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.
We have an extensive network of relationships with other POS vendors and dealers. Depending on your specific circumstances, you will either work with one of our dedicated professionals, or we will coordinate your installation and configuration with your POS provider.
Low-Risk Implementations, Done Fast
Our streamlined onboarding process ensures a smooth transition with minimal disruption to your operations. With dedicated support and a proven integration framework, you can start accepting HBC and OTC payments quickly and confidently.
Supported POS Integrations
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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.
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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.
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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.
Our ENCOR integration is being launched in March, 2025, during the AWG Innovation Showcase.
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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.
NCR Voyix ISS45 integration will be generally available in Spring, 2025.
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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.
NCR Voyix Retalix integration will be generally available in Spring, 2025.
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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.
Our Toshiba ACE POS integration will be generally available in Spring, 2025.
*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.