TRANSPARENT PRICING
You should not have to give your phone number just to see a price. Here are North's published plan rates, on this page, no form required. Most businesses pay between 2.8 and 3.5 percent all in, while true cost is closer to 1.8 to 2.4 percent. The statement review finds your exact number.
$0/mo
2.69% per dip, tap, or swipe
The simplest way to start taking cards with no monthly fee. The obvious choice when you want to save on monthly cost.
$14.95/mo
2.69% per dip, tap, or swipe
Everything in Free, plus the tools established merchants actually use. The most popular choice for businesses running real volume.
$29.95/mo
2.69% per dip, tap, or swipe
Everything in Premium, plus advanced billing for businesses with recurring revenue and loyalty programs.
All three plans process at 2.69% per dip, tap, or swipe for card-present sales.
Keyed, virtual terminal, and invoice transactions are 3.49% plus $0.19. Online and high-volume accounts get a custom interchange-plus quote.
MORE THAN CARD PRESENT
The plans above cover card-present rates. If you sell online, ship nationwide, or process serious monthly volume, your pricing is custom, and it usually beats a blended rate. Here is how each path works.
Selling on your own site or a platform, anywhere in the country, gets a custom interchange-plus quote built around your card mix and average ticket. You get a real merchant account in your business name with a gateway, recurring billing, and card on file, not a shared aggregator account that can freeze you mid season.
Established and higher-volume merchants save the most on interchange-plus or custom buy-rate pricing, because you pay true cost plus a small fixed markup instead of one blended rate that hides the spread. Send a recent statement and you get a real number for what you would pay on your volume.
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.
THE EDGE PROGRAM
North's Edge program is structured as a compliant cash discount, not a surcharge. Done right, it can bring your monthly processing cost close to zero. Here is the difference that keeps you on the right side of the rules.
A true cash discount is legal in every state. You post one set of prices and offer a discount to customers who pay with cash, which keeps you compliant from day one.
Adding a fee on top of card payments is restricted in some states, including Massachusetts, Connecticut, and Maine. That is surcharging, and it is not the same thing as a cash discount.
Edge is set up as a compliant cash discount, so merchants in Massachusetts and beyond can bring processing cost close to zero. Alex confirms what is allowed where you operate before anything goes live.
Ask about interchange-plus pricing for the lowest true cost on established accounts, and the Edge cash-discount program that can bring your processing bill close to zero where legal in your state.
CASH DISCOUNT AND LEGALITY
Straight answers on cash discounts, surcharging, and what is allowed in your state. No jargon, no fog.
Take the total fees you paid for the month and divide by your total card volume. That percentage is your true effective rate, and it is usually higher than the rate you were quoted. Send your statement and I will calculate it with you and show you exactly where the gap comes from.
FREE STATEMENT REVIEW
Drop in your most recent processing statement and I will read it line by line, show you true cost versus markup, and tell you straight whether switching saves you money. If it does not, I will tell you to stay put. It costs nothing either way.
If I cannot show you real savings, I will tell you to stay put. It costs nothing either way, and there is a real human at the other end.
