Alex KlimchenkoMerchant Services
A smart point-of-sale terminal and card reader on a cafe countertop

POS and Hardware

Payanywhere terminals and smart point of sale

Modern Payanywhere hardware matched to how you actually run, from the Smart POS Plus and Smart Terminal to Tap to Pay on iPhone and a 3-in-1 Bluetooth reader. Inventory, reporting, and the Payments Hub portal come built in.

What you get

Everything included, named out loud

  • Smart POS Plus and Smart Terminal
  • Tap to Pay on iPhone
  • Payments Hub reporting and analytics
  • Inventory and employee management

Who it is for

Built for owners in this exact spot

For retail, restaurant, and service businesses that need reliable hardware on day one.

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

I had one of those leased terminals costing me almost ninety a month for years. Alex showed me the trap I was in, got me onto a transparent plan, and the difference goes straight back in my pocket.

Robert K.

Auto repair shop owner

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

Common questions

The questions owners ask first

How do I spot a leased-terminal scam before I sign?

Watch for a monthly equipment lease that quietly totals thousands over a multi-year term for hardware worth a few hundred dollars, plus long lock-in contracts and steep early-termination fees. You should own or affordably buy your hardware and be free to leave. I will tell you plainly if an offer in front of you has these traps.

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.

What does the free statement review actually cost me?

Nothing. You send your most recent statement, I read it and show you your true rate, and if switching would not save you money I will tell you to stay put. It costs nothing either way and there is no obligation.

See all FAQs

Talk Hardware With Alex

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