NorthlinePAYMENTS
Get approved →
Accepting new merchants · Underwriting daily

The banks said no.
We underwrite the yes.

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
Shut down by Stripe, Square, or PayPal?
Bring the termination email to your call — it tells us exactly which bank to route you to. Most rescues are processing again inside a week.
Book the rescue call →
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 Nutraceuticals banned by Square Firearms & FFL banned by PayPal Vape & e-cig banned by Stripe Subscriptions high CB Coaching & courses high ticket Credit repair regulated Debt services regulated Travel & tours delayed delivery Tickets & events delayed delivery Telehealth & peptides emerging MLM & direct sales hard to place Dating platforms card-not-present Warranties future delivery Moving & transport high CB 18+Adult (18+) restricted All 16 industries full directory
Don't see yours? If it's legal and documented, there's usually a bank for it. Ask underwriting directly →
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 →
Where the money goes

Every basis point, accounted for.

Interchange-plus means the split is visible. Watch it move.

CARD $100 Your customer pays you VISA·MC −$1.80 Networks & issuing banks interchange — set by Visa/MC, same for everyone NLINE −$1.25 Northline our stated margin — you see it on every statement YOU $96.95 Your bank account funded next business day
$

Your customer pays $100.00

−

Networks take $1.80

Interchange — set by Visa/Mastercard, identical for every processor.

−

Northline takes $1.25

Our stated margin. It's on every statement.

✓

You're funded $96.95, next day

~1.8%
Interchange — the card networks' cut. Fixed. Nobody can discount it; anyone who says otherwise is hiding it in your rate.
+1.15%
Our margin, quoted plainly at signup. High-risk verticals pay more than low-risk — but you'll always know exactly how much.
T+1
Settlement to your account next business day on most accounts. Reserves only where an acquiring bank requires them — with a written release schedule.
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 →
Bring your stack

Keep your cart. Keep your gateway.

GATEWAYSAuthorize.netNMIUSAePay
CARTS & PLATFORMSWooCommerceShopify*BigCommerceMagentoClickFunnels
CUSTOMREST APIHosted fieldsWebhooksVirtual terminal

Migration is usually a credentials swap, not a rebuild. *Shopify via supported high-risk flows — ask on the call.

Why merchants stay

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

Built for high-risk

Hard verticals aren't the exception here — they're the entire book.

Approved in 24–48h

Real underwriting, fast — because the file is shaped right before it's submitted.

A human on your file

Named underwriting contact, direct line. No ticket queues.

Scales with you

IC + 0.80% kicks in automatically past $100k/mo. Multi-bank routing grows with volume.

Straight answers

The questions everyone actually asks.

I've been terminated / I'm on the MATCH list. Can you still place me?
Almost always, yes. MATCH narrows which banks take your file — it doesn't zero them out. Expect honesty about pricing and reserves before you sign anything.
How fast can I actually be processing?
Docs ready → most files clear underwriting in 24–48 hours and are live the same week. Complicated files take longer, and we say so upfront.
Will I have a rolling reserve?
Only if the acquiring bank requires one — typically 5–10% on a 6-month cycle, with the release schedule in writing. See the diagram →
Is there a contract or termination fee?
Month to month, $0 early termination. We keep merchants by being good at this, not by locking the exit.
All questions, answered plainly →
15 minutes · no obligation

Put a real underwriter on your calendar.

  • A straight answer on the call — can we place you, at roughly what rate
  • No SSN, no credit pull, no sales script
  • Hold the slot in 60 seconds; finish the application whenever suits
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.

✓ $0 application✓ No obligation✓ Month-to-month✓ 24–48h underwriting
Get approved →