1. What this page is
This is the fee disclosure for NKS Pay, the payment processing service of North Key Systems Inc. (“NKS,” “we,” or “us”). Finix Payments, Inc. is our card processor. Your signed merchant application and any written rate sheet we give you control if they differ from this page.
2. Card processing
We charge a processing fee on each approved card sale. The rate for your locations is set when you apply (or in a later written update) and can differ by brand, card-present vs online, and card type.
- Fees are taken from the settled amount before payout, unless we agree otherwise in writing.
- Declined, voided, or failed authorizations are not charged a sale fee.
- Refunds return the original sale amount; processing fees already taken on that sale are not returned unless required by law or we agree in writing.
3. Other charges that may apply
- Chargebacks and disputes — a per-case fee plus the disputed amount if the case is lost or not answered in time.
- ACH / bank payout returns — a fee when a payout is rejected by the receiving bank.
- Terminals and accessories — purchase, lease, replacement, or shipping charges quoted at order.
- Account or location changes — reasonable fees if a change requires new underwriting or extra review.
4. How to get your current rates
If you are applying, the schedule shown in the application is the offer for that store. If you already process with us, ask your NKS contact or email support@nkspos.com for the rate sheet on file. We will also publish chain-specific schedules here when they are ready.
5. Changes
We may update this page and your rates as allowed by your merchant agreement. Material rate changes are communicated in advance as required by that agreement.
6. Contact
Questions about fees:
support@nkspos.com
or (855) 767-7366.
North Key Systems Inc., 6725 Stacy Rd, Charlestown IN 47111.