North Payments Review 2025
North Payments Merchant Services Plans & Pricing
North Payments Comparison
Expert Review
Pros
Cons
North Payments Merchant Services's Offerings
I checked out North Payments pricing and the providor offers three pricing plans: Basic, Premium, and Premium Plus.
All the North Payment pricing plans have a 2.69% processing fee per every in-person dip, tap, or swipe transaction.
- The Free plan has limited features, which include in-person payments, next day funding, tap-to-pay on iPhone, and a virtual terminal
- The Premium plan is $14.95 per month and includes extra features like free supplies and terminal replacement.
- The Premium Plus is $29.95 per month and offers all premium features, plus advanced e-commerce payment methods and tools.
There may be some additional fees for certain services.
Customer Support
North Payments provides 24/7 technical support and customer care between 8 a.m. – 8 p.m. ET. Both support teams can be reached via email and phone number. While they lack the online chat option, for immediate additional resources, customers can access the North Payments FAQ and blog articles on the official website.
Personal Experience of Customer Support
I reached out to North Payments customer support via email and was pleasantly surprised with how quick the response time was. They write online that it can take up to a day for a response, however I received an email within hours. When I didn’t respond, the representative sent a follow-up email that he was trying to get in touch to set up a phone call to discuss my questions. Not only were they quick in responding, but I could also tell it was personal and I was talking to a caring human on the other end.
FAQ and Blog
The company’s website features a detailed FAQ section and a blog with articles on payment processing, security, and industry trends, providing valuable insights and self-help resources.
In my experience, North Payments’ multi-channel support structure ensures that merchants receive timely and knowledgeable assistance, enhancing the overall user experience with their merchant services software.
Features & Functionality
General Features
North Payments offers a large and user-friendly suite of features to meet your business’s payment processing needs. I tested some of these features, and here’s my experience.
Top features:
- Payment Processing Services
- Point-of-Sale (POS) Hardware
- Point-of-Sale (POS) Software
- Merchant Accounts
- E-Commerce and Payment Gateway Integration
- Residuals Program
- Gift Cards and Loyalty Programs
- Recurring Billing, Invoicing, and Subscription Management
- Sales Partner Portal
- Next-Day or Same-Day Funding
- Edge Program
- Analytics
- Fraud Detection and Security Tools
- Mobile Payment Solutions
Payment Processing Services
When I tested North Payments’ merchant services software, I found its payment gateway efficient for businesses of all sizes. The platform processes in-person, online, mobile, and electronic check payments, ensuring smooth online payment processing services. It supports credit cards, debit cards, digital wallets, and contactless payments (Tap-to-Pay), making it a versatile solution for merchants managing multiple e-commerce payment methods.
Point-of-Sale (POS) Hardware
North Payments provides a selection of POS hardware, including the 3-in-1 reader, keypad reader, PinPad Pro, Flex, Touchscreen Terminal, and POS system. When I checked out the different options, I found that businesses can choose the best device for their needs, improving in-store transactions and customer convenience.
Point-of-Sale (POS) Software
The POS software features an intuitive interface for managing sales, tracking inventory, and generating reports. I found it easily integrates with online payment platforms and business management tools, simplifying daily operations.
Merchant Accounts
Offers dedicated merchant accounts for different businesses, ensuring secure handling of transaction funds. These accounts often come with faster access to funds, fraud protection tools, and support for managing chargebacks. However, it’s important to inquire about industry-specific fees and the account approval process.
E-Commerce and Payment Gateway Integration
I explored North Payments’ e-commerce payment features, and its secure payment gateway integrates with popular e-commerce platforms. Businesses can store customer cards securely, set up autopay, and handle global transactions, ensuring seamless checkout experiences.
Residuals Program
When I explored North Payments’ residuals program, I found it beneficial for sales partners looking to earn ongoing revenue. The platform provides real-time tracking, detailed reports, and transparent commission structures. Residual payments are predictable, allowing partners to scale their merchant services software business with long-term, passive income potential.
Recurring Billing, Invoicing, and Subscription Management
North Payments offers flexible billing and invoicing solutions to suit your business needs. With the Payments Hub Premium Plus Plan, you can customize your billing and invoicing for one-time payments or subscription-based models. You can also send invoices via SMS, QR code, or email to make payments easy.
Sales Partner Portal
When I tested North Payments’ Sales Partner Portal, I found it highly efficient for managing merchant accounts and tracking performance. The platform allows sales partners to enroll merchants, monitor residuals, and access sales tools in one place. The user-friendly interface made it easy to navigate, and real-time reporting helped streamline operations. This feature is valuable for agents looking to optimize their merchant services software and maximize their business growth.
Gift Cards and Loyalty Programs
The Merchant Services software includes additional features such as gift cards and customer loyalty programs to enhance customer engagement and retention. This is a North Payments tool that could be super valuable for your business and its long-term growth. They offer a Loyalty Program as a reward to brand ambassadors and a referral program where they offer gifts to bring new customers in with a paid Payments Hub plan. I found its Loyalty Program and referral rewards system useful for encouraging repeat business and attracting new customers.
