Pricing
Three ways to pay, all quoted as a percentage plus a fixed fee per transaction. Interchange and scheme fees appear as separate lines on your statement, so you can see what is ours and what is the network.
Up to £1m per month
1.4% + 20p
per transaction
No monthly fee
Blended pricing with nothing to negotiate. Suits companies processing under one million pounds a month who want the rate on the website to be the rate on the statement.
£1m to £15m per month
1.1% + 15p
per transaction
£249 per month
A lower blended rate and a faster settlement cycle, for companies whose volume is predictable enough to commit to. Most merchants above a million a month land here.
Above £15m per month
0.3% + 9p
per transaction
£950 per month
Interchange and scheme fees passed through at cost with a fixed Northgate margin on top. Priced against your own mix, so it wins on debit-heavy volume and on card-present.
Included everywhere
Estimate
Arithmetic on the figures you enter, using the published rates. It estimates card processing fees only, and excludes chargeback and interchange variance.
Rate 1.4% + 20p
Rate 1.1% + 15p
Rate 0.3% + 9p
An estimate for comparison only, not a quote. Interchange Plus is shown with the Northgate margin applied to volume; interchange and scheme fees are passed through at cost and vary by card type.
Common questions
Card volume settles on T+1 by default, cut off at 22:00 UK time, with funds in the nominated account by 07:00 the following working day. T+0 settlement is available on the Scale tier for merchants trading above one million pounds a month. Payouts over Faster Payments clear in seconds and SEPA Instant within ten seconds.
No minimum term on Standard or Scale, and thirty days notice either way. Interchange Plus is a twelve-month agreement because it is priced against your own volume mix. We do not use early termination fees.
Yes. We run a PCI-compliant bulk import with your current provider, and your stored credentials arrive as network tokens on our side. A migration of two million credentials typically takes nine working days end to end, most of which is waiting on the incumbent.
The status page updates within four minutes of detection, with an owner named. Authorisation traffic fails over between our London and Frankfurt regions automatically. A written post-incident review is published within five working days, including the timeline and the remediation.
Yes. You can onboard sub-merchants under our licence with KYB handled by our onboarding API, or operate under your own permission and use us purely for acquiring. Split settlement is computed at authorisation, so the seller ledger is correct before the money moves.
Every account has a named implementation engineer for the first ninety days. After that, technical support is answered by engineers on rota, with a fifteen-minute response target on production-impacting issues for Scale and Interchange Plus.
Next step
A sandbox key is issued in the console without a sales conversation, and it returns the same error codes production does. When you are ready to talk commercials, an engineer takes the call.