Northwest Payment Brokers

Guides

Card processing guides

Plain-English guides to card fees, statements, equipment and software.

Fees and pricing programs

  • Rates, explained

    Where the 3 percent actually goes, and why flat-rate and tiered pricing hide the only part of your rate that is negotiable.

  • Cash discount

    Cash discount in Seattle and Tacoma is now run as dual pricing: both prices posted, the customer chooses, and you keep 100 percent.

  • Interchange plus

    Clear card pricing passes through the card networks' wholesale cost plus one visible markup. See real examples and get a free rate review locally.

  • Free credit card processing

    “Free” credit card processing is real: a dual pricing or surcharge program moves the card fee off your bottom line, so you keep far more of every sale.

  • WA dual-pricing savings

    Across 36 Washington statements from shops on dual pricing or surcharge, the average business kept over $1,000 a month. See what drives it and get yours.

  • Lower your fees

    The real levers that lower what you pay to accept cards: your effective rate, interchange-plus, dual pricing or surcharging, ACH on big tickets, junk fees.

  • FAQ

    Plain answers about dual pricing, surcharging, card rates, free equipment, switching payment companies and local Seattle-Tacoma help.

  • Glossary

    Interchange, surcharges, dual pricing, ACH, chargebacks and more, explained in plain English for business owners by Northwest Payment Brokers.

Your statement and your processor

  • Read your statement

    A 10-minute guide to your card processing statement, with a worked example: find your real effective rate and the seven fees built to stay hidden.

  • EPX & Edge on your statement

    EPX is a card processing platform. Edge is a cash discount program sold on it. What each means when it appears on your statement, and the lines worth reading.

  • Switch credit card processors

    Switching payment providers is easier than owners think. Run the new account in parallel and flip when it works. Contracts, fees and what carries over.

  • PCI compliance

    What PCI compliance is, why a non-compliance fee appears on your statement and how to finish the process without the headache.

  • Credit card processing company

    Choosing a credit card processing company? We're the Federal Way broker that makes providers compete for you: free statement review, real bids, local support.

Equipment and software

  • Processing software

    Credit card processing software is where the payment runs: virtual terminal, gateway, invoicing and POS. We set the right one up on a negotiated account.

  • Terminals

    Credit card terminals for business: Valor, Dejavoo, PAX and Ingenico, placed free and configured for checkout. Local Seattle and Tacoma setup and support.

  • Mobile payments

    ProCharge, PayAnywhere and SwipeSimple for field work, pop-ups and phone orders. Local Seattle and Tacoma brokers set up mobile card payments.

  • Virtual terminal

    Virtual terminal for business: take card payments from any browser. Phone orders, invoices with autopay and recurring billing, at negotiated keyed rates.

  • Invoicing

    Send invoices by text or email and get paid fast. Hyfin shows card and ACH prices, syncs with QuickBooks and follows up on late payments.

  • QuickBooks

    Keep QuickBooks and change what card payments cost. eProcessing and Biller Genie connect negotiated rates with automatic posting and reconciliation.

  • Gift cards

    Factor4 and E-Gift Solutions programs offer physical and digital gift cards, loyalty and balance migration. Local Seattle and Tacoma setup.

  • ACH & eCheck

    Accept lower-cost bank payments with Paya and Vericheck ACH. Add recurring billing and check conversion with local Seattle and Tacoma setup.

Funding and financing

  • Working capital

    What working capital is, and how fixed-term loans, revenue-based advances, equipment financing and nonprofit microloans trade off.

  • Customer financing

    Stop losing big-ticket sales to sticker shock. Your customer applies at the counter, pays over time, and you get paid in full up front.

Referral partners

  • Referral partner program

    Refer a business to Northwest Payment Brokers and get paid when they activate. Built for bookkeepers, accountants and people owners trust locally.

  • Become a partner

    Join the Northwest Payment Brokers referral program and earn recurring income for introducing businesses that overpay on card processing.

  • Refer a business

    Refer a business that is overpaying on card payments. We handle the free rate review and setup, and you get paid when their account goes live.