About True North
Merchant Consulting

True North has a completely unique business model in the world of card processing. Historically, the only way that a business received lower rates, was by switching providers.  Instead, I use my insider knowledge of the industry to gain lower fees for my clients with their existing processor. No change to systems, no pain of migration or training. You simply pay an existing vendor less than you do now.  

Book a free analysis of your current processing fees now!

I only get paid when you save money.

Book Free Consult
Jock Lowndes | President & Founder | True North Merchant Consulting

“We all have an internal compass that guides us through life. It keeps us on track and speaks to who we are and what we value. It’s what is known as our true north. When I recognized that I needed to follow my true north, I left my corporate career and founded this company to be your trusted credit card processing consultant and advocate. I can lead you and your business to enhanced profitability.“

Jock Lowndes

President & Founder

Top 3 Reasons Clients Choose
True North Merchant Consulting

Risk-Free Solutions

When you work with True North, it’s a win-win proposition. There is minimal investment of your time, no hidden fees and no hassles. My job is to come up with a strategy to maximize your savings -  it’s only when your rates go down that I get paid. My pay is based on your quantifiable savings, so the lower I get your rates, the better it is for both of us.

Insider Intel

I speak the language fluently. With decades of experience working for some of the big names in the credit card processing industry, my expertise in dissecting merchant statements and my understanding of PCI, Code of Conduct, interchange fees and fraud prevention allow me to navigate the system on your behalf. I represent your best interests in negotiations and get you the lowest credit card processing fees possible.

Proven Track Record

I work with organizations across all sectors; healthcare, foodservice, technology, finance, and manufacturing, among others. Our client roster includes big brands, sole practitioners, and businesses of all sizes. The bottom line is that True North Merchant Consulting clients have saved hundreds of thousands of dollars in credit card fees simply because they partnered with me.

We help business owners save money!

Join the growing list of happy True North clients. Here’s what some of them have said:

Jock was absolutely wonderful to work with and saved us $10, 000 on our credit card processing fees.

Read more...
Dr. Andre Bisson
Bisson Dentistry

When we first met, I had doubts he would be able to find us any savings, but I was wrong.

Read more...
“Jock was absolutely wonderful to work with and saved us $10, 000 on our credit card processing fees.

What more could you want!”
Dr. Andre Bisson
Bisson Dentistry
“We brought in True North Merchant Consulting, to assess our card processing and assossiated costs. Jock not only took control of assessing this major cost center, but did all the work and ended up savings us $70, 000, this year alone!”
Tara Jean
Bingemans
Jock was very professional since our first meeting. He worked persistently on trying to save us money, and has a great knowledge of the industry and how it works.
Jock was very professional since our first meeting. He worked persistently on trying to save us money, and has a great knowledge of the industry and how it works.
“Jock was absolutely wonderful to work with and saved us $10, 000 on our credit card processing fees.

What more could you want!”
Dr. Andre Bisson
Bisson Dentistry

Let’s get your savings started!

Book Free Consult