Northwind Settle

Faster merchant funding and transparent interchange-plus statements.

Card Payments Payment SoftwarePromoter listing

Headquarters: Minneapolis, USA
Founded: 2014
Team size: 501-1,000
Regions: North America

About

Northwind Settle is a merchant acquirer focused on settlement speed and statement transparency for mid-market retailers. Merchants can opt into same-day or instant funding to an eligible debit card or bank account, with the platform pre-funding settlement ahead of scheme settlement windows.

Every statement line is priced interchange-plus-plus: the interchange category the transaction qualified for, the scheme fees, and Northwind's margin shown separately. A downgrade report flags transactions that missed a better interchange tier, for example because enhanced Level 2 or Level 3 data was absent on a commercial card.

An API exposes the same data so finance teams can reconcile deposits to individual transactions without parsing PDFs.

Products & capabilities

Instant Funding
IC++ Statements
Downgrade Analyzer
Level 3 Data Capture

Content from Northwind Settle

Case Study9 Dec 2025

How a Regional Grocery Wholesaler Recovered Interchange Downgrades with Level 3 Data

A cash-and-carry wholesaler selling to restaurants discovered most of its commercial-card volume was clearing at a higher rate than necessary. Here is how it fixed that.

Northwind Settle 8 min