Northwest Payments

What Northwest Payments does

Northwest Payments Ltd is a privately held UK payment solutions provider incorporated in England and Wales in 2022, operating as a registered Sales Organisation of Fiserv and headquartered in Burnley, Lancashire with a second regional office in Chester, Cheshire. The company resells Fiserv payment processing infrastructure alongside its own product surface, targeting UK small and medium-sized businesses across retail, hospitality, e-commerce, and professional services. Its product portfolio comprises card machines with next-business-day settlement and SIM-card mobile compatibility, Electronic Point of Sale (EPOS) systems including the proprietary SWOOPOS hospitality-specific sub-product, a browser-based Virtual Terminal for phone payments, Pay By Link for SMS/email-collected payments, full e-commerce checkout, and a Merchant Cash Advance working-capital product based on card processing volume.

Revenue is generated primarily through transaction fees on payment processing, with secondary streams from card-machine hardware provisioning and merchant cash advance. Pricing is quote-based rather than publicly listed; prospective customers are asked to upload statements from their existing provider for a free rate comparison, framing the sales motion around demonstrated cost reduction. The go-to-market is predominantly direct via website-driven quote requests and phone-based inside sales, supplemented by a Refer a Friend referral programme and active social media presence across Facebook, Instagram, X, and YouTube.

The company was founded with 1-10 employees, has no disclosed funding rounds, no disclosed revenue, no named customers, and no senior management team information available in the source data. Operational evidence is limited to two physical regional offices, a multi-product website, and stated Fiserv channel-partner status, making this an early-stage SMB payments reseller whose scale, customer base, and financial trajectory are not yet supported by verifiable data points.

Name

Northwest Payments

Legal name

Northwest Payments Ltd

Website

https://northwestpayments.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Northwest Payments Ltd is a UK Fiserv-registered payment services reseller founded in 2022, providing card machines, EPOS (including SWOOPOS for hospitality), virtual terminals, pay-by-link, e-commerce, and merchant cash advances to small and medium-sized businesses across England from offices in Burnley and Chester.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

akta.pro secondary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Card payment processing
• Card machines
• EPOS systems
• Merchant cash advance
• Payment solutions

Headquarters

HQ city

Burnley

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Payment Processing / Transaction Fees: Northwest Payments charges transaction fees for processing card payments through their card machines, virtual terminal, and e-commerce solutions. The company emphasises transparent pricing with no hidden fees.
2. Card Machine Hardware: The company provides card payment terminals to businesses, likely generating revenue through terminal hardware sales or leasing arrangements alongside payment processing contracts.
3. Merchant Cash Advance: Business cash advances funded based on card processing volume, with flexible repayment through a fixed daily percentage of future card sales. This provides an additional revenue stream from businesses seeking working capital.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Northwest Payments provides card payment acceptance and merchant services to UK businesses, including face-to-face card terminals, EPOS systems (with a hospitality-specialised SWOOPOS product), a virtual terminal for phone payments, pay-by-link, e-commerce checkout, and merchant cash advance financing. The company is a registered Sales Organisation of Fiserv and acts as a channel partner reselling Fiserv payment processing infrastructure to small and mid-sized UK merchants.

Product overview

Northwest Payments offers a unified payment solutions portfolio consisting of Card Machines for face-to-face payments, EPOS Solutions (including the SWOOPOS hospitality-specific sub-product), Virtual Terminal for phone payments, Pay By Link and Ecommerce for online transactions, and Merchant Cash Advance for business financing. These products work together as a comprehensive payment ecosystem enabling businesses to accept card payments across all channels—retail, hospitality, phone, and online—while accessing working capital through their merchant cash advance service.

