Hawaii's economy is uniquely driven by tourism — more than 10 million visitors annually generate billions in revenue for hotels, restaurants, retail shops, tour operators, and activity providers across Oahu, Maui, Kauai, and the Big Island. The state's military presence provides additional economic stability, while a growing technology and renewable energy sector is diversifying Hawaii's economic base beyond its traditional tourism foundation.

Most merchant services providers in Hawaii are locked into one or two processors, often without the local understanding to serve Hawaii's unique business environment. CyoGate works differently — with relationships spanning dozens of processors worldwide, we negotiate on your behalf to find the best rates for your specific Hawaii business, from a Waikiki resort to a Maui snorkeling tour operator.

Hawaii's tourism-dominated economy means a large percentage of transactions are from out-of-state and international cardholders — which affects interchange rates and fraud risk profiles. CyoGate specializes in helping Hawaii businesses optimize their processing for tourist-heavy transaction mixes.

Some of the top spots to visit in Hawaii include Hawaii Volcanoes National Park on the Big Island, Pearl Harbor National Memorial in Honolulu, Haleakala National Park on Maui, the Na Pali Coast on Kauai, and Waimea Canyon State Park. One thing they all have in common is they accept credit cards -- contact us today to accept credit cards in Hawaii.

Bottom line: CyoGate can lower the credit card processing rates of almost any business in Hawaii.