Des Moines runs on its waterfront. Keep more of what the marina brings in.
We're payment brokers based in Federal Way, negotiating processing for the South Sound since 2010. One statement gets you a free line-by-line read; if we can't beat your deal, we'll tell you to keep it.
In person from the Marina District to the waterfront. Since 2010.
Where we work in Des Moines
Des Moines is a waterfront town with a seasonal rhythm. A marina seafood spot and a downtown boutique need different setups, and we build for both.
Des Moines Marina District
Waterfront dining, seafood and specialty retail drawing regional boaters. Fast terminals and dual pricing that protect margins through the busy season.
How we set this up →Downtown waterfront
Boutiques, galleries and cafes on a walkable core. Inventory-aware POS and card pricing customers can read.
How we set this up →Marine View Dr corridor
Service businesses, salons and clinics. Card-on-file, recurring billing and compliant dual pricing.
How we set this up →Pacific Hwy S strip
Auto, repair and everyday retail taking larger tickets, where interchange plus often wins.
How we set this up →Somewhere else in Des Moines?
Woodmont, Zenith, the 216th business strip: if you take cards in Des Moines, the free statement read applies.
Get startedWhat a payment processing broker does for a Des Moines business
We're an independent merchant services broker, not a processor. We put banks and processors in competition for your Des Moines payment processing, so your credit card rates drop without changing how you take cards.
Processing is priced like used cars: published wholesale cost, invisible markup. A marina restaurant and a downtown boutique doing similar volume can be a point apart on rate and never know. We make processors bid for your account, then re-audit so it stays honest.
A waterfront economy is a seasonal one: summer Saturdays at the marina and the farmers market carry the year. When your busy months have to cover the slow ones, every point of card fee you give away in season hurts more, which is exactly why a rate review pays for itself here.
The Des Moines setup, end to end
- Statement read, free
Your real effective 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 configured compliant
Dual pricing signage, register flow and receipts done right the first time.
- Local support after
Something breaks on a Saturday, you text a person you've met, not a 1-800 queue.
Local to Des Moines
We're based in Federal Way and work with Des Moines businesses across the South Sound. Same broker, same number, whether we read your statement by text or in person.
Federal Way, WA 98003Call or text 253-799-0640
Serving Des Moinesand the greater Seattle–Tacoma area since 2010.
Every review we have is five stars. All 79.
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 Des Moines waterfront restaurant doing $50K a month in season at a 3% effective rate hands its processor about $18,000 a year. On dual pricing, most of that stays in the till for the slower months.
How dual pricing works →Des Moines questions, answered
Do you cover Des Moines in person?
Yes. We're minutes south in Federal Way; statement reviews at your counter, installs on site, and a broker you'll meet in person.
My business is seasonal. Does that change anything?
It raises the stakes. When your summer has to carry the year, the card fees you give away in season cost more. A rate review or dual pricing keeps more of the busy months with you.
Is dual pricing legal in Des Moines?
Yes, statewide. We configure compliant signage, register flow and receipts from day one.
What should a Des Moines business pay to take cards?
Effective rate is total fees over card volume. Healthy merchants land 2 to 2.5% traditional, or near 0% card cost on dual pricing. Over 2.5%, you're overpaying.
What does the rate analysis cost?
Nothing. One recent statement, read line by line: your real effective rate, the junk fees, and the number we'd 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 Des Moines business and grab it in person. One or the other, and the read is free.