ISV Solutions

isv

Partner with a payments company who understands the unique needs of ISV partners. The North platform offers functionality to cover a variety of merchant services, from POS, to processing and settlement, to back office functions. For each of these services, we can offer whitelabeled versions of the consumer- and merchant-facing features, and expose API endpoints so you can offer your own branded payments solutions.

use cases

Create merchant accounts and manage portfolio data.

Sales-facing dashboards let your teams manage their merchant accounts with access to portfolio data at a macro and micro level. And if you have an existing dashboard, simply add these API requests to unlock next-level FinTech functionality.

Merchant Reporting APIGive sales teams access to comprehensive merchant portfolio data.

Merchant Boarding APIGive sales teams the power to manage merchant boarding programmatically.


featuresPlatform Features
Semi-integrated and fully integrated payment solutions
Safe and secure hosted payment pages
Cutting-edge shopping cart extensions
Access to multiple payment gateways
Payment acceptance for storefront, mobile, or online channels, all reconciled in one place
A wide range of checkout options including swiped, keyed, PIN debit, EMV, digital wallets, NFC contactless, hosted payment widgets/forms, and cart plugins
Developer Highlights
Access to sandbox environments to ensure seamless integrations
Love for any programming language and platform, like PHP, Ruby, iOS, Android, and more
Easy-to-use APIs and SDKs
Most products are PCI- and EMV-certified, meaning you don’t need any additional certifications.
Merchant Highlights
Enhanced security including PCI compliance, Point-to-Point-Encryption (P2PE), tokenization, and Two-Factor Authentication (2FA)
An online application system that makes it easy to set up your merchant account
Access to our secure, online merchant portal that includes in-depth reporting and analytics
Enterprise-level payment management and reconciliation
Total sales and marketing support, and award-winning customer care
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Payments

We offer diverse payment and transaction solutions to handle any payment method that’s presented. Accepted payment types include VISA, Mastercard, American Express, Discover, JCB, and Diners Club.


Online Payments
Customers can pay in a number of currencies by entering their card information or using a mobile wallet solution with our customized, hosted payment form that integrates seamlessly on your ecommerce site.
Redirect to a hosted payment page during checkout.
Use our iFrame JavaScript SDK integration within the merchant’s own checkout page. This puts card and Card Verification Value (ex., CVV, CVC, CSC) fields into an iFrame and returns a token to the checkout page for processing payments from the merchant’s backend
Merchants with WooCommerce or BigCommerce stores can accept payments directly within their store
In-Person Payments
Make each face-to-face experience count. You’ll be ready to welcome EMV chip, PIN debit, contactless, keyed, and mobile wallet payments — all in multiple currencies. Browse our Hardware page to find the device that’s right for you. Take your pick from PAX, Ingenico, MagTek, and more.
Accept payments from a mobile device via an iOS or Android app
Combine a custom app with a PAX or Ingenico card-reading device
Add credit card acceptance of all kinds to a mobile device, POS system, or website.


ISV Integrations
We make it easy for ISVs to grow your portfolios. You’ll be able to get your solution in front of more Sales Partners and merchants than ever before by joining our ISV Marketplace. To join today, call 877.840.1952 or get in touch.

Boarding

Our flexible merchant boarding processes are designed to integrate seamlessly with your business. An application can be submitted and signed completely electronically with just a bit of information from merchants. Our merchant contracts and onboarding communications can be whitelabeled, and the onboarding process can even accommodate partners who want to take on some or all underwriting liability. Onboarding can be completed through our Merchant Boarding API or the Payments Hub portal, which provides a user interface for agents and merchants to complete digital enrollment applications.

The Merchant Boarding API provides a means to integrate your portals and systems into our processes. It allows you to simply provide merchant information during the boarding process or maintain a separate relationship with your merchants and supplement our boarding process with your own.

Boarding using the Merchant Boarding API typically follows one of two paths. ISV users can create a new application with minimal data, then call an endpoint that will email a link to the merchant to finish and sign the application. This endpoint is called “Send application by external key for merchant completion.”

ISV users can also collect and submit all merchant information. This can be done using an endpoint that gets a PDF of the full application, which can be appended to another agreement, or users can collect their own merchant signatures. For additional options to collect merchant signatures, please contact us and a representative will discuss all available options.

Payments Hub
The Payments Hub portal has interfaces for both merchants and sales partners. The portal allows merchants to manage a variety of business operations and provides a real-time view of payments activity, such as sales, transactions, deposits, batches, disputes, reports, and statements.

Payments Hub can be whitelabeled with a partner’s logo and color scheme to align with other partner offerings. Many of the reporting functions that are available in Payments Hub can also be exposed via our Business Reporting API for partners who are looking to implement a tighter integration with their own services.

Payments Hub also provides information to sales partners about the merchants they’ve signed and is one entry point for initiating merchant processing applications.

Reporting and Business Tools
The Payments Hub portal includes functions a merchant might need to manage their payments and related operations. Many reporting functions within Payments Hub can also be exposed via our Business Reporting API. The Business Reporting API provides access to much of the data that's built into the portal, allowing oyu to utilize it within your own portal. This API and Payments Hub offer real-time business management information including sales, transactions, deposits, batches, and more. The Payments Hub portal can also be whitelabeled, enabling users to phase in this integration, as well.

Underwriting
Our underwriting leverages several blank sponsorships and can accommodate a broad range of MCCs. The process is streamlined so that a merchant account is typically underwritten in less than one business day. Merchants may be boarded with our Graduate Underwriting program, which enables them to immediately accept payments with funding limits. The underwriting process can also be bypassed altogether for partners who provide their own underwriting.

Dispute Management
The Payments Hub portal includes dispute management functions which allow merchants to see transaction details, chargeback notices, response due dates, and upload supporting material. Our Chargeback Team can assist merchants with their dispute management as long as we are responsible for funding and settlement functions.

Risk
Our processing platform actively monitors for fraudulent transactions and activity, and will decline authorizations and hold merchant funding when necessary.