Partnership
We never shut down your processing account.
Legacy processors freeze funds and terminate merchants with an automated email. HL Hunt believes in partnership and transparency: underwriting is done right up front, so you are approved before your first charge, not after. No surprise reserves, no frozen funds, no automated terminations.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 100%
- Underwriting completed before first charge
- 0
- Automated terminations
- 24/7
- Human risk team on call
- Same day
- Payouts, no holds
What Merchant Promise gives you
Underwriting up front
We review your business before you go live, so there is no surprise review after your best sales day.
No frozen funds
Your settlements are your money. We do not hold balances hostage while a bot "reviews" your account.
No surprise reserves
If a reserve is ever required for your risk profile, it is disclosed and agreed before you sign, never imposed later.
Humans, not bots
Every risk decision is made by a person you can talk to. Our risk team is reachable 24/7.
Transparent pricing
Every price is published on /pricing. The price on the page is the price on the invoice.
Fair-use for every vertical
We work with industries other processors avoid, with clear acceptable-use terms agreed in writing.
Start using Merchant Promise today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Apply
Tell us about your business, volume, and products. Most applications are reviewed within one business day.
- 02
Get approved with terms in writing
Your rates, settlement schedule, and any risk terms are agreed before your first transaction.
- 03
Process with confidence
Scale without fear. If anything about your risk profile changes, a human calls you first.
Why processors shut merchants down, and why we do not
Self-serve processors approve everyone instantly and underwrite later, usually by algorithm, usually after volume spikes. That model is cheap for the processor and devastating for the merchant: funds frozen for 90 to 180 days, a terminated account, and a listing on the MATCH list that makes it hard to get processing anywhere.
HL Hunt inverts the model. We invest in understanding your business before you go live. It takes a little longer than an instant signup, but it means your account is stable by design. When we say your account will not be shut down, we mean we have already done the work that makes that promise possible.
We are a registered Money Services Business with FinCEN, PCI DSS Level 1 certified, and operate under NMLS ID 2759282. Our compliance is not outsourced to a model that terminates on anomaly; it is a team that knows your name.
What changes
HL Hunt vs a typical processor for Merchant Promise
| HL Hunt | Typical processor | |
|---|---|---|
| Merchant Promise | 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. Merchant Promise 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
Merchant Promise 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 Merchant Promise 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
Merchant Promise FAQ
What if my volume suddenly increases?
Growth is good news. Because we underwrite your business model up front, volume increases within your approved profile require no review. For large step-changes, a human reaches out to raise your limits.
Do you work with high-risk industries?
Yes, for many verticals. See our High-risk Merchants page for details. Terms are always disclosed and agreed in writing.
What if a dispute rate rises?
The Dispute and Fraud agents help keep rates low. If rates rise, our risk team works with you on a plan rather than sending an automated termination.
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.