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National Processing

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National Processing Logo

National Processing

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No hidden fees, upfront pricing, and great customer experiences

Founded in 2007, National Processing is a merchant services provider that manages payment processing solutions for over 8,000 locations across the nation and services both large and small businesses. National Processing’s mission is to build strong, trusting relationships with merchants. Additionally, the company promotes authenticity and seeks to carry out its mission with upfront pricing, top-rated payment processing services, and transparent business practices. 

The Good

  • National Processing Promises
  • Customer Service
  • No Hidden Fees
  • Competitive Rates and Services
  • Charitable Giving

National Processing Promises

National Processing makes promises that are commonly ignored in the merchant account industry. First, the company commits itself to be transparent in its credit card processing relationships. Second, it promises that it won’t hold customers to an annual contract. Finally, it promises not to raise the rates originally provided to each merchant. Above all, National Processing wants to be trusted by its customers; every promise made stems from its desire to fulfill this purpose. These are the types of promises that lead to a glowing merchant services provider. 

Customer Service

It’s one thing to make promises of dedication to customers; it’s another thing entirely to actually keep those promises. The company’s excellent business practices demonstrate the authenticity that it promises. The comments on National Processing’s social media pages are largely positive customer experiences. The simple fact that the company does not require its customers to sign a contract shows that it values dedication to customer satisfaction over its desire to turn a profit. 

No Hidden Fees and Upfront Pricing

National Processing promises its customers that no hidden fees will be added to the end price of their credit card processing. Additionally, customers can expect all fees to be shown upfront on the website before even contacting the merchant accounts company. 

Competitive Rates and Services

Potential customers of National Processing who are concerned about pricing must look at two separate pricing criteria: monthly fees and transaction fees. National Processing provides customers with extremely competitive rates, meaning customers have the assurance that prices are among the best in the industry. The company charges a monthly fee of $9.95 for its payment processing services. Customers who want more information can simply visit National Processing’s “pricing” page, which lists the expected cost per $100 transaction. In addition to its competitive rates, National Processing provides several payment processing services including credit card processor solutions, web payment processing, mobile payments processing, ACH transfers, and check processing.  

Charitable Giving

The company not only cares about its customers but also about the community at large—10 percent of company profits are donated to charity. Its mission to create a relationship of trust with customers becomes more believable when one takes its charitable giving into account.

The Bad

  • Multiple Fees

Multiple Fees

Though the company is upfront with its fees, there do seem to be many of them including monthly fees. National Processing stands by its decision to be transparent and invites merchants to compare its fees and prices for credit card payments to other companies in the industry. The following is a list of all the fees National Processing charges for credit cards and debit cards transactions, as well as all of their other fees. 

  • Interchange and Margins: 0.20% + $0.10
  • Monthly Fee: $9.95 per month
  • Chargeback: $15.00 per instance
  • Retrieval Fee: $5.00 per instance
  • Voice Authorization: $1.50 per authorization
  • ACH Rejection Fee: $15.00 per instance
  • AVS Fee: $0.05 per transaction
  • Batch Fee: $0.10 per batch
  • PIN Debit Card Fees: No markup/pass-through at cost

The Bottom Line

National Processing has received overall positive online feedback from its customers; negative merchant services reviews usually come from a company's lack of quality customer care, a problem that National Processing does not have. Customers have found the company’s transparency promise to be authentic, its pricing to be fair and accurate, and its employees to be helpful. National Processing also offers several quality payment processing solutions including services like mobile payments processing and ACH transfers.

Though the company does seem to have several fees, it is upfront about them. If customers are still concerned with pricing, the payment processor's website offers a look at how much a payment processing customer might expect to pay per a $100 transaction. National Processing proves that it is a trusted merchant account provider by emphasizing its customers' needs. We recommend customers consider choosing National Processing's payment processing services as a possible alternative to other top merchant services.  

View Best Merchant Account Service Companies

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All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


User Reviews

4.2

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151 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

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March 6th, 2018 DETAILS
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I would not use them as they are constantly increase their rate.

National Processing Logo

Reply from National Processing

Mar 07, 2018

We are sorry for this experience. We strive to be transparent and honest with everything we do. Were you informed of why we were increasing your rates? We would love to look more into this to see what the issue was. Reach out to us at [email protected] with the account you had with us! Thank you for the feedback!

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HNL SERVICES AND MARKETING
March 6th, 2018 Modesto, CA DETAILS
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Fees too expensive, I am a small retailer and it seems that National Processing only has plans available for those processing more than $10,000 per month.

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CANVAS
March 6th, 2018 Napa, CA DETAILS
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Too long of turnaround to get payments into my bank account. 1 to 2 days would be good. 3 and beyond a burden.

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Donovan James Antiques
March 6th, 2018 Cayucos, CA DETAILS
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They promised very low fees instead they charged High fees till I call to complain and then they lowered them but they already charged me $200 2 months for 3 months and refused to refund it

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Reply from National Processing

Mar 12, 2018

We looked up Donovan James Antiques in our system but could not find the account. Is it possible it is listed as Donovan Jame LLC? We want to get the information right and see why you were charged the amount. Any other information you feel would be good for us to know please email us at [email protected] and we will look into this issue. Thank you for the feedback!