Next-Day or Same-Day Funding
When I tested North Payments’ funding options, I found the Next Day Funding feature ensures transactions closed by 10 p.m. ET (Monday-Friday) are deposited the next business day. Same Day Funding processes transactions closed by 10:30 a.m. ET for same-day deposits. This flexibility provides businesses with quicker access to funds.
Edge Program
A dual pricing program for cash and credit card transactions so you can enjoy the same profitability on credit cards as you do cash payments.
Reporting and Analytics
North Payments offers a comprehensive suite of reporting and analytics tools designed to help businesses make data-driven decisions. These tools provide valuable insights into sales data, inventory management, customer behavior, and employee performance. With North Payments’ reporting tools, your business can track key metrics, identify trends, and optimize its operations.
Fraud Detection and Security Tools
North Payments uses certified, point-to-point encryption and tokenization to ensure your customers’ data remains as safe as possible. As a true end-to-end payment solution, they also handle the entire transaction process, meaning you won’t have to deal with third-party security risks.
Mobile Payment Solutions
North Payments offers flexible mobile payment solutions to cater to your business needs. Their mobile apps and integrated solutions make for seamless transactions on the go, allowing your customers to pay easily and securely. Whether you’re a retailer, restaurant, or service provider, North’s mobile payment solutions provide a convenient and secure way for your customers to make payments.
Hardware & Software
Integrated tools for efficient merchant operations.
Pricing Options Automations
Simplify billing with automated pricing features.
Sales Channels
Expand business reach with diverse sales channels.
Performance:
Reliable Payment Processing When I tested North Payments’ merchant services software, I found it designed to handle a wide range of transactions efficiently. As a leading online payment solutions provider, the platform helps businesses streamline payment operations with fast, secure, and flexible processing options. Transaction Speed and Reliability North Payments offers fast transaction processing, ensuring smooth customer experiences. When I explored the Next Day Funding and Same Day Funding options, transactions closed quickly and were processed on time. I also tested payments without an internet connection, and the system handled offline transactions seamlessly, making it a reliable payment gateway for various business types. Payment Methods Supported North Payments supports credit cards, debit cards, digital wallets, and contactless payments. This flexibility allows businesses to cater to different customer preferences while integrating with online payment platforms. Security and Fraud Prevention The platform prioritizes security and fraud prevention by offering PCI-compliant transactions and following Payment Card Industry Data Security Standards (PCI-DSS). When I checked out the fraud detection system, it actively flagged potential risks, ensuring secure e-commerce payment methods. Ease of Integration North Payments integrates with POS systems, accounting software, and e-commerce platforms. I looked at its integration with online payment platforms, the process was smooth, supported by developer tools that simplified setup. The system allows businesses to accept credit cards, debit cards, digital wallets, and other popular e-commerce payment methods, making it a versatile online payment processing service.
Reporting and Analytics:
North Payments offers powerful reporting tools that help businesses analyze sales data, inventory, customer behavior, and employee performance. These insights enable data-driven decision-making and optimized operations.
Scalability
As your business grows, North Payments can scale to accommodate increasing transaction volumes and expand into new markets.
Ease Of Use:
When I tested North Payments’ merchant services software, I found its interface intuitive and easy to navigate. The platform is designed for users of all technical backgrounds, ensuring seamless access to its online payment processing services and features.
Merchant Portal
The merchant portal provides a clear overview of key metrics such as transaction volume, sales trends, and customer data. When I explored it, I found it well-organized, making it simple for businesses to track e-commerce payments and manage transactions efficiently.
Onboarding and Support
The onboarding process is straightforward, with a guided setup that helps merchants integrate the platform smoothly. North Payments also offers FAQs and dedicated customer support representatives, which I found useful when navigating setup questions and operational concerns.
Mobile Accessibility and Customization
The platform is mobile-friendly, allowing businesses to manage transactions on the go. When I tested the customization options, I could tailor the system to fit specific business needs, making North Payments a flexible online payment solution for merchants.
Here’s a quick look at how it works:
Uniqueness:
North Payments has a few elements that make the merchant service provider stand out:
- Next Day & Same Day Funding – Faster transaction processing than many online payment platforms, ensuring quick access to funds.
- Offline Payment Capability – Accept payments even without an internet connection.
- Seamless Multi-Platform Integration – Works with POS systems, e-commerce platforms, and accounting software.
- Comprehensive Security – PCI-DSS compliance and advanced fraud prevention tools for secure transactions.
Verdict:
North Payments is a versatile payment processing solution well-suited for all types of businesses of all sizes. Its comprehensive range of features, including payment gateways, POS systems, and mobile payment solutions, make it a valuable tool for accepting and managing payments.
The Merchant Services software offers good value for money, providing a range of pricing plans to suit different business needs. While specific pricing details might not be readily available on the website, North Payments can provide tailored quotes based on your business requirements. They have a very responsive Customer Support team, ready to assist with any questions or concerns.
Regarding features, North Payments is a feature-rich platform offering a wide array of functionalities. From payment processing and security to reporting and analytics, the Merchant Services software provides a good solution for managing your payment operations and contributing to the growth of your business.
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