NorthlinePAYMENTS
Get approved →
Accepting new merchants · Underwriting daily

The banks said no.
We underwrite the yes.

Payment processing for the businesses everyone else won't touch. Real underwriters, honest pricing, and a straight line from application to approved.

Get approved → See real pricing
No application fee · No obligation · 15-minute call, then one form
24–48h
typical underwriting time
16
hard verticals, each with its own playbook
$0
application & setup fees
T+1
funding on most accounts
Who we serve

Hard verticals are our whole business.

If Stripe, Square, PayPal, or your bank shut you down — that's not a red flag here. It's our Tuesday. Every vertical below has its own page, its own underwriting playbook, and its own booking form.

CBD & hemp banned by Stripe Firearms & FFL banned by PayPal Subscriptions high CB Telehealth & peptides emerging Coaching & courses high ticket Nutraceuticals banned by Square Credit repair regulated All 16 industries →
How it works

One call. One form. One approval.

01 · TODAY

Book the call

15 minutes with the underwriter who places your file — not a sales script.

02 · SAME DAY

One application

10 minutes, once. Shaped to the bank most likely to approve your vertical.

03 · 24–48H

Underwriting

Real humans, real files. Terminated before? That changes routing, not outcome.

04 · THIS WEEK

You're live

Gateway keys or terminal, processing with next-day funding.

The whole process, mapped →
Pricing

Priced by risk. Shown in full.

Interchange-plus, always. Published, itemized, and confirmed in underwriting — honest ranges, not bait.

Standard risk
IC + 0.40% + 15¢ / txn
  • Effective ≈ 2.2–2.6% all-in
  • $15/mo · no setup, no annual
Most of our merchants High-risk e-commerce
IC + 1.15% + 25¢ / txn
  • Effective ≈ 3.1–3.8% all-in
  • IC + 0.80% past $100k/mo
Hard to place
Custom quoted on your file
  • Typically 3.9–5.9% all-in
  • Written reserve schedule, always
Every fee, worked examples, reserve math →
Why merchants stay

Built for the second chance — done right the first time.

No surprise shutdowns

Stripe approves in seconds and terminates in months. We underwrite properly up front, so the bank that approves you actually wants your business.

A human who answers

You get a named account manager and a direct line. Disputes, bank questions, gateway issues — one call, not a ticket queue.

Your history isn't a verdict

Terminated, MATCH-listed, high chargebacks — we've placed all of it. It changes which bank we route you to, not whether we'll work with you.

Straight answers

The questions everyone actually asks.

I've been terminated / I'm on the MATCH list. Can you still place me? → Will I have a rolling reserve? → How fast can I actually be processing? →
All questions, answered plainly →
Ready when the banks aren't

Fifteen minutes to a real answer.

Book the call. If we can't place you, we'll say so on the spot — and tell you who might.

Get approved →