MERCHANT SERVICES, POWERED BY NORTH
Whether an aggregator just froze your funds, you think your tiered rate is quietly overcharging you, or you are taking cards for the first time, send me your last statement or your questions. I will show you what you actually pay and set you up with an account that keeps your money moving.
In person, online, and high risk, nationwide. Backed by North, processing $100B+ a year for 350,000+ merchants. A real human, not a robot.
Sound familiar
These are the traps that bring most merchants here. Read the one that matches your week, then see exactly how a real account fixes it.
An aggregator paused your payouts and held your money for security reasons it will not explain. There is no number that reaches a human, only template replies that say we will look into it. Your operating cash is locked while bills keep coming.
Your processing bill climbed a few hundred dollars last month with no notice. You are on a tiered or flat plan, you suspect you are overpaying, and every call ends with a script instead of a straight answer about your real rate.
Statistical package charges, PCI non-compliance fees, and a qualified rate that never actually applies. ISOs bury markup in language designed so you cannot read your own bill, then lock you into a multi-year contract with a steep early-termination fee.
When something breaks at the worst moment, the automated system hangs up once it decides an algorithm cancelled you. You wanted to speak to a real person, not correspond by email for ninety days while your money sits in limbo.
The human behind the account
Alex Klimchenko spent years watching good business owners get burned by the same playbook. An aggregator freezes a hard-earned deposit for ninety days. An ISO hides markup behind a qualified rate that never applies. Support is a phone tree that hangs up on you. The people taking the biggest risk, the owners, were the ones kept most in the dark about how their own money moved.
Alex Klimchenko
Merchant Services Consultant, powered by North
Show the math, always
Every fee gets named out loud. You see true interchange versus markup before you decide anything.
Educate first, sell second
You leave understanding how processing actually works, whether or not you ever board an account.
A human answers
Before the sale and long after it, there is a real person to call who knows your account.
What Alex does
Everything runs through North, the largest privately owned processor in the country, set up in your name with pricing you can actually read.
Backed by North
100B+
Processed yearly by North
350,000+
Merchants served by North
30+
Years in payments since 1992
Free savings calculator
See exactly what you are overpaying, in 30 seconds. No email, no sales call.
See what you are overpaying
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.
In their words
Real stories from merchants who sent a statement, saw their true rate, and got a human who answers.
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
Find your trap
Answer six quick questions and get a plain-English read on what is happening to your money and what to do about it.
Find Your Payment Trap
FREE STATEMENT REVIEW
Send your last statement and Alex reviews it personally, then gets back to you within one business day. The review is free whether you switch or not, and there is a real human on the other end of it.
FREE · NO OBLIGATION
Merchant services, explained
Plain-English guides on freezes, hidden fees, and reading your own statement. No jargon wall, no sales pitch.
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.
