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Midnight Payments

Midnight Payments

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions

VS

Host Merchant Services

Online businesses

Host Merchant Services
Fees from
Custom vs Custom
Features

1 shared

4 unique to Midnight Payments · 1 unique to Host Merchant Services
Regions

1 shared

1 unique to Midnight Payments
Pay methods

10 shared

2 unique to Midnight Payments · 6 unique to Host Merchant Services
On settlement

Midnight Payments settles in Next business day; Host Merchant Services settles in Next business day. Verify directly with each provider before signing.

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Show full specs
6 features · 18 payment methods · 2 regions. We don't rank these — they're here for reference.
Midnight Payments Midnight Payments
Host Merchant Services Host Merchant Services
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Next business day
Next business day
Founded
2026
2009
Headquarters
Denver, CO, United States
Newark, Delaware, United States
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Midnight Payments leads (5 vs 2)
Enterprise Unique
—
✓
High Risk Accepted Unique
✓
—
Low Fees Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Host Merchant Services leads (16 vs 12)
Ach
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
✓
—
Diners Unique
—
✓
Discover
✓
✓
Echeck
✓
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Nfc Unique
—
✓
Paypal Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
Midnight Payments leads (2 vs 1)
Global Unique
✓
—
North America
✓
✓

Midnight Payments is best when you...

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions
Need High Risk Accepted
Not available with Host Merchant Services
Need Low Fees
Not available with Host Merchant Services
Want coverage in Global
Host Merchant Services doesn't cover this region
View Midnight Payments

Host Merchant Services is best when you...

Online businesses
Need Enterprise
Not available with Midnight Payments
View Host Merchant Services

Frequently Asked Questions

What is the difference between Midnight Payments and Host Merchant Services?
They share 10 payment methods and 1 region. Midnight Payments adds Digital Wallet, Virtual Card that Host Merchant Services does not list; Host Merchant Services adds Contactless, Diners Club, JCB and 3 more that Midnight Payments does not list; Midnight Payments also covers Global; only Midnight Payments offers High Risk Accepted, Low Fees and 2 more.
Which is cheaper, Midnight Payments or Host Merchant Services?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Midnight Payments and Host Merchant Services?
Midnight Payments lists 2 regions and 12 payment methods; Host Merchant Services lists 1 and 16. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Midnight Payments and Host Merchant Services compare on integration and settlement?
Host Merchant Services offers a sandbox, Midnight Payments does not list one; both support webhooks; Midnight Payments settles in Next business day, Host Merchant Services in Next business day.

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