Payment methods · Cards
Every major card. One rate card.
Accept Visa, Mastercard, American Express, Discover, JCB, and UnionPay online, in person, and over the phone. Network tokens, adaptive 3-D Secure, and AI routing lift approvals while published rates keep costs predictable.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 2.99% + $0.30
- Online, published
- 0.8 s
- Authorization time
- 6
- Networks accepted
- Same day
- Settlement
What you get with Credit & Debit Cards on HL Hunt
All networks, one agreement
Visa, Mastercard, Amex, Discover, JCB, and UnionPay with no separate Amex application.
Network tokens
Automatic card updates and higher approval rates for stored credentials.
Adaptive 3-D Secure
Liability shift without friction for good customers.
Card-present and card-not-present
Tap to Pay, readers, hosted checkout, and virtual terminal on one account.
Level 2/3 data
Lower interchange on commercial cards automatically.
Interchange transparency
See network and interchange fees itemized per transaction on the ledger.
Turn on Credit & Debit Cards in minutes.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Enable
Cards are enabled on every account at signup. No network-specific applications.
- 02
Present at checkout
Hosted checkout, embedded components, Tap to Pay, or the virtual terminal.
- 03
Settle and reconcile
Settlements land same day with fee-level detail on the ledger.
Cards are still the backbone, so we made them better
Cards carry most online and in-person commerce, and the difference between processors is in approval rate, speed, and transparency. HL Hunt routes across acquirers, tokenizes at the network level, and authorizes in 0.8 seconds on average, with every fee itemized.
Published pricing means the rate on this page is the rate on your statement. No tiered or blended surprises.
What changes
HL Hunt vs a typical processor for Credit & Debit Cards
| HL Hunt | Typical processor | |
|---|---|---|
| Credit & Debit Cards setup | Enabled from your dashboard in one click | Separate contract, separate integration |
| 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. Credit & Debit Cards 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
Credit & Debit Cards 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 Credit & Debit Cards 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
Credit & Debit Cards FAQ
Do I need a separate American Express account?
No. Amex is included under your HL Hunt agreement at the same published rate.
What is the in-person rate?
Card-present rates are lower than online rates and published on /pricing.
Are there monthly fees?
No monthly fees, no PCI fees, no statement fees. Usage-based only.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Explore more
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.