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Fincretive Gateway – Powered by PYXIS

Unlock new revenue & increase customer retention with the Fincretive Gateway

Accept OTC & HBC Payments with Ease

We’ve partnered with Fincretive* in order to empower independent grocers, ethnic markets, convenience stores, and other retailers to accept Medicare Advantage Healthy Benefits Cards (HBC) and Over-the-Counter (OTC) program payments—driving additional revenue, increasing customer retention, and leveling the playing field against national chains.

For too long, many independent retailers have been at a disadvantage, unable to support these programs while larger national competitors capitalized on them. Now, with our seamless gateway integration, you can compete on equal footing and offer the same valuable options your customers expect.

How This Benefits Your Business

Effortless Integration

The Fincretive gateway connects your POS system to all major OTC and HBC programs through a single integration, eliminating complexity and costly system changes.

Accretive Revenue & Profit Growth

Accepting these benefits increases basket size and drives incremental revenue while improving your store’s bottom line.

Attract and Retain More Customers

Customers rely on these benefits for essential purchases. By accepting them, you build long-term loyalty and keep shoppers returning to your store instead of seeking alternatives.

Available to All Clients and Retailers

This solution is available to all retailers using supported systems, including current North Country clients looking to enhance their payment options, as well as those we don’t currently have the privilege of providing service to.

Supported POS Integrations

POWERED BY PYXIS

HBC and OTC programs are fully compatible with contemporary LOC SMS versions. Thanks to our decoupled integration approach, implementation is seamless, avoiding expensive and time-consuming system updates. Most retailers can be live within weeks, not months.

How this Benefits Your Business

Fincretive APL filter service helps normalize & categorize product data to optimize approval of eligible items.

Retailers using versions of LOC’s ThriVersa can seamlessly accept HBC and OTC payments. Our decoupled integration ensures minimal risk to your POS system, avoiding disruptive or expensive updates. Implementation can usually be completed in a week or less.

We support HBC and OTC programs on most recent ENCOR versions. Our flexible integration layer minimizes disruption to your existing POS setup, eliminating the need for costly upgrades. Most installations can be completed within a week.

With support for HBC and OTC programs on most ISS45 versions, our integration method keeps your POS environment stable while eliminating high upgrade costs, and brings that functionality to legacy environments. Most setups can be finalized within a week once available.

Our integration supports HBC and OTC programs on supported StoreLine versions. With a design that prevents disruption to your existing setup, there’s no need for costly system overhauls. As many StoreLine implementations are heavily customized, these projects are carefully planned.  However, the technical implementation is measured in days – not weeks or months.

Our solution enables HBC and OTC program support on modern ACE versions. The integration process is designed to protect your existing POS environment, ensuring a smooth rollout without significant system changes. Once available, installations can typically be completed in under a week.
*Fincretive, LLC is an independent company and operates separately from North Country Business Products, Inc. (NCBP). Fincretive is not responsible for the delivery, fulfillment, or support of NCBP products and services.  The companies maintain separate operations and responsibilities. Please direct any inquiries regarding specific products or services to the appropriate company.
We Thrive Together

As a 100% employee-owned organization, we take pride in living our values and sharing in the success of our clients. When you partner with North Country, you gain more than a vendor – you join a team that’s personally invested in your success.

Our approach combines the personalized service of a local partner with the capabilities and resources of a national technology leader. We understand the unique challenges facing independent and regional grocers, and we deliver solutions that help you compete and thrive in today’s dynamic market.

Schedule a demo today!

Jeff Zimmerman
Director of Grocery Sales

As NCBP’s Director of Sales, Jeff focuses on building relationships with our Grocery/Retail customers, partners, and associates. He holds a deep belief that personal connections are an integral part of everyone’s success in business.

Jeff began his career in wholesaler management and as a general manager of an independent grocery chain. His retail expertise helped him quickly achieve sales success and grow our business at NCBP, and he now leads the continued success of our entire sales organization.