Differentiator

Problem solved

Functional benefit

Products and services

• Card Machines Point-of-sale card payment terminals for face-to-face transactions, providing next-business-day settlement, SIM card compatibility for mobile payments, free cloud reporting on-terminal and via online portal, and the ability to add products and services directly on the terminal. Designed for UK businesses of all sizes that accept card payments in store.
• EPOS Solutions Electronic Point of Sale systems available in integrated and semi-integrated configurations, enabling businesses to add products and services directly to terminals, generate reports on best-selling items, and apply one-touch menu alterations. Targeted at UK retail and hospitality businesses seeking an all-in-one till and payment solution.
• SWOOPOS A dedicated hospitality-focused Electronic Point of Sale solution that streamlines operations from kitchen to customer, providing integrated and semi-integrated payment processing, complete menu management including one-touch menu alterations, best-selling item reporting, and continuous support. Designed for restaurants, cafes, pubs and other fast-paced UK hospitality venues.
• Virtual Terminal Browser-based virtual terminal that allows businesses to take customer payment details over the phone, with all details stored in a secure online portal. Suited to UK professional services, tradespeople, and any merchant that needs to take card payments remotely by phone.
• Pay By Link Payment link service that enables businesses to send payment links directly to customers via SMS and email for convenient remote payment collection. Designed for UK businesses that need to take card payments without a website, terminal, or app.
• Ecommerce Online payment processing solution providing 24/7 shopping and payment capabilities for customers, integrated to support continuous online sales. Targeted at UK businesses that operate an online store and need a payment gateway tied to the same provider as their in-store card machines.
• Merchant Cash Advance Business financing product providing a quick cash injection based on the merchant's card processing volume, with no hidden fees, no credit footprint, and flexible repayment through a fixed daily percentage of future card sales. Designed for existing Northwest Payments merchants that need working capital without impacting their business credit score.

Quantifiable outcome

• Payments deposited to business bank accounts next business day
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• FiservcoreTechnology or IntegrationNorthwest Payments Ltd is a registered Sales Organisation of Fiserv, based in Essex, UK. This partnership grants Northwest Payments the authority to resell Fiserv payment processing infrastructure, card terminals, and related services to businesses across the United Kingdom. The Fiserv relationship provides the underlying payment technology backbone for all of Northwest Payments' card machine, virtual terminal, and e-commerce solutions.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Zettle by PayPal: PayPal-owned mobile card reader and POS provider for SMBs and sole traders in Europe. Directly competes in the UK card-present and integrated POS space that Northwest Payments serves.
• Dojo: UK-based card payment provider focused on SMBs and enterprise hospitality and retail. Direct competitor offering card terminals, integrated POS, and merchant acquiring to the same UK customer base.
• Stax Payments: US-headquartered merchant services provider and reseller offering card processing, terminals, and value-added services to SMBs. Comparable reseller/acquirer business model serving small business merchants.
• Tyl by NatWest: NatWest-owned UK card payment processor and merchant services provider serving SMEs with terminals, EPOS integrations, and online payments. Same UK SMB market and merchant services positioning.
• SumUp: European-headquartered PSP serving micro and SMB merchants with card readers, POS software, and merchant accounts. Closest direct comparable to Northwest Payments' card machines, EPOS, and virtual terminal offering targeting UK small businesses.
• Square (Block): Global SMB payments and POS platform with hardware readers, software, and merchant services. Comparable product suite (card readers, POS, virtual terminal, online checkout) and SMB customer profile.
• CardFlight: Provider of mobile POS and payment processing solutions for SMB merchants, including card readers and software integrations. Directly comparable technology and merchant services offering.

Emerging players

• Epos Now: UK-based EPOS and integrated payments provider for retail and hospitality SMBs. Direct overlap with Northwest Payments' EPOS and card machine bundle, particularly the hospitality focus shared with SWOOPOS.

Broad incumbents

• Worldpay (FIS): One of the largest global merchant acquirers and payment processors, with deep UK SMB and enterprise presence. Broader incumbent with overlapping card processing and POS offerings but operating at much greater scale.
• Stripe: Global payments platform with strong UK presence in online checkout, terminals (Stripe Terminal), and POS integrations. Larger incumbent covering overlapping e-commerce and in-person payment use cases for SMBs.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/NWPayments
• Facebookfacebook.com/northwestpaymentsltd
• LinkedInlinkedin.com/company/enable-payments-ltd

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Northwest Payments