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Point of Sale System

Faster Sales. Smarter Management. Next-Day Payments.

Run your retail store, restaurant, or service business on a POS built to streamline checkout, simplify daily operations, and keep cash flowing. Host Merchant Services provides clear interchange-plus pricing, round-the-clock U.S.-based support, and access to trusted POS brands—all under one roof.

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Powerful POS Tools That Work Harder for Your Business

Host Merchant Services delivers secure, high-quality payment processing and POS solutions built for growing businesses.

Sell Seamlessly In-Store and Online

Accept chip, tap, swipe, keyed-in, invoice, and online payments—all from one platform. Add online checkout, QR codes, and pay-by-link with ease. Your item catalog, taxes, discounts, and inventory stay synced across in-store, eCommerce, and mobile so curbside pickup, delivery, and shipping run smoothly.

Industry-Specific Tools Built for How You Work

Manage tables, modifiers, coursing, KDS, and tips. Track barcodes, variants, exchanges, POs, and multi-location inventory. Handle appointments, estimates, deposits, and recurring billing—all tailored to your workflow and growth.

Integrated Rewards & Marketing Automation

Enroll customers at checkout and launch points or cash-back programs. Send personalized email and SMS promotions, recover abandoned carts, and schedule birthday or VIP offers—all with built-in performance tracking.

Live Reporting & Inventory Oversight

Track real-time sales by location, device, and employee. Monitor margins, set low-stock alerts, manage reorders, run cycle counts, and export accurate reports directly to your accounting software.

Reliable Solutions That Grow with Your Business

Host Merchant Services offers more than POS systems—it delivers dependable solutions, transparent pricing, and long-term value built for your business.

  • Transparent Interchange-Plus Rates: Simple, pass-through pricing with low, industry-specific markups and no hidden fees.

  • Next-Day Funding: Batch out today and receive deposits as soon as the next business day.

  • Lifetime Rate Guarantee: Your processing markup stays locked in for the life of your account.

  • 24/7 U.S.-Based Support: Talk with experienced, U.S.-based specialists anytime, every day of the year.

  • Effortless Integrations: Connect payments to QuickBooks, ACH, email invoicing, and reporting tools to save time and reduce manual work.

  • Trusted and Accredited: An A+ BBB-rated provider with a long-standing reputation for reliability.

  • Registered ISO Partner: Host Merchant Services is an authorized Independent Sales Organization of Wells Fargo Bank, N.A.

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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

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

PayAnywhere Mobile Swipe & EMV Card Reader

✓ A free mobile credit card reader and app

✓ Pricing as low as 2.69% per swipe

✓ EMV acceptance

PayAnywhere Storefront Countertop Solution

✓ A free tablet, stand with built-in reader, and app

✓ Pricing as low as 1.69% per swipe

✓ Bluetooth connectivity

✓ Detailed, real time analytics

POS Solutions for Every Business

Restaurants & Bars

Speed up service and accuracy from tableside to kitchen, while offering flexible tipping and payment options.

  • Handheld Tableside Ordering

  • Kitchen Printing & Display Systems

  • Modifiers, Combos & Upsells

  • Bar Tabs & Split Checks

Retail
Keep inventory precise and locations aligned while simplifying daily operations.

  • Barcode Scanning & Label Printing

  • Low-Stock Alerts & Cycle Counts

  • Purchase Orders & Vendor Management

  • Multi-Location Inventory

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Mobile & Field Services

Manage appointments, take payments on the go, and keep customers informed—perfect for salons, trades, repair teams, home services, and professional practices.

  • Mobile Readers for Chip, Tap, and Swipe

  • Quick-Approval Invoices & Estimates

  • Cards on File for Faster Repeat Billing

  • SMS & Email Payment Links

  • Appointment & Staff Scheduling

Online & Phone Payments

Expand sales beyond the counter with secure online checkout and MOTO (mail/phone) options while keeping inventory and reporting synchronized across all channels.

  • Virtual Terminal for Keyed/Phone Orders

  • Hosted Checkout & Payment Gateway Options

  • One-Time and Recurring Invoices

  • QR Codes, Payment Links, & “Buy” Buttons

  • Tokenization with AVS/CVV for Fraud Protection

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.