Our Promise...
Free, Simple, Honest Payment Advice
Let us help you find the best deals possible
Built on Northern Ideals of Honesty,
Integrity, and Caring for Our Community.
At Northern Payments
We simplify card payment processing for businesses across the UK and Europe.
With nearly a decade of experience, we offer:
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✅ Free, honest, and impartial advice tailored to your needs.
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✅ Support for online payment gateways, card machines, and EPOS integrations.
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✅ Help negotiating the best UK & EU merchant account rates.
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✅ Ongoing support so you can focus on growing your business.
Trust Northern Payments to make payment processing simple, transparent, and stress-free.
How It Works
1. Inquire
Fill in your details and one of our expert team will be in touch to discuss your personal requirements.
2. Quotes
Within 24 hours receive tailored quotes from our panel of approved banks straight to your inbox.
3. Account Setup
Get setup within an average 3-4 working days with your chosen merchant bank based on our acceptance criteria.
Our Pricing Promise
We believe in fair, upfront, and transparent pricing. With Northern Payments, you’ll never encounter hidden costs or surprises. Here’s what makes our pricing stand out:
- Clear and Simple Terms
- No Hidden Fees
- Fixed Flat Pricing Structure
- Choice of Providers Scored on Price, Service, Reliability, and Product
Payment Options
We handle the legwork, negotiate the best deals, and offer ongoing support, so you can focus on growing your business.
Point of sale solutions
Pick from a range of card readers and EPOS systems, tailored to your requirements.
- Stand alone card machines, featuring the latest android touch pad functionality, both portable GPRS/WIFI and ethernet or Bluetooth countertop options available.
- EPOS till systems designed to offer an all-in-one management platform, from initial order placement, stock control, loyalty program and detailed reporting suites that keep your business running smoothly.
- Taptopay app-based payment processing, perfect for small businesses wanting to keep overheads low. Downloadable app straight to any apple or android based device. Start taking payments in minutes!
Online Payments
Full range of shopping cart and bespoke API/HPP gateway plugins available
- Choice of shopping cart integrations including Shopify, WordPress/WooCommerce , Magento2, Prestashop, Wix, BigCommerce across all industries.
- Looking for a more bespoke solution, integration to Quickbooks, Xero, Sage, or your companies CRM for accounting and streamlined reporting purposes. We can help find a solution.
- Browser based webform pay now requests or pay by link services, send requests for payments to your clients through instant messaging or embedded links on invoices. 3DS secure payments insuring your protected against fraud and risk of chargebacks.
Payments over the phone
Browser based portal for taking virtual payments over the phone.
- Virtual terminal payments allow for greater flexibility in how you take customer not present transactions. Set admin access to employee dashboards with unlimited staff sub logins and site reference descriptors tailored to your needs. Perfect for office or home-based businesses without a customer facing requirement.
- Accessible from any internet-based device, phone, tablet or computer. Take advantage of easier reporting through an in-dashboard transaction search feature. View pending, settled or declined payments instantly and issue refunds straight away.
- Take domestic and international payments from clients within sepa and non–sepa countries.
Merchant Cash Advance
Access quick and flexible financing tailored to your business’s daily cash flow.
- Get funding within 24–48 hours.
- A percentage of your daily card sales automatically goes toward repayment.
- Enjoy a transparent flat fee with no surprises.
Bank Accounts
Simplify your financial management with business-friendly bank accounts.
- Open a business bank account online in just minutes.
- Enjoy competitive rates with no hidden charges.
- Seamlessly link your bank account with payment processing tools.
Industry Insights
Read through our latest blog posts on key industry trends within the card payment industry.
Vape Merchant Account Setup Guide for UK & EU Retailers
Join Bob as he explores the UK & EU’s booming vape scene — uncover the payment challenges and expert tips every vape business needs to know.
How to Set Up a CBD Payment Account (UK & EU Guide for 2025)
Many CBD businesses struggle to get approved for card payments due to strict regulations, THC limits, and high-risk classifications. In this guide, Yorkshire Bob explains what UK & EU retailers need to know to stay compliant and secure a reliable merchant account.
Travel Merchant Payment Guide (UK & EU Overview for 2025)
Bob’s Back with a Boarding Pass! In this mini blog series, Yorkshire Bob unpacks the challenges of accepting payments in the travel industry — from ATOL compliance to merchant setup tips. Whether you’re launching a coach tour or beach break site, Bob explains how to stay compliant, reduce fees, and get approved faster.
