In this investigative review of Host Merchant Services, we’ll discuss the company’s card processing services, rates, fees, contract, and customer feedback. We’ll evaluate how transparent their pricing is, the quality of their customer support, and how satisfied their clients feel overall. By the end, you’ll have a clear idea of what Host Merchant Services provides and if their payment processing is a good fit for your business.
About Host Merchant Services
Host Merchant Services is a Newark, Delaware-based merchant account provider that serves a variety of business types. Company founder and CEO Lou Honick got his start in the web hosting industry by launching, owning, and operating HostMySite.com from 1997 until its acquisition by a private equity firm in 2008. One year later, he founded Host Merchant Services, which has become one of the top-rated merchant services providers on CPO.
Host Merchant Services Homepage
Host Merchant Services Products and Services
Payment Processing
Host Merchant Services provides an extensive range of payment processing solutions tailored to a variety of business types. Their services support all major debit and credit cards.
EMV Card Readers and Swipers
For businesses requiring secure transaction methods, Host Merchant Services offers EMV card readers and swipers. These devices adhere to the latest security standards, helping protect against fraud and unauthorized transactions.
POS Solutions
The company’s POS (Point of Sale) solutions include popular systems such as Clover, Vital POS, and SwipeSimple.
Mobile Solutions
Host Merchant Services also caters to businesses on the move with their mobile solutions. These solutions enable payments to be accepted on the go, which is ideal for non-traditional business settings like food trucks, pop-up shops, and mobile service providers.
Payment Gateways and Virtual Terminals
For online transactions, Host Merchant Services provides payment gateways and virtual terminals. These tools facilitate secure and seamless e-commerce transactions, allowing businesses to process payments through their websites efficiently.
e-Commerce Solutions
Their e-commerce solutions integrate tailored payment systems for online retailers, ensuring a smooth and secure checkout experience for customers. T
Cash Discounts and Advance Programs
Host Merchant Services offers cash discount and advance programs. These programs provide businesses with financial flexibility and incentives for customers to use cash, potentially reducing processing costs and improving cash flow management.
EBT Processing
Host Merchant Services also supports EBT (Electronic Benefit Transfer) processing. This service enables businesses to accept payments from government-issued benefits cards, which is particularly beneficial for grocery stores and retailers serving diverse customer bases.
Gift and Loyalty Programs
To enhance customer engagement and retention, Host Merchant Services provides gift and loyalty programs. These programs are designed to attract and retain customers by offering incentives and rewards for repeat business.
Host Merchant Services Customer Reviews
Customer Reviews Summary
Total Online Complaints
<10
Live Customer Support
Yes
Most Common Complaint
N/A
Recent Lawsuits
No
Positive Customer Feedback
Our investigation found no major complaints about Host Merchant Services, which suggests that their in-house customer support is effective. While some issues were raised, like account denials or hardware problems, these are small compared to the mostly positive feedback. One recent comment mentioned unclear rates and unexpected equipment leases, but this seems to be a rare case among many good reviews.
Host Merchant Services Lawsuits
No lawsuits or FTC complaints have been lodged against Host Merchant Services.
Host Merchant Services Customer Support Options
Our investigation found no significant complaints about Host’s support channels, indicating that their in-house customer support is effective. The company offers 24/7 customer service, and promotes a dedication to promptly addressing client needs.
Host Merchant Services has been an accredited business of the Better Business Bureau since 2011 and currently holds an “A” rating. The company’s BBB profile shows 3 complaints in the past 36 months. Considering the low complaint total and resolution rate, we agree with the BBB’s rating at this time.
Trust Pilot Rating
Of 48 reviews for Host on Trust Pilot, the majority are positive and praise the company’s customer service and low pricing.
I’ve used HMS for my credit card and e-check processing for more than 10 years. I’ve so rarely needed to contact them about my account, because everything always just works. I sincerely appreciate not getting bombarded with meaningless email marketing and correspondence pushing for upgrades. They’ve made my life easy by being consistently “up”. This is one of my few vendors I can rely on to automatically work for my business 24/7.
Today was one of the very few times I’ve ever needed to communicate with the company, and associate Caleb was able to get me what I needed in a phone call lasting less than 10 minutes – what a time saver! -Jeremy Jensen 8/282024
Consumer Affairs Rating
Customer reviews on Consumer Affairs mirror that of Trust Pilot, with 123 submissions that are mostly testimonials.
I had the good fortune to speak with Chris who I think is the sales manager there. I was surprised the sales manager would work with a smaller company like mine, but he said that’s just how they do business. I might have been a little skeptical at first, but I’ve had a lot of bad experiences with credit card companies. I switched to save money, which I did, but I also wanted better service. Host Merchant answers the phone when I call and the people are good at their jobs. I did have one call that was a little confusing and I wasn’t too happy, but I talked to Chris and he fixed things up super fast. What more can I ask for? I read a lot of reviews about HMS before I signed up and they do seem to live up to their reputation.
