Local payment solutions for Hawaii businesses
KEEP MORE OF EVERY SALE.
We help Hawaii businesses lower credit-card processing costs.
Send us your processing details. We'll show you what you're paying now, explain it in plain English, and identify whether Real Merchant Services may be able to save your business money.
- ✓ Free analysis
- ✓ No obligation
- ✓ Local Hawaii representative
808-218-1300
Choose your next step
Not ready to switch?
Free processing cost & savings analysis
See exactly what you pay today, in plain English. No cost, no obligation.
See how much I could saveReady to switch?
Apply for merchant services
Start your merchant-services application and let our team help you select the appropriate processing solution for your business.
Apply for merchant servicesCost calculator
How much are processing fees costing your business?
Enter two numbers to estimate what card processing may be costing you right now.
Not sure? Most businesses land somewhere between 2.5% and 4%.
Estimated monthly cost
$1,625
Estimated annual cost
$19,500
Want to know whether RMS may be able to lower this?
Get my free savings analysisCalculator results are estimates for informational purposes only. Actual processing costs and potential savings depend on transaction mix, card types, pricing structure, equipment, processor and other factors.
Free analysis
Your free RMS processing cost analysis
We'll review your current processing costs and help you understand what you're actually paying.
- Your estimated effective processing rate
- Approximate monthly and annual processing costs
- The notable fees showing up on your processing bill
- A review of your current pricing structure
- RMS processing options that may fit your business
- Potential savings opportunities, when applicable
- POS and equipment recommendations, when appropriate
$0
Cost
None
Obligation
No savings amount is promised. What you could save depends on your transaction mix, card types, pricing structure, equipment, and processor.
Your processor gets paid on every transaction. Do you know exactly how much?
- 01
Processing fees keep increasing
- 02
Processing bills 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 cost review
- Solutions tailored to your industry
- Help understanding fees and pricing
- Ongoing relationship after implementation
- Access to U.S.-based customer support resources
Three Steps. No Obligation.
- 01
Share Your Details
Provide your processing details 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
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 processing costs 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 processing bill.
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
Industries
Payment solutions for Hawaii businesses
Different businesses get paid in different ways. Here's what we most often help with.
Restaurants & Bars
Fast checkout, tips, tableside ordering, and equipment that survives a busy service.
Retail
Counter checkout, inventory tracking, and clear pricing at the register.
Salons & Spas
Appointment-friendly checkout, tipping, and card-on-file for repeat clients.
Auto Repair
Larger tickets, invoicing, and payment posted against the repair order.
Contractors & Home Services
Take payment in the field, send invoices, and collect deposits remotely.
Healthcare
Card-on-file for balances, recurring payment plans, and privacy-conscious handling.
Professional Services
Invoices and payment links instead of chasing checks.
Food Trucks
Mobile payment acceptance that works wherever you park.
E-Commerce
Online checkout, a payment gateway, and recurring billing where it applies.
Other Businesses
Not on this list? We'll review how you get paid and what would fit.
Why merchants trust us
A real person, here in Hawaii
Local Hawaii representation
A representative based in Hawaii who can meet you at your business and works on Hawaii time.
Equipment and POS support
Help selecting, configuring, and setting up terminals and point-of-sale systems.
PCI-conscious solutions
Solutions built with PCI requirements in mind. Merchants remain responsible for their own compliance obligations.
Switching to RMS Hawaii was the best decision for our shop. Our processing costs dropped noticeably, and having a local rep who actually picks up the phone makes all the difference.
K. Nakamura
Retail shop, Oahu
The free analysis showed us exactly where we were overpaying. Within a week we were set up with a fair rate and a terminal that just works. No pressure, no surprises.
L. Akana
Restaurant, Maui
I thought switching processors would be a headache. Zeke handled everything and we were up and running fast. Wish we had done it sooner.
M. Silva
Auto repair, Big Island
Dual pricing let us keep more of every card sale without confusing our customers. The setup was simple and our rep explained every step.
J. Kahele
Food truck, Kauai
Example quotes shown while we collect verified customer reviews.
Questions
Payment Processing Questions, Answered
The questions Hawaii business owners ask most before requesting a free analysis.
Contact
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.