We're your neighbors in Federal Way. Let's fix your processing rate.
Our office is on 9th Ave South, and we've negotiated card processing for Federal Way businesses since 2010. Walk a statement in or text us a photo; we'll read it line by line, free, and tell you straight whether you're overpaying.
Our office, your block. Federal Way born, since 2010.
Where we work in Federal Way
We work the whole city in person, because we're already here. The program that fits a Commons retailer is wrong for a Pac Highway auto shop, and we set up for the difference.
The Commons & Town Center
Mall-adjacent retail, food court and service counters. Inventory-aware POS with clean card pricing, sized to the shop, not the chain.
How we set this up →Pacific Highway S corridor
The auto and service strip. Dealers and repair shops taking large card-present and keyed tickets, where interchange plus usually wins outright.
How we set this up →Twin Lakes & Campus Drive
Salons, spas and personal-care studios booking by appointment. Card-on-file and clean dual pricing that regulars never blink at.
How we set this up →Dash Point & Marine Hills
Neighborhood restaurants and family businesses. Fast terminals and compliant receipts, set up by someone who lives nearby.
How we set this up →Somewhere else in Federal Way?
West Campus, Steel Lake, Redondo, the SW 320th strip: if you run a Federal Way counter, the free statement read applies, and we can be there this week.
Get startedWhat a payment processing broker does for a Federal Way business
We're an independent merchant services broker, not a processor. We put banks and processors in competition for your Federal Way 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. Two Federal Way shops doing the same volume can sit a full point apart on rate and neither would know. We close that gap by making processors bid for your account, then re-audit so the bid stays honest.
Being local isn't a tagline here, it's the whole pitch. When a terminal hiccups during a Saturday rush, you're not calling a 1-800 queue in another time zone; you're texting a broker a few minutes away. That's the difference between a hometown broker and a processor's call center.
The Federal Way 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 Federal Way
We're based in Federal Way and work with Federal Way 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 Federal Wayand 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 Federal Way restaurant doing $50K a month at a 3% effective rate hands its processor $18,000 a year. On dual pricing, most of that stays in the register. That's real money for a business a mile from our office.
How dual pricing works →Federal Way questions, answered
You're actually based in Federal Way?
Yes, our office is at 33400 9th Ave South. We're not a national brand with a local landing page; we're a Federal Way business that has negotiated processing for this city since 2010.
What should a Federal Way business be paying to take cards?
Total fees divided by card volume is your effective rate. Healthy merchants we audit land between 2 and 2.5% on traditional pricing, or near 0% card cost on dual pricing. Over 2.5%, you're overpaying, and we see it constantly on local statements.
Is dual pricing legal in Washington?
Yes. Showing a cash price and a card price is legal in all 50 states. We configure the signage, register flow and receipts so the program runs compliantly from day one.
Can you come by this week?
Usually, yes. We're in town, so an in-person statement review at your counter is a short drive, not a scheduling project.
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 Federal Way business and grab it in person. One or the other, and the read is free.