Local payment solutions for Hawaii businesses
KEEP MORE OF EVERY SALE.
Stop overpaying for payment processing.
Real Merchant Services Hawaii helps local businesses uncover hidden processing costs and explore payment solutions designed to reduce expenses and simplify operations.
Local Hawaii representatives • Customized payment solutions • Transparent statement review
Actual savings depend on your current processing activity, pricing, business type, and program eligibility.
One clear path
A transparent statement review and a customized savings proposal
Your processor gets paid on every transaction. Do you know exactly how much?
- 01
Processing fees keep increasing
- 02
Statements are difficult to understand
- 03
Unexpected or hidden charges appear
- 04
Customer support is slow or impersonal
- 05
Your POS no longer fits your business
- 06
You are unsure what you actually pay
- 07
Your current provider has not reviewed your account
- 08
You want a local representative who understands Hawaii
Mainland-Level Technology. Hawaii-Based Relationships.
Real Merchant Services Hawaii combines modern payment technology and nationwide processing resources with representatives located here in Hawaii. We take time to understand how your business operates, review your current processing costs, and recommend solutions that fit your needs.
- Representatives located in Hawaii
- Service for businesses across the Hawaiian Islands
- Personalized statement and cost review
- Solutions tailored to your industry
- Help understanding fees and pricing
- Ongoing relationship after implementation
- Access to U.S.-based customer support resources
We work with merchants across the islands. This map shows our service area, not physical offices on every island.
Three Steps. No Obligation.
- 01
Share Your Statement
Provide a recent merchant-processing statement through a secure follow-up process.
- 02
We Analyze the Costs
We review your processing volume, transaction costs, monthly charges, and overall effective rate.
- 03
See Your Options
Receive a customized proposal showing available solutions and potential savings.
Complimentary • No obligation • Customized for your business
Please do not send merchant statements through the website form. We collect your contact information first and then arrange a secure statement-submission method.
Built Around How You Get Paid
In-Person Payment Processing
EMV chip, tap-to-pay, contactless NFC, swipe, debit, and compatible digital wallets.
Point-of-Sale Systems
Customized POS configurations for restaurants, retail, service businesses, and other industries.
Online and E-Commerce Payments
Payment acceptance for websites and online stores.
Virtual Terminal
Process card-not-present transactions without a traditional physical terminal.
Invoicing and Payment Links
Send invoices or payment links so customers can pay remotely.
Recurring Billing
Support repeat and subscription-style payments where appropriate.
Mobile Payments
Accept eligible payments away from a traditional checkout counter.
Dual Pricing and Cash Discount Options
Present cash and card pricing clearly through a properly configured program.
Traditional Processing
Transparent processing options for businesses that prefer a conventional pricing structure.
Business Reporting and Insights
Tools to help merchants understand sales, payments, and business performance.
PCI and Payment Security Support
Available PCI-compliance and chargeback-support resources. No provider can prevent all fraud or chargebacks.
Integrations
Schedule a consultation to review compatibility with your existing software, website, or business tools.
Let Customers Choose How They Pay
Dual pricing displays a cash price and a card price, allowing customers to choose their preferred payment method. When appropriately structured and implemented, it may help a business offset a significant portion of card-processing costs.
Dual pricing is not simply adding an undisclosed fee at checkout, and it is not the same thing as a cash discount program or a surcharge. Implementation may require proper signage, clear disclosure, correct terminal configuration, accurate receipts, employee training, and compliance with card-network rules and applicable law.
See If Dual Pricing Fits My BusinessCash price
$10.00
A customer paying with cash receives the posted cash price.
Card price
$10.35
A customer paying with a card pays the clearly disclosed card price.
Illustration only. Program availability, structure, and potential savings depend on business type, transaction mix, card-network requirements, and applicable law. Real Merchant Services Hawaii will review available options with each merchant. Nothing on this website constitutes legal or tax advice.
A Local Advisor, Not a Call Center Queue
Local Hawaii Representative
Work with someone based here who can meet you at your business.
Complimentary Cost Analysis
A no-obligation review of your current statement and effective rate.
Customized Payment Solutions
Recommendations shaped around how your business actually operates.
Clearer Pricing and Reporting
Plain-language explanations of the charges on your statement.
Modern POS and Payment Technology
Current terminal and point-of-sale options, subject to program terms.
No Cookie-Cutter Recommendations
We only recommend what fits your industry and transaction mix.
U.S.-Based Support Resources
Access to U.S.-based customer support resources where offered.
Month-to-Month Options
Month-to-month arrangements are available for some programs.
Next-Day Funding
Next-day funding is available where approved and subject to cutoff times.
Secure, PCI-Conscious Solutions
Solutions built with PCI requirements in mind, subject to merchant responsibilities.
Built Around the Way Hawaii Does Business
Real Merchant Services provides payment technology and customized business solutions designed to help merchants operate more efficiently. Real Merchant Services Hawaii brings those resources to local businesses through representatives who live and work in Hawaii.
- Local relationships
- Transparent guidance
- Customized solutions
- Long-term merchant support
Payment Processing Questions, Answered
The questions Hawaii business owners ask most before requesting a savings proposal.
Let's Find Out What You Could Be Saving
Share a few details and a Hawaii-based representative will reach out to review your processing costs and next steps.