Houston Merchant Services
Compare Credit Card Processing in Houston, TX
Lower rates, a local rep, and a free quote in about a minute. New businesses welcome.
5.0 on Google
RSPA member
Local Houston rep
How it works
Three steps. About a minute to start.
Answer a few questions
Tell us about your business. New or already taking cards, either works.
Get real pricing
A local rep calls within one business day with real numbers. No teaser rates.
Start saving
Like the numbers? Most accounts are approved and running in days.
What we do
Payment processing and merchant accounts for Houston businesses
Lower processing rates
Already taking cards? We compare what you pay now with what you could pay, line by line.
Dual pricing
Show a cash price and a card price, so card customers cover the processing fee.
Credit card terminals and POS systems
Countertop, wireless, and mobile terminals that take tap, chip, Apple Pay, and Google Pay, plus full POS systems for restaurants and retail.
New merchant accounts
Opening a business? With tap-to-pay on your phone, you can be taking cards the same day. Full merchant accounts are usually approved in 1 to 2 business days.
What is dual pricing? Watch the 46-second explainer.
Who we work with
Merchant services for every kind of business
Serving Houston, Katy, Sugar Land, The Woodlands, Pearland, Pasadena, League City, Cypress, Spring, Humble, Baytown, and merchants across Texas.
Your local rep
Meet John
John is based in Houston. He reads your statement himself, explains it in plain English, and stays your contact after you sign. No call center. No getting passed around.
Customer reviews
What Houston merchants say
Rated 5.0 on Google.
Houston Merchant Services helped me with one of my businesses in Houston. I like to give credit where it’s due. I have worked with other merchant providers over the years and it has been a pleasure working with these guys. I’m very happy with the deal I got and the support so far has been great.
I needed a merchant services account setup for my business. I’ve worked with other companies before and I was pleased with the service and they honored the rates on their site. I was able to get a new terminal and got up and running fast. Thanks guys!
I do internet marketing and I needed some help with some e-commerce sites that utilize payment gateways with integrated payment processing, as well as credit card processing for my customers. I have referred HMS to many of my customers. They’ve been great to work with and I highly recommend their services.
Common questions
How much does credit card processing cost in Houston?
It depends on your business type, average sale, and monthly card volume. Tell us a little about your business and we’ll give you real numbers, not a teaser rate.
What is dual pricing?
You show a cash price and a card price. Customers who pay by card cover the fee, so your processing cost drops close to zero. It’s legal in Texas when it’s set up right.
I’m opening a new business. Can you help?
Yes. With tap-to-pay on your phone, you can be taking cards the same day, no hardware needed. Full merchant accounts are usually approved in 1 to 2 business days.
Do you sell POS systems too?
Yes. We’re an authorized Shift4 dealer and an authorized Square and Clover reseller, so we can match the system to your business. If you like your current POS, we can often keep it and just change the processing.
What pricing options do you offer?
Interchange-plus, flat rate, or dual pricing. We’ll show you what each would cost for your business so you can pick the one that saves the most.
Do you work with high-risk businesses?
Yes. We work with higher-risk businesses like smoke and vape shops, CBD, and online sellers, and we’ll find a processor that fits.
How long does it take to switch processors?
Most accounts are approved in 1 to 2 business days and running within a few days after that.
Does it cost anything to get pricing?
No. Pricing is free, and there is nothing to sign until you decide to move forward. Some options have no contract at all.
Get a free merchant services quote.
Free quote. One business day. No obligation.