anytime

Our pricing and service speak for themselves. No termination fees, no long-term lock-ins.

Transparent Pricing

Zero setup fees and no hidden costs, only straightforward, competitive rates. —

Featured Terminals

We help our partners onboard merchants from industries that most providers avoid, opening the door to both challenging and emerging market opportunities.

TERMINALS AND READERS – NBMSINC

  • A free mobile credit card reader and app
  • Pricing as low as 2.69% per swipe
  • EMV acceptance

Verifone VX 520 Rugged Countertop Terminal

  • FREE Terminal to accept all payment types, including EMV chip cards, magstripe cards, gift/loyalty cards and NFC Payments
  • Includes a receipt printer and has fast processing speeds
  • No term contract or obligation

Verifone VX 680 Handheld Wireless Terminal

  • Mobile terminal with magstripe, smart (EMV) chip card and NFC reader
  • Integrated PIN pad and receipt printer
  • No term contract or obligation

iCT220 Countertop Terminal

  • Free countertop terminal enabling you to accept EMV chip, magstripe, and NFC/contactless payments.
  • Requires connection to a landline telephone or direct Internet connection.
  • No term contract or obligation

Frequently Asked Questions

Host Merchant Services lets you accept payments in-store, online, and on the go. This includes EMV chip cards, contactless “tap” payments, mobile wallets like Apple Pay® and Google Pay™, keyed and card-not-present transactions, recurring payments, invoicing, and e-commerce sales. We support a wide range of hardware and software options, including traditional terminals, full POS systems, mobile readers, virtual terminals, and secure online payment gateways—so you can accept payments wherever your customers choose to pay.

We use an interchange-plus pricing model, which means you pay the actual wholesale interchange rates set by the card networks, plus a clear and consistent markup from us. There are no application or setup fees, no PCI compliance charges, and no early termination penalties. Our standard pricing is published for full transparency, and before you sign, we review your effective rate with you in plain language so you know exactly what to expect.

With next-day funding, your card transactions are deposited into your bank account on the following business day. As long as your transactions are batched before the daily cutoff time, they are processed that evening and sent to your bank. Funds typically appear the next banking day, helping you maintain predictable cash flow for payroll, inventory, and daily expenses.

No. You can keep your current bank. We’re able to deposit funds into nearly any U.S. business checking account. During onboarding, you’ll provide a voided check or bank letter, and we’ll connect your merchant account to your existing bank. If you change banks later, our support team can quickly update your deposit information to avoid any interruption in funding.

Security and compliance are built into our payment solutions. We support EMV chip transactions, point-to-point encryption (P2PE), and tokenization to keep card data encrypted during transmission and replace sensitive card numbers with secure tokens when stored. We also provide PCI-DSS compliance tools and partner with specialized security providers to include data-breach protection coverage with every merchant account, helping reduce risk and simplify compliance.

We support a broad range of industries, including retail, restaurants, e-commerce, nonprofits, fitness studios, automotive and repair shops, medical and veterinary practices, professional services, and more. If your business isn’t listed, we likely still have a solution—our platform is designed to support both in-person and card-not-present businesses across the U.S. and Canada.

Yes. Through specialized underwriting and partnerships with high-risk providers, we can often support businesses that traditional processors decline, including certain online services, travel-related businesses, and other higher-risk categories. Approval and pricing are based on your individual risk profile, operating history, and chargeback activity, and all terms are clearly explained upfront. Some industries restricted by law or card-network rules may not be eligible.

Yes. In addition to interchange-plus pricing, we offer tools designed to lower your overall cost of acceptance. This includes Level II and Level III data optimization for B2B and B2G transactions, which can qualify eligible payments for reduced interchange rates. Where allowed, we also offer surcharge and cash-discount programs. Our team reviews your transaction patterns, card mix, and average ticket size to identify cost-saving opportunities without negatively affecting the customer experience.

Yes. If a chargeback occurs:

  • You’ll receive prompt notification through your reporting tools.
  • Our team explains the reason for the dispute and what documentation is needed.
  • We assist you in submitting receipts, signed invoices, order records, or other supporting evidence.

We also provide fraud-prevention tools such as AVS, CVV verification, EMV, and gateway-level filters to help reduce chargebacks before they happen.

We partner with ISVs and SaaS providers through our HMS Pay gateway and dedicated SaaS payments program. Integration options typically include:

  • Direct API integrations or hosted payment pages
  • Support for in-app, in-person, and online payments under a single relationship
  • Co-branded or white-label solutions in select cases
  • Custom commercial structures, including revenue sharing, based on volume and platform needs

An integration specialist will work with you to define both the technical implementation and the commercial model that best fits your platform.

Absolutely. We offer a free merchant account review and proposal, where we analyze your current statement line by line and compare it to our interchange-plus pricing. We also provide a savings guarantee—if we can’t demonstrate a lower processing cost, we’ll send you $50. Either way, you’ll gain a clear understanding of your fees and whether switching makes sense for your business.

Yes. Our support team is based in the United States and is available 24/7 by phone, email, and chat. You’ll have a dedicated account manager for onboarding and ongoing support. Most issues are resolved on the first contact, and technical support for terminals, gateways, and POS systems is handled by specialists trained on the specific hardware or software you use—helping minimize downtime and keep your business running smoothly.