Host Merchant Services Fees, Rates & Contract
Rates & Fees Summary
Processing Rates
Interchange-plus
Cancellation Penalties
No
Monthly & Annual Fees
Low
PCI Compliance Fee
None
Hardware Fees
Optional
Month-to-Month Contract, No Termination Fee
Host Merchant Services offers interchange-plus pricing with no early cancellation fees and a low monthly fee of $10.
Retail, Restaurant, and E-Commerce Pricing
Host Merchant Services tailors its transaction rates to different business types: retail at interchange plus 0.25% and $0.10, restaurants at interchange plus 0.20% and $0.09, and e-commerce at interchange plus 0.35% and $0.10. They also offer high-risk merchant accounts with pricing based on the specific business type and processing history. It’s beneficial for readers to compare these rates with other top merchant accounts.
Hardware Fees
Host offers various processing hardware options from mobile card reader to full POS systems. Some hardware options may require additional monthly fees for maintenance or cell service capability for mobile transactions. Most of these fees appear to be under $10 per month.
Host Merchant Services employs both W2 sales agents and independent contractors, and we found only one negative review mentioning the sales team. This lack of complaints indicates that their reps are likely well-trained, with clear expectations set for job duties and earnings. Online employee reviews generally reflect a positive work environment, with many highlighting the support and training provided by the company. Employees often praise the transparent commission structure, but some note that success may depend heavily on individual sales performance. Overall, the feedback suggests a mostly supportive and fair workplace for salespeople.
Host Merchant Services Review Summary
Host Merchant Services stands out as a top-rated credit card processing provider, earning positive feedback on consumer protection platforms. Their use of the interchange-plus pricing model promotes transparency, helping businesses better understand transaction costs. Despite the high ratings, clients should always carefully review contracts to avoid hidden terms. By comparing details with other processors and understanding the fine print, businesses can ensure they get the best value, meet their payment processing needs, and manage costs effectively.
Contact Host Merchant Services
Contact & Customer Support
CEO and Founder
Lou Honick
Headquarters
250 Corporate Blvd., Suite L, Newark, Delaware 19702
Please note that we only suggest providers that adhere to strict ethical standards and offer top performing support at extremely competitive pricing. We may earn revenue if choose one of our recommendations.
Reader Comments, Testimonials & Complaints
15 User Reviews
MELINDA WEIGT
We have been using SquareUp for several years, with no complaints. They recently increased their rates to be more competitive. We “shopped” around to ensure we would still be getting a great deal, and found this site very helpful to confirm that! Their site is easy to use, offers reports and easy to upload, etc. They’re changing rates to 2.65% swiped plus 10cents per trans.
Clyde Washburn
We have have switched our Church to this Merchant Provider and have found their fees, service and courtesy to be exemplary at every level.
Trustee & IT Manager, P.O.M.O G. Orthodox Church
Mike S
I have worked with HMS for a few years now and they have been not only responsive, but they connect with clients on a personal level. Rates are better than any other option we can offer our clients and the application process is painless and fast! Thanks HMS!
Michael Cardascia
I have been using Host Merchant Services at my restaurant for 2 years. The customer support is outstanding and I would highly recommend them to any business.
Chris Bath
I have used host for a few years now and I have to say it is far superior to my previous hosting company. Low rates on processing and the customer service has been outstanding.
CPO
Hi Chris,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Allison Jones
Host Merchant Services has handled my restaurant’s payment processing for a few years now. I switched over because they were able to lower the rates and fees I was paying to save me quite a bit each month. After processing with them, I realized that other company’s customer service and support cannot compare to theirs. When I need help with something, I give them a call and have a real person on the phone in about 10 seconds. They are a great company to work with, and I’d recommend them to any business owner.
CPO
Hi Allison,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
michael
Waste of time. Their response to our application was, Unfortunately I could not get this pre approved. Your score does not qualify for further consideration”
What is that based on? We are over a million dollar business and do not qualify. I question the ratings here.
Carina Cooper
Hugo helped me over the phone today.I found him very personable,and professional.He took care of the professional request that I needed in a timely manor.It is refreshing to talk to a pleasant representative who seemed happy to help.Thank you Hugo!
CPO
Hi Carina,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Terry Gruchacz
I started applying for a merchant account with Host Merchant Services on July 30, 2015. After a reminder on August 11th that I was still interested, the account manager finally sent me an application. I completed it and e-mailed on August 14th. The account manager then asked for more info on the 14th. I collected it and e-mailed it on the 19th. Today, August 28th, I had to remind the account manager I was waiting for a reply or anything saying he had received my e-mail. He got back to me and wrote Host Merchant Services could not take my account because my credit card volume was too low.
