Free, instant, no signup
Two quick tools. Move the sliders to estimate your true effective rate and your annual savings on a real North account, then see exactly how an aggregator like Stripe or Square stacks up against a merchant account in your own name. No email, no sales call to get the number.
INSTANT SAVINGS CALCULATOR
Drag in your monthly card volume and the rate you think you are paying. No form, no wait, no phone number. The savings are a ballpark to start the conversation, and the free statement review finds your exact number.
Flat-rate pricing is what it says it is, so we treat 2.90% as what you actually pay today. The savings below compare that against transparent interchange-plus pricing through North.
What you pay now, monthly
$725
Estimated North cost, monthly
$550
Monthly savings
$175
A year of savings
$2,100
savings found
Estimate only, based on a representative North target rate. Your real rate depends on your card mix and ticket size. The free statement review gives you the exact figure with no obligation.
AGGREGATOR VS A REAL ACCOUNT
Aggregators pool thousands of sellers onto one shared account and manage risk after the fact. A true North merchant account is underwritten up front and held in your business name. Here is what that difference means line by line.
Sudden account freezes
Can pause or close your account with little warning
Stable account in your name, underwritten before you process
Fund holds
Funds can be held 90 to 180 days for review
Same-day and next-day funding, your money keeps moving
Underwriting timing
Approved instantly, reviewed later when it is too late
Real underwriting done up front, so surprises are rare
Support
Template replies and an automated line that hangs up
A real human who answers and knows your account
Rate transparency
One blended rate that hides the markup
Published rates and interchange-plus, named line by line
MATCH-list exposure
A sudden for-cause closure can land you on the MATCH list
Proper underwriting and chargeback tools lower that risk
DO THE MATH
Set your monthly card volume and see roughly how much cash an aggregator could lock up for three months while bills keep coming.
Turn the estimate into a real number
The calculator gives you a ballpark. A free statement review gives you the real one. Send me a recent statement and I will read it line by line, name every fee, and show you what you would actually pay on North.
