Kirkland's waterfront draws a crowd. Keep more of what they spend.
We're payment brokers based in Federal Way, negotiating processing for the Eastside 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.
From Park Lane to Carillon Point, in person or by upload. Since 2010.
Where we work in Kirkland
Kirkland's walkable waterfront keeps boutiques and restaurants busy. The right setup fits an independent shop, not a chain.
Downtown & Park Lane
A pedestrian retail corridor of boutiques, galleries and restaurants. Fast terminals and dual pricing that protect margins on every ticket.
How we set this up →Carillon Point
Marina-side dining and upscale waterfront retail. Card-on-file and clean receipts for premium tickets.
How we set this up →Moss Bay & Juanita
Waterfront shops and casual dining. Inventory-aware POS and card pricing customers can read.
How we set this up →Service & wellness studios
Salons, spas and appointment businesses. Card-on-file, recurring billing and compliant dual pricing.
How we set this up →Somewhere else in Kirkland?
Totem Lake, Houghton, Rose Hill: if you take cards in Kirkland, the free statement read applies.
Get startedWhat a payment processing broker does for a Kirkland business
We're an independent merchant services broker, not a processor. We put banks and processors in competition for your Kirkland 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 Park Lane boutique and a Carillon Point restaurant 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.
Kirkland's lakeside downtown supports an unusually high share of independent, women- and BIPOC-owned shops, exactly the operators big processors overcharge because no one negotiates for them. A broker puts that missing person on your side of the table, and the waterfront foot traffic means the savings compound fast.
The Kirkland 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 Kirkland
We're based in Federal Way and work with Kirkland 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 Kirklandand 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 Kirkland restaurant doing $70K a month at a 3% effective rate hands its processor about $25,200 a year. On dual pricing, most of that stays with the business.
How dual pricing works →Kirkland questions, answered
Are you local to Kirkland?
We're based in Federal Way and work Eastside merchants in person and by upload. You get a real broker you can reach, not a call center.
I run an independent shop. Is this worth it?
Especially for you. Independents are the ones processors overcharge most. The free statement read costs nothing and usually finds money.
Is dual pricing legal in Kirkland?
Yes, statewide. We configure compliant signage, register flow and receipts from day one.
What should a Kirkland 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 Kirkland business and grab it in person. One or the other, and the read is free.