The reason I am putting in a complaint is they dragged out the whole procedure when they could have told me on the 14th, when I e-mailed the original application, my volume was too low.
Joel Thomas
Great merchants account providers are hard to come by. Finding one that can not only suit your needs but also provide top class support is another.
We’re proud to have partnered with Host Merchant Services. This is a company that places great emphasis on customer service and are always there to help. We recommend HMS to the people we care about the most because there’s no question they’ll deliver!
William Brown
Host Merchant Services are in my opinion the way to accept credit/debit cards if you want the “personal touch” Our business has been associated with many different credit card processors in our 20+ years in business, and HMS has been the only one with a local representative that is consistently available when you need her. They also provide quicker deposits of transactions with lower fees. We unequivocally recommend Host Merchant Services.
Ryan German
Host Merchant Services has first rate unparalled customer service. Local office and direct cell phone numbers for tech support in addition to the standard 24-hr toll free. I especially like their web based processing solution to process cards not present for our phone orders and catering jobs. Rates are very competive (we have saved money processing with Host Merchant) and Host Merchant has also supplied us with wireless terninals we use to process cards at fairs, festivals, offsite and special events. Little extras (like free thermal paper) are a nice bonus.
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MELINDA WEIGT
We have been using SquareUp for several years, with no complaints. They recently increased their rates to be more competitive. We “shopped” around to ensure we would still be getting a great deal, and found this site very helpful to confirm that! Their site is easy to use, offers reports and easy to upload, etc. They’re changing rates to 2.65% swiped plus 10cents per trans.
Clyde Washburn
We have have switched our Church to this Merchant Provider and have found their fees, service and courtesy to be exemplary at every level.
Trustee & IT Manager, P.O.M.O G. Orthodox Church
Mike S
I have worked with HMS for a few years now and they have been not only responsive, but they connect with clients on a personal level. Rates are better than any other option we can offer our clients and the application process is painless and fast! Thanks HMS!
Michael Cardascia
I have been using Host Merchant Services at my restaurant for 2 years. The customer support is outstanding and I would highly recommend them to any business.
Chris Bath
I have used host for a few years now and I have to say it is far superior to my previous hosting company. Low rates on processing and the customer service has been outstanding.
CPO
Hi Chris,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Allison Jones
Host Merchant Services has handled my restaurant’s payment processing for a few years now. I switched over because they were able to lower the rates and fees I was paying to save me quite a bit each month. After processing with them, I realized that other company’s customer service and support cannot compare to theirs. When I need help with something, I give them a call and have a real person on the phone in about 10 seconds. They are a great company to work with, and I’d recommend them to any business owner.
CPO
Hi Allison,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
michael
Waste of time. Their response to our application was, Unfortunately I could not get this pre approved. Your score does not qualify for further consideration”
What is that based on? We are over a million dollar business and do not qualify. I question the ratings here.
Carina Cooper
Hugo helped me over the phone today.I found him very personable,and professional.He took care of the professional request that I needed in a timely manor.It is refreshing to talk to a pleasant representative who seemed happy to help.Thank you Hugo!
CPO
Hi Carina,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Terry Gruchacz
I started applying for a merchant account with Host Merchant Services on July 30, 2015. After a reminder on August 11th that I was still interested, the account manager finally sent me an application. I completed it and e-mailed on August 14th. The account manager then asked for more info on the 14th. I collected it and e-mailed it on the 19th. Today, August 28th, I had to remind the account manager I was waiting for a reply or anything saying he had received my e-mail. He got back to me and wrote Host Merchant Services could not take my account because my credit card volume was too low.
The reason I am putting in a complaint is they dragged out the whole procedure when they could have told me on the 14th, when I e-mailed the original application, my volume was too low.
Joel Thomas
Great merchants account providers are hard to come by. Finding one that can not only suit your needs but also provide top class support is another.
We’re proud to have partnered with Host Merchant Services. This is a company that places great emphasis on customer service and are always there to help. We recommend HMS to the people we care about the most because there’s no question they’ll deliver!
William Brown
Host Merchant Services are in my opinion the way to accept credit/debit cards if you want the “personal touch” Our business has been associated with many different credit card processors in our 20+ years in business, and HMS has been the only one with a local representative that is consistently available when you need her. They also provide quicker deposits of transactions with lower fees. We unequivocally recommend Host Merchant Services.
Ryan German
Host Merchant Services has first rate unparalled customer service. Local office and direct cell phone numbers for tech support in addition to the standard 24-hr toll free. I especially like their web based processing solution to process cards not present for our phone orders and catering jobs. Rates are very competive (we have saved money processing with Host Merchant) and Host Merchant has also supplied us with wireless terninals we use to process cards at fairs, festivals, offsite and special events. Little extras (like free thermal paper) are a nice bonus.