Keep more money in local Hawai'i business.
Keep more money in local Hawai'i business.
Our Story & Goal.
Keep Hawai'i Dollars Local is a merchant-led effort focused on reducing unnecessary payment fees and keeping more money circulating in Hawai'i's local economy. We work with small businesses to document real costs, share anonymized data, and identify practical ways to lower fees. The goal is straightforward: more margin for local merchants, more stability for local jobs, and a stronger Hawai'i economy.
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Local Merchants Engaged
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Local Merchants Engaged
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Estimated Annual Fees at Stake
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Estimated Annual Fees at Stake
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Typical Savings Target
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Typical Savings Target
Our Story & Goal.
Keep Hawai'i Dollars Local is a merchant-led effort focused on reducing unnecessary payment fees and keeping more money circulating in Hawai'i's local economy. We work with small businesses to document real costs, share anonymized data, and identify practical ways to lower fees. The goal is straightforward: more margin for local merchants, more stability for local jobs, and a stronger Hawai'i economy.
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1
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+
Local Merchants Engaged
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M+
Estimated Annual Fees at Stake
0
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7
B
Typical Savings Target
How we create measurable impact
How we create measurable impact
Lower fees through collective leverage
We aggregate anonymized payment data from participating Hawaiʻi merchants to quantify real transaction costs and identify structural fee inefficiencies. By organizing merchants at scale, we enable collective negotiation, policy engagement, and the evaluation of compliant digital payment alternatives. This approach creates durable fee reductions while maintaining consumer protection, transparency, and regulatory alignment.
Lower fees through collective leverage
We aggregate anonymized payment data from participating Hawaiʻi merchants to quantify real transaction costs and identify structural fee inefficiencies. By organizing merchants at scale, we enable collective negotiation, policy engagement, and the evaluation of compliant digital payment alternatives. This approach creates durable fee reductions while maintaining consumer protection, transparency, and regulatory alignment.
Join us in building a stronger local economy
Participation in the coalition helps Hawaiʻi merchants reduce payment costs, inform smart policy, and support the development of transparent, compliant digital payment infrastructure. By joining, you contribute to data-driven advocacy that keeps more dollars circulating locally.
Join us in building a stronger local economy
Participation in the coalition helps Hawaiʻi merchants reduce payment costs, inform smart policy, and support the development of transparent, compliant digital payment infrastructure. By joining, you contribute to data-driven advocacy that keeps more dollars circulating locally.
Our mission is to reduce payment friction in Hawai'i by aligning merchants, data, and policy around transparent, lower-cost payment infrastructure.
Our mission is to reduce payment friction in Hawai'i by aligning merchants, data, and policy around transparent, lower-cost payment infrastructure.
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We focus on measurable economic outcomes.
We analyze real transaction data to understand where fees, intermediaries, and outdated payment rails and fee structures impose unnecessary costs on Hawaiʻi merchants. Our work prioritizes transparency, consumer protection, and evidence-based decision-making to inform policy, infrastructure design, and regulatory review.
01
We focus on measurable economic outcomes.
We analyze real transaction data to understand where fees, intermediaries, and outdated payment rails and fee structures impose unnecessary costs on Hawaiʻi merchants. Our work prioritizes transparency, consumer protection, and evidence-based decision-making to inform policy, infrastructure design, and regulatory review.
02
We build coalitions to enable compliant innovation.
By organizing merchants, engaging policymakers, and evaluating regulated digital payment frameworks, we help create pathways for lower fees and modern infrastructure that operate within existing state and federal financial and licensing requirements.
02
We build coalitions to enable compliant innovation.
By organizing merchants, engaging policymakers, and evaluating regulated digital payment frameworks, we help create pathways for lower fees and modern infrastructure that operate within existing state and federal financial and licensing requirements.
01
We focus on measurable economic outcomes.
We analyze real transaction data to understand where fees, intermediaries, and outdated payment rails and fee structures impose unnecessary costs on Hawaiʻi merchants. Our work prioritizes transparency, consumer protection, and evidence-based decision-making to inform policy, infrastructure design, and regulatory review.
02
We build coalitions to enable compliant innovation.
By organizing merchants, engaging policymakers, and evaluating regulated digital payment frameworks, we help create pathways for lower fees and modern infrastructure that operate within existing state and federal financial and licensing requirements.
Coalition Leadership & Advisors
Coalition Leadership & Advisors
A cross-sector group of merchants, operators, analysts, and policy contributors working to modernize Hawaiʻi’s payment infrastructure.
A cross-sector group of merchants, operators, analysts, and policy contributors working to modernize Hawaiʻi’s payment infrastructure.
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy
Our vision for a stronger, fairer Hawai'i Economy