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PAYMENTS, WITH A PERSONAL TOUCH

Your business.
More possibilities.
Fewer payment costs.

Keep more of what you work for. Explore smarter payment processing, the right POS, and a pricing model that fits your business.

  • Cash discount & surcharge programs
  • Clover, PAX & Dejavoo equipment options
  • One conversation. A clearer picture of your costs.
FEATURED POSCloverAt your counter. On your side.
Clover dual-screen countertop point-of-sale systemTap. Pay. Keep moving.
LET’S FIND YOUR FIT

Start with your business.

A few details. A personal conversation. No obligation.

01 / 03 · YOUR PAYMENTS
Not sure? We’ll compare the options with you, including cash discount and surcharge programs.
Your details go directly to the North Line team.
U.S. businessesTerms explained before you commitEnglish & Bangla
MORE WAYS TO GET PAID
VISAmastercardAMERICAN
EXPRESSDiscoverApple PayGoogle PayACH
Payment methods depend on the provider and approved account.
YOUR BUSINESS. YOUR PRICING.

Less guesswork. More ways to save.

Start with how you want to handle processing costs. We’ll help you compare the whole picture.

01 / KEEP MORE OF EACH SALE

Cash discount

0%processing-cost target*

Build processing costs into your posted card price and give customers a discount when they pay cash.

  • A genuine discount from the posted price
  • Clear pricing before checkout
  • Program eligibility reviewed with you
Explore this modelEligible programs may offset the merchant’s processing charges. Monthly, equipment and other fees can still apply. Final terms are quoted after review.
02 / SHARE ELIGIBLE CREDIT COSTS

Surcharge

Up to 3%customer credit-card surcharge*

Add a disclosed fee to eligible credit-card purchases to recover part of your acceptance cost.

  • Credit only; no debit or prepaid surcharge
  • Required notices and receipt disclosures
  • Review your actual remaining cost
Explore this modelSubject to acceptance cost, card-network limits and state rules. Never applies to debit or prepaid cards. A 1–1.5% remaining merchant cost is an example, not a guaranteed rate.
03 / TWO PRICES. A CLEAR CHOICE.

Dual pricing

Cash + cardboth prices shown upfront

Show the cash price and the full card price side by side, so customers know their total before paying.

  • Visible cash and card totals
  • Customer chooses how to pay
  • Compatible equipment reviewed first
Explore this modelA way to present prices, often paired with cash discounting. The terminal setup and displayed prices must follow the applicable program and local requirements.

Prefer to cover the processing fee yourself?

Compare these traditional models. All rates and account fees are discussed on your call.

04

Interchange-plus

Know what makes up your rate.

Network interchange and assessments, plus an agreed processor markup. Costs vary with the card and transaction.

05

Flat rate

Keep everyday pricing simple.

An agreed percentage and/or per-transaction fee. In-person, keyed and online payments may have different rates.

06

Subscription

A membership-style model.

A monthly fee plus network costs and agreed transaction fees. Compare the total against your payment volume.

07

Tiered pricing

Understand every pricing tier.

Transactions fall into rate categories. Review qualification rules and the full effective cost, not only the advertised starting rate.

GOOD TOOLS. BETTER CHECKOUTS.

Meet your next counter companion.

From a full POS to a compact terminal, let’s find a setup that works where you work.

COUNTERTOP POSClover payment equipment example

Clover

A connected point of sale

A countertop POS for sales, orders, and everyday business management.

Ask about this setup
SMART TERMINALSPAX payment equipment example

PAX

Payments that move with you

Explore portable smart terminals for flexible checkout around your business.

Ask about this setup
PAYMENT TERMINALSDejavoo payment equipment example

Dejavoo

Keep your checkout simple

Countertop payment terminals for everyday card and contactless transactions.

Ask about this setup

Illustrative hardware options. Model, stock, processor compatibility, software and pricing are confirmed during your consultation. Brand names and images identify their respective products; they do not imply an unconfirmed partnership.

PUT NUMBERS TO IT

What could a surcharge change?

Explore an example using your card volume and credit-card mix.

ILLUSTRATIVE MONTHLY BREAKDOWN
Current estimated cost$1,750
Recovered from eligible credit sales−$1,125
Remaining merchant cost$6251.25% effective rate

At the default inputs, 3.50% − (75% × 3%) = 1.25%. This is an example, not a quoted rate or guaranteed saving.

Review my actual statement

Planning estimate only. Assumes the entered credit share is eligible, the surcharge is permitted, and processing costs stay constant. Excludes additional monthly, equipment, per-transaction and surcharge-processing costs. Your credit acceptance cost, state rules and processor determine the allowed surcharge. Debit and prepaid transactions are never surcharged.

SEE THE DIFFERENCE

Different models. One informed decision.

What mattersCash discount / dual pricingSurchargeTraditional pricing
Customer seesPosted card price and a cash discount or cash priceA disclosed fee on eligible credit purchasesOne sale price, no program surcharge
Merchant costEligible processing costs may be offsetPart of credit acceptance cost can be recoveredMerchant pays the agreed processing charges
Debit / prepaidNo added card fee; follow approved posted-price setupNever surchargedMerchant pays applicable fees
Best starting pointReview posted prices and customer experienceReview credit mix, location and acceptance costsCompare total costs at your sales volume
A SIMPLE WAY FORWARD

From first conversation to your next sale.

01

Tell us about your business

Share your volume, location, current setup, and goals.

02

Compare your full costs

Review models, account fees, equipment, and written terms.

03

Choose the right setup

Move forward after eligibility and processor approval, with setup guidance.

CLEAR ANSWERS

Good questions. No small-print surprises.

Talk it through with our team in English or Bangla.

Let’s have a conversation
Does 0% mean absolutely no fees?

No. The cash discount program aims to offset eligible processing charges through properly posted prices. Monthly service, hardware, software, chargeback, and other account fees may remain. Your written proposal will show the applicable costs before you decide.

Will a 3% surcharge leave me paying 1–1.5%?

That outcome is possible in an illustration, but it is not a quote. The result depends on your current cost, eligible credit volume, debit mix, and additional fees. For example, 3.5% current cost minus a 3% surcharge on 75% of sales leaves 1.25% before additional costs. Use the calculator to explore the assumptions.

Can I surcharge debit cards or use the program in every state?

Debit and prepaid cards cannot be surcharged under Visa and Mastercard rules, even when a debit card is run as credit. Surcharge availability and disclosure requirements vary by location. We review your business location and the processor’s requirements before proposing a program.

Can I use Clover, PAX, Dejavoo, or my current terminal?

Tell us what you use and what you need. The devices shown are examples. Availability, model, software, processor compatibility, purchase or lease terms, and any equipment charges are confirmed during your consultation.

Can I accept online payments and ACH?

We can discuss an online gateway, virtual terminal, invoicing, recurring billing, and ACH alongside in-person payments. Availability, setup, security responsibilities, and transaction fees depend on the approved provider and your business.

YOUR NEXT CHAPTER STARTS HERE

Let’s make payments work for you.

A personal review. Clear options. A decision that’s yours.

Get my consultation