Seattle is brutal on small-business margins. Your card fees are one cost you can cut.
We're payment brokers in Federal Way, negotiating processing for the Seattle metro 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 Ballard to Pioneer Square, in person or by upload. Since 2010.
Where we work in Seattle
Seattle isn't one market, it's a dozen neighborhoods. A Ballard brewery and a Capitol Hill cafe need different setups, and we configure for the difference.
Ballard
Craft breweries and independent restaurants on a dense strip. Fast terminals and dual pricing that protect thin food and beverage margins.
How we set this up →Capitol Hill
Cafes, bars and vintage retail with heavy nighttime volume. POS and card pricing sized to keep lines moving.
How we set this up →Fremont & Pike Place area
Boutiques, makers and specialty food. Inventory-aware setups and card pricing customers can read at a glance.
How we set this up →Pioneer Square & downtown
Restaurants and storefront retail with high commercial rents. Every point of card fee matters more here.
How we set this up →Somewhere else in Seattle?
West Seattle, the U-District, Columbia City, Georgetown: if you take cards in Seattle, the free statement read applies.
Get startedWhat a payment processing broker does for a Seattle business
We're an independent merchant services broker, not a processor. We put banks and processors in competition for your Seattle 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 Ballard brewery and a Fremont boutique doing similar volume can be a full point apart on rate and never know. We make processors bid for your account, then re-audit so the bid stays honest.
Seattle is one of the most expensive cities in the country to run a small business: commercial rents, wages and B&O tax all push the same direction. Card processing is one of the few line items you can actually negotiate down, and most independents have never had anyone do it for them. That's the entire job of a broker.
The Seattle 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 Seattle
We're based in Federal Way and work with Seattle 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 Seattleand 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 Seattle restaurant doing $80K a month at a 3% effective rate hands its processor $28,800 a year. On dual pricing, most of that stays in the business, which in this city can be the margin that keeps the doors open.
How dual pricing works →Seattle questions, answered
Are you local to Seattle?
We're based in Federal Way, in the metro, and we work Seattle merchants in person and by upload. You get a real broker you can reach, not a national call center.
Rents and wages are crushing me. Can payments really help?
Card fees are one of the few costs you can negotiate. We routinely find merchants paying a half to a full point more than they should, and dual pricing can move most of the card cost off your books entirely.
Is dual pricing legal in Seattle?
Yes, statewide. We configure compliant signage, register flow and receipts from day one.
What should a Seattle 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 Seattle business and grab it in person. One or the other, and the read is free.