Kirk Benson
Director of Hospitality Sales

With 20 years of food and beverage technology experience, Kirk helps our customers deliver excellent hospitality and dining experiences while optimizing their business operations and financial performance.

Kirk leads the NCBP Hospitality sales team and builds relationships with partners to bring new technology solutions to hospitality and hotel industry clients across the U.S. He is a devoted supporter of the local restaurant and craft beverage scene, and he actively participates in industry groups and events.

Monica Laurent
Director of People and Culture

Monica joined NCBP in 2020 with over twenty years of leadership experience and is deeply committed to the associate experience. She is refining the company’s talent strategy with an emphasis on engagement, inclusion, and leadership development. Monica has earned her SPHR and SHRM-SCP certifications, is an active member of several HR associations, and volunteers for Twin Cities R!SE.

Matthew Swanson
Vice President of Operations

As a technology leader, Matt helps our associates, and our clients tackle their toughest business challenges. Matt has held several roles at NCBP and has focused on numerous process improvement, operational excellence, cybersecurity, and strategic technology initiatives.

Matt’s approach to leadership strives to balance a tenacious focus on results against making sure associates and their families are well-cared for. He is passionate about his family, and endeavors to build a team that allows his associates the space to achieve results while also achieving their desired work-life balance and personal objectives.

Before joining NCBP in 2008, Matt worked with MICROS Systems with their Leisure and Entertainment team. He holds multiple technical, project management, and process improvements certifications and advanced degrees focused on helping him build successful teams and drive results.

Over his career, Matt has worked with some of the largest operators in the industry and around the world, is passionate about helping them design and implement technology solutions that help achieve their goals, and has presented at multiple conferences and seminars on related topics. Matt also serves on the boards of directors of multiple industry and community organizations, and volunteers actively in the community.

Mark Olson
Board Member

Mark is a seasoned executive with extensive experience in technology and automation industries, most notably for his impactful leadership as President (1988-2014) and later President & CEO at APG Cash Drawer, LLC until his retirement. His multifaceted career demonstrates both technical expertise and strategic vision, leaving a lasting impact on the companies he has served and the industries he has influenced. Mark has brought his valuable insights to North Country as a board member since 2010.

Chelsey Paulson
Board Member

As a Culture Strategist & Business Growth Guide at Keystone Group International, Chelsey previously led North Country’s HR Team and has remained a dedicated Board member and ESOP Trustee. With experience chairing two boards and active participation on three, Chelsey brings her passion for creating lasting business impact through Strategic Foundation and Growth Strategy, Culture Evolution, Leadership Academies, and Executive Coaching. Her superpower of positive energy and commitment to continuous learning helps push North Country to break through growth ceilings and reach new heights.

Bruce Mann
Board Member

With over 45 years of management experience in the POS and Transaction Processing industries, Bruce brings exceptional expertise in operations, HR, product development, exporting, importing, multi-level distribution of hardware and software, marketing, business development, electronic payments, M&A, loyalty programs, integrated electronic payments, and integrated coupon programs. As one of the original Retail Solution Provider Association vendor BOD members, Bruce has been a frequent contributor to industry publications and presenter at industry events, in addition to serving on several NPO Boards.

Jim Freed
CEO and President

Driven by hands-on experience with technologies and his dedication to the people who use them, Jim cultivates a vision, organization, and work environment to enable our associates and customers to succeed and thrive.

Jim served in several key technology, service, support, and operational roles before becoming CEO and President of NCBP. He is a member of multiple partner advisory boards and enjoys fostering relationships, sharing best practices, and staying on top of industry trends.

Jandi Ketelsen
Sr. Director, Financial Services and Administration

During her more than 25 years at North Country, Jandi has worked across every facet of the organization’s accounting and financial systems, advancing to her current role as Vice President of Finance & Administration. 
 
An employee owner, she drives process improvement, strategic planning, strong partnerships, and associate development. Jandi’s business acumen includes leading cash flow, budgeting, inventory management, business operations, and North Country’s ESOPs. She is most proud of the team she has built and is especially passionate about the ESOP—where everyone has a stake in the outcome—and the culture it creates.