Is “free processing” the same as surcharging?

Name: Host Merchant Services - Credit Card Processing and Point of Sale for Small Business
Address: 250 Corporate Blvd L, Newark, DE, 19702
Telephone: +1 302-224-9837
Price range: $$

HMS positions the no-cost program as a cash-discount/dual-pricing model, which differs from surcharging in how prices are presented and discounted for cash/check.