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Payments from the company behind your POS

Restaurant payment processing with nothing hidden in the statement.

NorthStar Pay is payment processing from the company behind your POS. One pricing model, Cost Plus. One custom rate, built around how your restaurant actually takes money. And a team that helps you fight chargebacks instead of just forwarding the notice.

Send us your statements How Cost Plus works
Cost Plus
The only pricing model we use
$1,000s
Saved per month for our clients
1 rate
Built for your business, not pulled off a rate card

Cost Plus pricing

Every card payment has three costs. We only add one of them.

Interchange is set by the card networks. Dues and assessments are set by the card brands. Neither is ours to mark up, so we don't. We pass both through at exact cost and add one nominal processing fee that sits on its own line where you can see it.

That's Cost Plus, also known as interchange-plus pricing. It is not a pricing tier or a promo. It is the only way we price. If a line on your statement doesn't match one of these three, you shouldn't be paying it.

What you can hold us to

Three promises. All of them show up on paper.

No hidden fees
No blindsides at month end.

No extra transaction fees or markups that appear after you signed. What we quote is what you see.

Clear pricing
Rates you can read.

Easy to understand rates, so you know what processing costs you without calling someone to translate the statement.

Custom-built rate
Priced for your business.

Our payment team builds your rate from how you actually run: your card mix, your volume, your channels.

What's in NorthStar Pay

Restaurant payment processing that does more than move money.

Anywhere

Take payment your way

In store, online, or from a mobile device. One processor across every place a guest pays you.

POS

Built into NorthStar

Payments run inside the NorthStar POS and work with most of your existing partners, including online ordering and web shopping carts. No partner gets to dictate your processing.

Disputes

Chargeback support

We tell you about pending chargebacks early and help you write responses that win. You keep more of the money you already earned.

Back office

Virtual terminals and APIs

Key in payments without a terminal, and connect processing to your billing and accounting systems so the numbers flow without re-entry.

Interchange

Lower interchange, by the rules

We use card association rules to qualify transactions for lower interchange where they're eligible. Same cards, smaller cost.

Compliance

TIN validation

Mismatched Tax ID records lead to IRS penalties and withheld funds. We check yours against IRS standards when you move over, before it can cost you.

Guest paying by card at the table in a restaurant using NorthStar Pay restaurant payment processing

Switching to NorthStar Pay

It starts with a few statements.

You don't need a sales cycle to find out what you should be paying. Send us your last 3 to 4 months of settlement statements and our payment team does the rest.

Step 01

Send

3 to 4 months of statements.

Upload settlement statements from your current processor for the last few months. That's all we need to start.

You end up withA real starting point, not a sales pitch.
Step 02

Review

We take it apart.

Our payment experts separate what the networks charged from what was added on top.

You end up withA clear view of where your money goes.
Step 03

Rate

Built for you.

We build a Cost Plus rate around your card mix, volume, and channels, and walk you through it.

You end up withOne rate, explained line by line.
Step 04

Move

Clean transition.

We validate your TIN records and set processing up inside NorthStar before you go live.

You end up withPayments on NorthStar, no IRS surprises.
$1,000s
Saved per month for our clients

Keep what you save. Fight what you're charged back.

We have saved our clients thousands of dollars a month on processing. Then we help protect it: when a chargeback lands, we get involved instead of forwarding the notice and wishing you luck.

  • Early warning. We notify you of pending chargebacks proactively, not after the deadline.
  • Responses that hold up. We help you build the response, not just file it.
  • One number for POS and payments. Our 24/7 help desk is staffed by CBS employees.
  • No vendor ping-pong. Payments come from the same company as your POS, so a payment question starts with one call.

Questions operators ask

NorthStar Pay, answered.

What is Cost Plus pricing?
Cost Plus pricing, also called interchange-plus, passes through the exact interchange, dues and assessments the card networks and brands charge, then adds one nominal processing fee on top. Our fee is shown separately on your statement, so you can see exactly what goes to the networks and what comes to us.
Are there hidden fees with NorthStar Pay?
No. There are no extra transaction fees or markups added at the end of the month. Your statement shows pass-through costs at cost and our processing fee on its own line. If something on it doesn't fit those categories, call us.
How is Cost Plus different from flat-rate or tiered pricing?
Flat-rate pricing charges one blended percentage on every transaction, so you pay the same markup on a low-cost debit card as on a premium rewards card. Tiered pricing sorts transactions into buckets like qualified, mid-qualified and non-qualified, and the processor decides which bucket each one lands in. Cost Plus skips both: you pay the actual interchange, dues and assessments on each transaction, plus our one visible fee, so every line can be checked.
Why don't you publish your rates?
Because a fair rate depends on your business: card mix, volume, and where you take payments. A published rate card would be wrong for most restaurants. Send us your recent statements and our payment team will build a rate for you.
What do I need to get a rate?
Settlement statements from your current processor for the last 3 to 4 months. Upload them on our statements page and our payment experts will review them and come back with a custom Cost Plus rate.
Does NorthStar Pay work with the NorthStar POS?
Yes. NorthStar Pay is integrated with the NorthStar restaurant POS and works with most of your existing partners, including online ordering partners and web shopping carts, so no third party can force its own processing on you.
Can I take payments online and on mobile?
Yes. NorthStar Pay handles in-store, online and mobile payments, plus virtual terminals for keyed transactions and APIs that connect to your billing and accounting systems.
How do you help with chargebacks?
We notify you of pending chargebacks proactively and help you craft effective responses. You get a real shot at reversing it instead of simply absorbing the loss.
What is TIN validation and why does it matter?
Your Tax Identification Number records have to match IRS standards. When they don't, you risk penalties and withheld funds. We validate your TIN information as part of your move to NorthStar Pay so that never becomes your problem.

Send us your statements. We'll show you where the money goes.

No obligation, no rate card. Our payment team takes them apart and builds a Cost Plus rate for your restaurant.

Submit your statements Talk to our payment team
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