In person
Countertop terminals for chip, tap and swipe.
NATIVE-OWNED PAYMENT PROCESSING
A Native-owned payments company
Honest card processing for Tribal enterprises that gives back to the community. A Native-owned business for every business that wants a fair deal with a good cause. Every fee shown up front, no long-term contracts, and 10% of our profits go to Tribal nonprofits.
Card sale$100.00
Card network costsat cost
Processing feequoted by FNP
APPROVED
That’s the whole statement. What the card networks charge, plus one processing fee. Nothing else.
Native-owned and Native-led
Our Native owners hold the majority and run the company.
Every fee up front
A written quote and a statement you can read.
Month-to-month
No long-term contract to get stuck in.
Built to give back
10% of our profits go to Tribal nonprofits.
AcceptVisaMastercardAmerican ExpressDiscoverApple PayGoogle PaySamsung Pay
Products
Every way to get paid.
One merchant account for credit and debit card processing at the counter, online, on your phone and by invoice.
Online
Secure checkout for your website.
On the go
Mobile readers for events, deliveries and pop-ups.
Invoices
Send a pay link and get paid by card.
Pricing
Simple, honest pricing.
Every card sale has two costs. With interchange-plus pricing, we show you both. How interchange-plus pricing works
Card network costs
Passed straight through at cost. Every processor pays the same rates, with no markup added.
The processing fee
One rate, agreed in writing before you sign and printed on every statement.
No long-term contracts
No hidden fees
No surprise increases
Giving back
10% of our profits go to Tribal nonprofits.
It comes from our profit after all operating costs, is written into our company’s founding documents, and is set aside before any profits are shared with our owners. Our Native owners choose where it goes: youth, education, elders, language, health, housing and more.
Every card you run helps.
When your business processes with us, part of what we earn goes back to Native communities. Native or not, every customer is part of it.
Indian Health Council, Inc.Nonprofit health care serving the Pauma Band of Luiseño Indians and eight neighboring Tribes
Sandy Captain Cultural CenterEastern Shawnee Tribe of Oklahoma · language and culture programs
Who we serve
[phone]
Real people, when you need them.
Call and a person answers. They’ll know your account and help you fix the problem.
Shops and restaurants
Fast setup and terminals that just work.
Service businesses
Invoices, pay links and card-on-file payments.
Enterprise and Tribal enterprises
Hospitality, retail and multi-location operations, with RFP-ready documentation.
Casino venues are served once bank approval and gaming-commission registration are in place.
Native-owned businesses
Restaurants, salons, shops, contractors, artists and online stores, served by a company that shares their roots.
How it works
Three steps. No surprises.
Share your details
Or a recent statement. We review it for free and read every line.
Get a written quote
From First Nationwide Payments, the registered ISO that provides the merchant account. Every rate and fee, itemized.
We handle the setup
You keep selling. Month-to-month, with real people to help.
About us
Majority-owned by our Native partners. Run by them, too.
Sovara Nation Pay is majority owned and controlled by enrolled Tribal members, who make the decisions and set the direction. Our goal is simple: keep more of the money businesses pay in fees working for Native communities.
Justin Barrett
Co-Founder
Gene Dixon
Co-Founder
Guides
Know what you’re paying.
Plain-English guides to card processing costs.
Guide
Credit card processing fees, explained
What you pay on every sale, who sets each fee, and eight ways to lower your costs.
GuideWhat is interchange-plus pricing?
How it compares with flat-rate and tiered pricing, and when it saves you money.
IndustryPayment processing for Tribal enterprises
Card processing for Tribal enterprises: hotels, restaurants, retail and government services.
FAQ
Questions?
What is interchange-plus pricing?
You pay the card networks’ actual costs (interchange and network fees) plus one fixed processing markup. It’s the most transparent way to price card processing. Read the guide.
How can I lower my processing fees?
Check your statement for markups hidden inside blended or tiered rates, and for monthly fees you didn’t agree to. Then compare an interchange-plus quote. We’ll do that review for free. See eight ways to lower fees.
How much will I pay?
What the card networks charge, plus one processing fee. You get both in writing from First Nationwide Payments before you sign.
Do I need new equipment?
Not always. Many terminals can be reprogrammed. If you need new ones, First Nationwide Payments quotes them in writing with your rates.
When do I get my money?
First Nationwide Payments confirms deposit timing in writing with your quote.
What if I want to leave?
You can. Accounts are month-to-month.