Every channel
Accept payments however your customers want to pay.
Online, in-person, mobile, or over the phone, one platform covers every channel with a single ledger, a single fee schedule, and a single settlement. Cards from every major network, Tap to Pay on any smartphone, wallets, invoices, links, a virtual terminal, ACH, and recurring billing.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 12+
- Channels on one account
- 135+
- Payment methods
- 1
- Ledger and settlement for everything
- 0
- Hardware required to start
What Payment Channels gives you
Online checkout
Hosted checkout, embedded components, and an open REST API.
Tap to Pay
Turn any iPhone or Android phone into a terminal. No reader, no hardware, no waiting for shipping.
Digital wallets
Apple Pay, Google Pay, and local wallets, enabled by default across web, app, and in-person.
Invoices and payment links
Branded invoices, shareable links, and email-to-pay. Get paid without building a checkout.
Virtual terminal and phone
Key in card details for phone and mail orders with built-in fraud scoring and 3-D Secure.
ACH and bank transfers
Low-cost bank debits for B2B and high-ticket payments, with same-day settlement options.
Start using Payment Channels today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
One account, every channel
Enable channels from your dashboard or API. No separate merchant accounts or contracts.
- 02
Unified customer records
A customer who pays in store and online is one customer, with one payment history and saved methods.
- 03
One settlement, one report
Every channel settles to the same ledger with the same fee schedule, so reconciliation is trivial.
Unified commerce without the integration tax
Most businesses that sell in more than one place end up with more than one processor: one for the website, one for the counter, one for invoices. Each has its own fees, its own settlement timing, and its own reporting. HL Hunt collapses all of that into one account with one ledger, so the question "how much did we make today" has exactly one answer.
Because every channel shares customer records and saved payment methods, you can offer experiences that siloed processors cannot: buy online and return in store, start a subscription at the counter, or send an invoice for the balance on a partial payment.
What changes
HL Hunt vs a typical processor for Payment Channels
| HL Hunt | Typical processor | |
|---|---|---|
| Payment Channels | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Payment Channels is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Payment Channels is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Payment Channels today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Payment Channels FAQ
Do I need separate accounts for online and in-person?
No. One HL Hunt account covers every channel with the same pricing and settlement.
Do I need to buy a card reader?
No. Tap to Pay works on any NFC-enabled iPhone or Android phone. Optional readers are available for high-volume counters.
Can I take payments over the phone?
Yes. The virtual terminal lets you key in card details securely, with fraud scoring and optional 3-D Secure.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.