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North (North American Bancard)C60

Platform & Vertical SaaS · Small and mid-sized US retailers, restaurants and service businesses that want a single vendor for terminal…

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Overview

$40

Best for: Small and mid-sized US retailers, restaurants and service businesses that want a single vendor for terminals, POS software and processing, and who will take the published month-to-month plan rather than a salesperson's paper.

Strengths

  • + Publishes real POS rates — 2.69% in person, 3.49% + $0.19 keyed — which most ISOs of this size do not
  • + Genuine scale and in-house processing: more than $100 billion a year in transaction volume by the company's own figure
  • + Month-to-month service is available and North states it does not require a long-term contract, so a punitive term is avoidable if you insist on it in writing
  • + One vendor covers terminals, POS software, gateway, gift and loyalty, ATM and funding, which suits a business that does not want four suppliers
  • + PayTrace brings credible Level II/III interchange optimisation for B2B merchants — a real cost saving on commercial cards
  • + A+ rating and BBB accreditation held since 2001, so the corporate entity is long-established rather than a rebranded startup

Trade-offs

  • – Accounts of the contract conflict: some reviewers report a 36-month agreement with a liquidated-damages termination clause — the remaining term, minimum $295, not a capped fee — while others find no long-term commitment at all
  • – The 2024 rebrand reset the public review record: a fresh Trustpilot profile claimed for north.com in October 2024 now sits in front of the older, larger North American Bancard profile, and the Google Business Profile was removed rather than carried over
  • – Customer sentiment is poor: third-party summaries report a BBB customer-review average near 1.2 out of 5 across around 50 reviews, and BBB's own complaint page records 25 complaints closed in the last three years, 18 of them in the last twelve months — all despite the A+ rating
  • – Ecommerce pricing is not published, so the transparency stops exactly where comparison shopping starts
  • – A sales-partner network of 3,000-plus means the agreement you are offered depends on which reseller found you, and terms vary widely
  • – Recurring complaints about undisclosed charges — PCI compliance fees reported from around $79, equipment lease cancellation costs and automatic enrolment in add-on programs such as MyBizPerks after a free period

Fees in detail

  • Online rate: Quoted per merchant — North's pricing page lists ecommerce as custom priced
  • Contract: Disputed. The published POS plans are billed monthly and North states it does not require a long-term contract; some third-party reviewers report that agreements written through its sales channel run 36 months with automatic renewal

Standard published rate for a domestic online card payment. Confirm current pricing on North (North American Bancard)'s pricing page.

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