For years, businesses were taught to shop for payments based on:
At that point, payments stop being a commodity and start becoming infrastructure.
That’s why we don’t sell “merchant accounts.”
We design payment systems.
At the core of our solutions is NPSONE — a unified platform designed to support multiple payment models without forcing businesses to stitch together disconnected tools.
NPSONE allows businesses to:
Think of it less like a processor — and more like a payment operating system.
Rather than listing products in a dropdown menu, we organize our solutions into four core categories. Each reflects a different way businesses operate and generate revenue.
Many businesses fit into more than one category — and that’s exactly the point.
Built for businesses that don’t get paid at the counter.
If your business sends invoices, manages accounts receivable, or bills customers over time, traditional POS systems fall short quickly.
Our Smart Invoicing & Billing solutions are designed for:
Best for: B2B, service-based, and subscription businesses
Built for businesses that sell where the transaction happens.
Retailers, restaurants, and hospitality businesses need more than a terminal system. They need a system that connects inventory, staff, payments, and reporting.
Unlike entry-level POS systems that businesses outgrow, our solutions are enterprise-grade — built to support Growth, expansion, and complexity.
Best wishes to: Retail and hospitality operators
Built for software companies and platforms that want to have the payment experience.
If you’re building software, running a marketplace, or operating a platform, payments shouldn’t feel bolted on.
Best for: Software and platform businesses
Built for businesses operating at scale — or under scrutiny.
The goal isn’t just approval — it’s sustainability.
Best for: Complex or high-volume operations
Many payment companies lead with feature lists.
We lead with architecture.
Why? Because features can be added.
Bad architecture becomes expensive to unwind.
A well-designed payment system:
That’s what NPSONE is designed to do.
One of the biggest mistakes growing businesses make is choosing payment solutions that only solve today’s problems.
Then growth happens — and everything breaks.
We design payment systems that:
That’s why strategy comes before setup.
Ready to join the fintech revolution? You can sign up directly through our merchant onboarding link and live in as little as 24 hours.
CLICK HERE TO FIND MORE ABOUT OUR PROGRAMS
For most merchants processing over $25K per month, Interchange-Plus is the most cost-effective model as it provides the most transparency and the lowest overall markup.
Flat-rate is simple but often more expensive as the provider builds in a large buffer. Interchange-Plus breaks out the “true cost” (Interchange) and the processor markup separately, ensuring you only pay for what you use.
Yes — through Dual Pricing or Cash Discount programs. These models allow businesses to offset or eliminate processing costs by providing a lower price for non-card payment methods.
These are significantly reduced interchange rates reserved for B2B transactions. To qualify, merchants must provide enhanced data (like tax amounts and PO numbers) with the transaction.
Tiered models group different card types into buckets (Qualified, Mid-Qual, Non-Qual). Often, the majority of transactions are pushed into “Non-Qualified” tiers, resulting in much higher fees than expected.
At least twice a year. Card networks (Visa/Mastercard) and processors adjust their underlying rates and fee structures frequently, typically in April and October.
No. Interchange fees are set by the card networks and are the same for every processor. However, your processor markup and the pricing structure are highly negotiable.
Request a free statement review from NPS. We analyze your current fees to determine your “true effective rate” and identify where you can save.
Surcharging is legal in most states for credit cards but is prohibited on debit cards. NPS ensures your setup follows all Visa/Mastercard compliance rules to avoid fines.
Absolutely. We don’t believe in “one size fits all.” We design custom programs based on your specific volume, industry risk, and long-term business goals.
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