Bainbridge Island runs on ferry crowds and real quality. Your card fees shouldn't be the one thing nobody checked.
We're payment brokers based in Federal Way. We've worked processing deals for Puget Sound shops since 2010, Bainbridge included. Send us one statement. We read it line by line, free. If we can't beat your deal, we tell you to keep it.
In person at your counter. From Winslow Way to the wineries. We have done this since 2010.
Where we work in Bainbridge Island
Bainbridge isn't one kind of business. A Winslow Way boutique and an island winery need different setups, and both are used to a certain level of polish. We set up for it.
Winslow & Winslow Way
Upscale boutiques and restaurants, feet from the ferry that brings Seattle's crowd over in 35 minutes. Higher average tickets deserve pricing that doesn't quietly hand a point back to the processor.
How we set this up →The wineries & tasting rooms
Coppertop and the island's tasting rooms, where a case sale can run into real money. Interchange plus pricing on bigger tickets is worth more here than almost anywhere else in Kitsap.
How we set this up →Lynwood Center
A small historic shopping center with dining and shops built for a slower island pace. Card prices that read clean without feeling like a big-box counter.
How we set this up →Rolling Bay & the island farm stands
Farm-to-table sellers and small producers, some running card readers off a phone at a folding table. Simple, mobile-friendly setups that still get a fair rate.
How we set this up →Day Rd & island service businesses
Salons, clinics and studios that book ahead. Card on file and dual pricing that fits an island clientele used to paying for quality.
How we set this up →In another part of Bainbridge Island? We cover it too.
Fort Ward, Blakely, the Sound side of the island. If you take cards on Bainbridge, the free statement read is yours.
Get startedWhat a broker does for a shop that takes cards in Bainbridge Island
We are a broker, not a processor. We work for you, not for them. We make banks and processors bid against each other for your Bainbridge Island account. Your card rates drop. The way you take cards does not change.
Card processing is priced like used cars. The wholesale cost is public. The markup on top is not. A Winslow Way shop and an island winery can do the same volume and pay rates a full point apart. Neither would know. We make processors bid for your account, and we check the bid again so it doesn't creep back up.
Bainbridge runs higher average tickets than most of Kitsap, ferry-crowd retail, wine sales, farm-to-table dining. On a $30 tasting-room pour that's one thing. On a $300 case sale, a bad rate is real dollars gone on a single transaction. Dual pricing shows a cash price and a card price and drops that line near zero. A new rate deal shrinks it the old way. We run both and tell you which fits your counter.
How we set you up in Bainbridge Island, start to end
- Statement read, free
Your real rate and every junk fee, named. At your counter or by upload.
- Rates bid, not quoted
Multiple processors compete for your volume. You see the bids in plain language.
- Equipment placed free
Terminals and POS arrive programmed for your fee program. No lease line, ever.
- Programs set up right
Dual price signs, register steps and receipts, all done right the first time.
- Local help after
Something breaks on a Saturday, you text a person you've met, not a 1-800 queue.
More for Bainbridge Island businesses
- Where we work
The Seattle-Tacoma cities our brokers cover.
- Dual pricing for counter sales
Posted cash and card prices can fit a counter business.
- Credit card surcharging
A disclosed surcharge can fit a credit-heavy business.
- Payment brokers in Poulsbo
We also support businesses nearby in Poulsbo.
- Payment brokers in Bremerton
We also support businesses nearby in Bremerton.
- Get a free rate analysis
See your real numbers before you decide anything.
We are close to you in Bainbridge Island
We're based in Federal Way. We work with shops in Bainbridge Island and all over the South Sound. Same broker, same phone. We can read your statement by text or in person.
Federal Way, WA 98003Call or text 253-799-0640
We work in Bainbridge Island. We cover the whole area from Seattle to Tacoma. We have done this since 2010.
Every review we have is five stars. All 77.
Read them all →“We've really appreciated having a local presence that we can interact with in person and get in person assistance... Very competitive rates. I absolutely recommend Northwest Payment Brokers!”
“Drew came out for the initial visit and helped with the setup, walking us through the entire process with ease. We're saving money with lower fees while getting top-notch service.”
“They made switching our payment processing incredibly easy. I needed a mobile solution that just works... It's rare to find a payment broker that actually cares about your bottom line.”
A Bainbridge tasting room doing $70K a month at a 3% real rate hands its processor $25,200 a year. On dual pricing or a tightened interchange plus deal, a meaningful share of that stays with the business.
How dual pricing works →Bainbridge Island questions, answered
Do you really come to Bainbridge Island?
Yes. We take the ferry over for island accounts. We read statements at your counter and install on site. You meet your broker in person, not a call center.
What should a Bainbridge business be paying to take cards?
Take your total fees. Divide by your card volume. That is your real rate. Healthy shops we check land between 2 and 2.5% on old-style pricing, or near 0% card cost on dual pricing. Over 2.5% means you're overpaying, and on higher average tickets that adds up fast.
Is it legal to show a cash price and a card price on Bainbridge?
Yes. You can show a cash price and a card price in all 50 states, including Washington. We set up the signs, the register steps and the receipts so it reads right for an island clientele.
My average ticket is higher than a typical small business. Does that change the math?
It makes the rate matter more, not less. A point of overcharge on a $30 sale is 30 cents. On a $300 case sale or a big tasting-room order, it's real money. Interchange plus pricing usually wins clearly once tickets run this size.
Which POS fits a small island shop or farm stand?
Clover, Exatouch, KORONA and simple mobile readers, matched to your setup rather than a one-size system. Gear is free on accounts we open.
What does the rate check cost?
Nothing. Send us one recent statement. We read it line by line. You get your real rate, the junk fees by name, and the number we would bid for your volume. If your deal is already good, we say so.
It starts with one statement.
We just need to see one recent statement. Upload it right here, or we'll swing by your Bainbridge Island business and grab it in person. One or the other, and the read is free.