The most expensive number at this conference — and it isn't yours.
Nobody switches processors over three basis points. They switch because someone walked in with the scheduling system, the online booking, the invoicing, the donor database, the time clock — and didn't charge for any of it.
Once that software is running the front desk, the processing underneath it stops being a line item and starts being plumbing. The merchant isn't shopping you anymore. They can't. Ripping out the payment stack now means retraining staff and rebuilding a schedule.
That's the whole trick. And it is being run on your portfolio right now by people who are not better salespeople than you.
Free isn't a discount. It's a switching cost — installed at your competitor's expense.
Here is the part that matters to an agent: giving the software away costs the ISO almost nothing, because the residual pays for it. The software is not the product. It is the reason the merchant never takes another call.
Host Merchant Services built thirteen of them.
Vertical software, built by HMS, given to HMS merchants. No monthly fee, no per-seat charge, no setup. You monetize the processing — the way the merchant's current software vendor already does, except they're also charging for the software.
| Product | Who it's for | What they pay today | With HMS |
|---|---|---|---|
| CloudStudioManager | Yoga, pilates, dance, fitness studios | Mindbody · $139–$700+/mo | $0 |
| CloudHealthcareManager | Medical, dental, veterinary practices | Practice mgmt · quote only | $0 |
| CloudBookingManager | Anyone who books appointments | Calendly · $12–$20/seat/mo | $0 |
| CloudEventManager | Venues, catering, private events | Tripleseat · quote only | $0 |
| CloudRentalManager | Property managers and landlords | varies | $0 |
| CloudDonorManager | Nonprofits and faith organizations | varies | $0 |
| CloudJobManager | Contractors and field service | varies | $0 |
| CloudTimeManager | Any merchant with hourly staff | Time & attendance · varies | $0 |
| CloudSocialManager | Local brands running their own social | varies | $0 |
| CloudMailManager | Email marketing and campaigns | varies | $0 |
| CloudVoice | Business phone and VoIP | varies | $0 |
| CloudRelationshipManager | General-purpose CRM | varies | $0 |
| SALT CRM | Sales pipeline — including yours | varies | $0 |
Named vendor prices are those vendors' publicly listed rates as of September 2026 and are shown for category context only — confirm current pricing before you quote it to a merchant. “Varies” means the category has no single published benchmark; ask us for the current comparison sheet for that vertical.
Put in what your prospect pays for software today. This is the number you lead with — not a basis point.
Over 3 years, at $279/mo across 3 locations. That is money off their P&L on day one — before a single conversation about interchange.
We're at WSAA this week and we're not on the exhibit floor. Fill this in and it opens a pre-written message in your own mail app — you hit send, we come find you. Codes entered here also go in the drawing — a pair of AirPods Pro, drawn Thursday at noon on the final day.