Help & FAQs


What is a merchant account?

A merchant account allows a business to accept debit or credit card payments, either in-person, online or by telephone. Learn more »

What is payment processing?

Payment processing, also known as credit card processing, allows a business or organization to authorize and accept payment cards such as Visa, MasterCard, American Express, Discover, JCB and more, as well as debit payments such as Interac, and have the funds deposited into the business bank account. Learn more »

How do I accept credit cards with my smartphone?

Using a smartphone or tablet, you can accept Visa, MasterCard and American Express with GoMobile by NorthPay. It is a square credit card swiper that attaches to the audio port of your mobile device. Download the free app, available on iPhone, Android and BlackBerry platforms, and simply swipe your client's credit card to process the payment. Learn more »

What is a chargeback and how do I prevent chargebacks from occuring?

When a credit card holder disputes a particular transaction and related charges, they can contact the bank that issued their credit card and request that the funds for the disputed charges are returned. This then results in a deduction to the merchants account for the sale amount. This adjustment to the merchants account is what is known as a chargeback. Learn how to prevent chargebacks »

What is a flat fee merchant account?

A flat fee merchant account, or affordable rate payment processing, is considered the payment processing industry's most fair type of rate structure. It allows you to accept payment cards at a affordable rate and not be charged extra for rewards cards, cash back cards, government cards or any other non-standard type of credit card. NorthPay provides affordable rates and no hidden fees. Contact us to receive a no obligation, free rate quote: click here »


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