About RMS Hawaii
About Us
Real Merchant Services Hawaii is a local merchant services company built to help local businesses save money. We bring nationwide payment technology and customized business solutions to merchants across all Hawaiian Islands, through representatives who live and work here.
Who We Are
Real Merchant Services is a leading payments technology company delivering innovative software and services to our customers nationwide. Our technologies, services, and employee expertise enable us to provide a broad range of solutions that allow our customers to operate their businesses more efficiently and at a lower cost.
Real Merchant Services has established ourselves as a leader in the payments industry with the focus of customer service at our core.
Our Mission
Real Merchant Services' mission is to be the nation's leading merchant services provider that empowers our merchants to increase their financial well-being. Our superior service, array of innovative payment technology, dedicated staff and customized business solutions are the driving force behind this mission.
Best Partner For Merchants
RMS is dedicated to providing all of our merchants with reliable payment processing that is secure and simple to use. Our merchants spend more time investing in their business and less time worrying about payment solutions and training employees on payment processing devices. From payment processing terminals, to e-commerce solutions, and complete point of sale systems, RMS strives to offer only the best solutions backed by high-quality customer service.
When our merchants need assistance, they have access to our customer service team 24/7/365. Our team understands how important your business is and any issue is met by one of our live customer service representatives based entirely in the United States.
Building a Strong Team
We believe that life is simply too short for the wrong job. You deserve a career that is rewarding and a company that is as dedicated to your success as you are.
Whether you are interested in joining Real Merchant Services as an employee or becoming involved in our ISO Agent program, you will receive the same concern, respect, and caring attitude that we offer all our merchants.
Become A
Merchant
We provide businesses of all types with payment processing and point of sale systems. We use straightforward pricing, no contracts or obligations, and fantastic customer service making us the last merchant services company you will ever need.
Get My Free Savings ProposalNo Term Commitment
Our excellent customer service and low rates retain customers, not our contracts. Cancel anytime free of charge.
24/7/365 Customer Service
We are always here for you with access to industry-leading customer service 24 hours a day — 7 days a week — 365 days a year.
Point of Sale
We offer state of the art POS systems for every type of business. From retail to restaurants and everything in between.
No Upfront or Hidden Fees
No application fees and no hidden charges.
Lifetime Rates
Experience the freedom of locked-in rates that will not increase over time.
Eliminate Your Processing Fees
Our swipe-less program allows merchants to pass their credit card processing fees on to the customer, increasing their net profit overnight.
We Check All The Boxes
Swiped transaction rate
- RMS
- IC .30 + 10¢
- Square
- 2.6% + .10¢
- Stripe
- n/a
- PayPal
- n/a
- Quickbooks
- 2.9% + .25¢
- Braintree
- n/a
- Shopify
- 2.9% + .30¢
Keyed transaction rate
- RMS
- IC .30 + 30¢
- Square
- 3.5% + .15¢
- Stripe
- 2.9% + .30¢
- PayPal
- 2.9% + .30¢
- Quickbooks
- 3.4% + .25¢
- Braintree
- 2.9% + .30¢
- Shopify
- 2.9% + .30¢
Next day funding
- RMS
- Yes
- Square
- No
- Stripe
- No
- PayPal
- No
- Quickbooks
- No
- Braintree
- No
- Shopify
- No
Personal account manager
- RMS
- Yes
- Square
- No
- Stripe
- No
- PayPal
- No
- Quickbooks
- No
- Braintree
- No
- Shopify
- No
24/7 local support
- RMS
- Yes
- Square
- No
- Stripe
- No
- PayPal
- No
- Quickbooks
- No
- Braintree
- No
- Shopify
- No
Rate matching / negotiable
- RMS
- Yes
- Square
- No
- Stripe
- No
- PayPal
- No
- Quickbooks
- No
- Braintree
- No
- Shopify
- No
Competitor rates shown are published list rates and are subject to change. IC = interchange.
What is Swipe-Less?
Hate paying processing fees? Leave them behind.
Swipe-less is a payment processing program that provides merchants with the ability to eliminate credit card processing fees. Choose 1 of 2 program options:
- 01
True Cash Discount
This program allows you to offer a discount to customers who pay with cash. A 4% non-cash adjustment is added to all credit and debit card transactions. Rather than raising prices for all purchases you can reward customers for paying with cash and remove your credit card processing fees.
- 02
Surcharging
Surcharging passes the processing fee on to the customer for all credit card transactions. If a customer chooses to pay with a debit card there is no fee assessed on the transaction and the business owner pays the debit card fee. This program gives customers a no-fee electronic payment option while still removing the largest portion of fees the business owner pays.
Why Join?
Save Money
Pay $0 on credit card processing fees and only pay a small monthly program fee. In addition, one-time equipment fees may apply on compatible equipment you don't already own. Contact us for details.
Next Day Funding
Don't wait long to get paid. Our standard processing terms include next day funding for all approved merchants.
No Hidden Fees
It's not uncommon for processors to mislead merchants. Our program is straightforward so there are never any surprises on your monthly statement.
Reward Customers
Customers who pay with cash get rewarded with a true cash discount.
Local relationships
You work with a representative located in Hawaii who can meet you where you do business.
Transparent guidance
We explain what each line on your statement means before we recommend anything.
Customized solutions
Recommendations are shaped by your industry, transaction mix, and day-to-day workflow.
Long-term merchant support
The relationship continues after implementation, not just through the sale.
Serving All the Hawaiian Islands
- 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
Real Merchant Services Hawaii is a local representative of Real Merchant Services. It is not presented as a separate processor, bank, or legal entity.
This map shows our service area, not physical offices on every island.
Talk to a local representative
Zeke Hanohano · Real Merchant Services Agent