Alex KlimchenkoMerchant Services
A secure payment shield concept over a modern retail checkout scene

Chargeback and PCI Protection

Fraud tools and compliance, included

Chargeback management and fraud prevention come standard on every plan, with certified point-to-point encryption and tokenization. PCI DSS validated solutions keep you compliant without the surprise non-compliance fees ISOs love to add later.

What you get

Everything included, named out loud

  • Chargeback management included
  • P2P encryption and tokenization
  • PCI DSS validated compliance
  • No surprise non-compliance fees

Who it is for

Built for owners in this exact spot

For any merchant tired of fighting disputes alone or getting hit with hidden PCI charges.

How it works

From your statement to a real account in four steps

  1. Step 1

    Send your statement

    Upload or email your most recent processing statement. It takes a minute and there is no cost or commitment to look.

  2. Step 2

    See your real rate

    Alex reads it line by line and shows you your true effective rate, what is interchange, and what is pure markup.

  3. Step 3

    Board a real account

    If switching saves you money, you get a dedicated North merchant account in your name with transparent pricing and real underwriting.

  4. Step 4

    Keep a human on call

    After setup, Alex stays your point of contact. When something comes up, you call a person who knows your account.

In their words

Owners who made the switch

Stripe held sixteen thousand of my dollars and just kept sending me the same reply. Alex got on the phone the same day, walked me through why it happened, and set me up on a real account. Money has flowed on time ever since.

Marcus D.

Online apparel brand owner

My bill jumped three hundred dollars one month with zero explanation. Alex read my statement line by line and showed me exactly where the markup was hiding. I am paying less now and I finally understand my own rate.

Linda R.

Full-service restaurant owner

I thought I was paying around 1.7 percent. Turned out it was closer to 3. He did not sugarcoat it, he just showed me the math. Switching paid for itself in the first month.

Devon P.

Coffee shop, two locations

Common questions

The questions owners ask first

What is the MATCH list and how do I avoid it?

MATCH is an industry list of merchants terminated for cause, and landing on it makes getting a new account hard. The best protection is a properly underwritten account, accurate disclosures, and active chargeback management, all of which come standard here. If you are worried you may be flagged, tell me your situation and I will give you a straight read.

How do I know I am not just trading one set of hidden fees for another?

Fair question, and it is why the rates are published right on this site. The statement review names true interchange versus markup line by line, your account is set up month to month, and there is no statistical package or surprise PCI fee buried in the terms. You see the numbers before you decide anything.

What kinds of businesses do you work with?

Retail, restaurants, contractors, healthcare, e-commerce, and high-risk or specialty merchants such as CBD, gaming, and telemedicine through North's specialty brands. Whether you are leaving an aggregator or starting to accept cards for the first time, there is a fit.

See all FAQs

Protect My Account

Send your last statement and see your real rate. If switching would not save you money, Alex will tell you to stay put. It costs nothing either way, and a real human reads it with you.

See transparent interchange-plus ratesSee the areas Alex serves