Credit card processing in Everett, WA. Merchant services for a city that works in shifts.
We're independent payment brokers based in Federal Way, in business since 2010. Send us one recent statement, by email or as a photo. We read it line by line, free, and tell you what you really pay. If your deal is already good, we say so and you keep it.
By upload from anywhere in Everett, or in person by appointment. Since 2010.
Where we work in Everett
Everett is a port, a navy base, an aircraft plant and a downtown, and they keep different hours. The fee plan that fits a Hewitt Ave bar is wrong for a repair shop on Evergreen Way. We set up for the difference.
Downtown, Colby & Hewitt
Restaurants, bars and coffee counters around the arena and the county offices. Lunch rush and show nights push a lot of small tickets through in a short window. Dual pricing keeps a card fee from eating the edge on a $14 lunch.
How we set this up →Evergreen Way & Broadway
The auto and service strip. Repair shops and dealers ring up big tickets, in person and keyed in over the phone. Interchange plus pricing (the card brands' wholesale cost, plus one markup you can see) beats a flat rate on tickets like these.
How we set this up →Everett Mall Way & Silver Lake
Stores, grocers and service counters in south Everett. A POS that tracks stock, with cash and card prices the customer can read. Sized for a single shop.
How we set this up →Paine Field & the Boeing side
Cafes, food trucks and lunch spots that live on shift change at the plant. Hand-held and counter terminals that keep a ten-minute line moving.
How we set this up →The waterfront & Port of Everett
Marina-side places to eat and the shops around them, busy all boat season with the same regulars. Fast terminals for the deck rush, and receipts done right.
How we set this up →In another part of Everett? We cover it too.
Riverside, Port Gardner, Lowell, Pinehurst, the Mukilteo line. If you take cards anywhere in Everett, the free statement read is yours.
Get startedWhat a broker does for a shop that takes cards in Everett
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 Everett 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 Hewitt Ave restaurant and an Evergreen Way repair shop can run the same card volume and pay rates a full point apart, and neither would know. We close that gap. We make processors bid for your account, and we check the bid again later so it does not creep back up. We are a broker, not a processor, so we have no rate of our own to protect.
Everett's money moves on a schedule. Paydays at the Boeing plant and Naval Station Everett, boat season at the Port of Everett marina, and show nights at the arena downtown pile card sales into short windows. More card volume in a rush means more fee exposure on those days. The card fee line is one of the few costs you can push back on. Dual pricing shows a cash price and a card price on every card, credit or debit, and moves most of that line to the card price. A surcharge program adds a fee to credit cards only, never debit. A new rate deal shrinks the line the old way. We run all three and tell you which one fits your counter. Across 36 Washington statements we have reviewed, the average shop kept over $1,000 a month it used to hand to card fees.
How we set you up in Everett, 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 call a person you've met, not a 1-800 queue.
More for Everett 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 Bothell
We also support businesses nearby in Bothell.
- Payment brokers in Shoreline
We also support businesses nearby in Shoreline.
- Get a free rate analysis
See your real numbers before you decide anything.
We are close to you in Everett
We're based in Federal Way. We work with shops in Everett and all over the South Sound. Same broker, same phone. We can read your statement by email or in person.
Federal Way, WA 98003Call 253-336-6321
We work in Everett. 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.”
Say an Everett restaurant runs $60,000 a month in card sales and the statement works out to 3% all in. That is $21,600 a year to the processor. On dual pricing most of that moves to the card price, and the cash price stays where it was. Your own number comes from your own statement, which is why we read it first.
How dual pricing works →Everett questions, answered
Do you come to Everett, or is it all remote?
Both. Our office is in Federal Way, about an hour down I-5, so most Everett work starts with a statement you email us and a phone call. When an install or a sit-down makes sense, we drive up and book a time. You get one broker you can reach by phone.
What should an Everett business be paying to take cards?
Take the total fees on your statement and divide by your card volume. That is your real rate, and it is usually higher than the rate you were quoted. Send us the statement and we tell you where yours sits and what we would bid for it. No number from us until we have seen yours.
Can I show a cash price and a card price in Everett?
Yes. Washington allows dual pricing on all cards and lets you add a surcharge to credit cards, within the card brands' rules. Debit cards never carry a surcharge. We set up the signs, the register steps and the receipts so the program is right from day one. The rules are on our Washington surcharge laws page.
My rush comes at shift change. Does that change the setup?
It changes the gear more than the pricing. A counter that does 40 tickets in 15 minutes needs a terminal that taps and prints fast, and a hand-held for the line if you run one. We place terminals free on accounts we open, programmed for your fee program, with no lease line.
Which POS systems do you install in Everett?
Clover, Exatouch, KORONA and others. We match the gear to your trade, not to whatever is on the truck. Gear is free on accounts we open. There is no lease line.
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 Everett business and grab it in person. One or the other, and the read is free.