Opttium

Merchant processing platform

Handle the checkout. Keep what’s yours.

Branded payment links, fee-transparent checkout, and stored authorizations for recurring payments.

Customer checkoutINV-2026-0001

Amount due

$1,035.00

Invoice $1,000.00 + 3.5% card fee

0%

Fee absorbed by the merchant

3.5% / 0%

Default card and ACH fees, set by each merchant

North

Tokenize-then-charge gateway

Automated fee engine

See exactly what the customer pays, and what you keep.

Platform overview

One system for invoices, consent, and settlement.

Send the link, pass the processing fee to checkout, store signed consent, and track every settlement from one ledger.

01Invoices

Branded payment links

Create an invoice, attach a PDF, and email a checkout page that carries your business name and logo.

Three colleagues reviewing a payment on a laptop
02Fee math

Transparent fee passthrough

Card and ACH payment fees are added at checkout so the merchant receives the invoice amount. Cash stays at 0%.

A magnifying glass over invoice line amounts
03Consent

Stored authorizations

Collect one-time or recurring charge consent with the agreement text, signature, IP, user-agent, and UTC timestamp locked on the record.

A person confirming a secured password on a phone
04Ledger

Merchant oversight

Invoices, authorization charges, and customer payment methods stay in one ledger with the fee and status attached.

A shop owner checking orders on a laptop beside packed boxes

Built for the people who send, pay, and operate.

Merchant

Run collections from one desk

Dashboard, invoices, authorizations, North credentials, and payment notifications.

Customer

Pay and save a payment method

Every invoice payment and authorized charge across merchants, plus card and ACH methods you can use on an authorization.

Ready to collect without giving up the fee?

Merchants and customers can create an account in minutes.

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