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dave church
March 6th, 2018 Coeur d'Alene, ID DETAILS
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they are the best processer that I have dealt with easy to get a hold of and don't pass me along to someone else

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Laurie ballard
March 6th, 2018 Eagle, ID DETAILS
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Terrible, clueless company. They spent 2months trying to make a card reader work that never had the capability to work with my pos provider

National Processing Logo

Reply from National Processing

Mar 12, 2018

We apologize for this unfortunate experience, Laurie. Reach out to us at [email protected] and we can look into providing another solution for you with your current POS provider. Thank you for the feedback!

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Ick Sick Nation/ Mr. A'aron Coleman
March 6th, 2018 Aurora, CO DETAILS
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they terminated my account fro no reason at all and did not do the professional courtesy of informing me BEFORE they terminated it or allowing me to cure whatever deficiencies were existing

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Reply from National Processing

Mar 06, 2018

We are sorry for this unpleasant experience. We always strive to open and transparent with everyone we work with, and that includes our account representatives. Who was your account representative? We want to look into why you never informed of this. Thank you Mr. Coleman!

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FITNESS MASTER
March 6th, 2018 Dallas, TX DETAILS
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EASY TO WORK WITH AND GREAT REPORTS BACK FOR TRANSACTIONS

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Champions
March 6th, 2018 Plainfield, IL DETAILS
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best prices! excellent customer service - always answer the phone quickly when I call them

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Chris
March 6th, 2018 North Manchester, IN DETAILS
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Their pricing and customer service is top notch. They are knowledgeable and are very nice when talking to them on the phone.

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LoriMacWhirter
March 1st, 2018 DETAILS
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I use National Processing for my web page. It gives me the freedom to change my checkout and add new options as often as I want. They always notify me as soon as I have a purchase so I can deliver my customers product quickly and efficiently. The money is deposited into my bank by the end if the day. Customer service is awesome! I've been with them for two years and have never had a problem

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MarkElliot
February 28th, 2018 DETAILS
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service is very good when you call with a proble. We have both a portable and stable machine with numerous transactions a day.

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Reply from National Processing

Mar 01, 2018

Great to hear about our products and service being of benefit to you! Anything else we can improve on let us know at [email protected]!

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TrevorEmond
February 28th, 2018 DETAILS
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Easy and fast communication. Would fave preferred a less bulky terminal but I guess you get what you pay for and I like the rates :)

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MichaelGill
February 28th, 2018 DETAILS
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Easy to use. Good customer service. No headaches. Low fees.

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The Hook Company
February 27th, 2018 Wake Forest, NC DETAILS
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Great customer service, Katy has been great, responds to emails ASAP! The Hook Company

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Reply from National Processing

Feb 27, 2018

Our customer service team is the best! Great to hear the encouraging feedback!

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Andrew Herres
February 27th, 2018 Lewiston, ID

They weren't pushy about sales and are genuine and honest

National Processing Logo

Reply from National Processing

Feb 27, 2018

We make sure to be thorough and transparent. Thanks for the review!

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Anonymous
February 26th, 2018 Yuma, AZ DETAILS
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had nothing but problems. nothing ever promised was delivered. chronic staff turn over.

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Reply from National Processing

Feb 26, 2018

Very sorry to hear about this unfortunate experience. What was never promised? What account account are you under? If you can provide us with this information we can look into the problem and help resolve this issue! Thank you for the feedback!

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Brent P.
February 26th, 2018 DETAILS
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professional, simple and great price.. the way it should be.

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Reply from National Processing

Feb 26, 2018

Concise, positive and specific: one of the ways we love to receive feedback. Thanks Brent!

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Steve
February 26th, 2018 Heber, UT DETAILS
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Recently National Processing ran a credit on our account without our approval

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Reply from National Processing

Feb 26, 2018

We are very sorry to hear that, Steve. What is the account under that we ran the card on without your authorization? We would love to help get this resolved and make this a more positive experience for you!

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LorrieRevelli
February 27th, 2018 DETAILS
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They have been great to work with. If we have a problem they fix it very quickly and are easy to work with.

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Reply from National Processing

Feb 28, 2018

Thank you for the positive review!

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Michel
February 23rd, 2018

National Processing offer easy, fast and reliable service. In the event that we've had any questions, the wait times have been short and the agents have been very helpful.

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Reply from National Processing

Feb 23, 2018

Great to hear about your experience with us. We will continue to provide the highest quality of service to you!

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Brian Weerts
February 22nd, 2018 Hayden, CO DETAILS
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They have offered excellent service without having to go through a series of prompts. A real person answers the phone.

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Reply from National Processing

Feb 23, 2018

We are here to help and offer personalized service! Great to hear about your worthwhile experience!

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Jessica Peterson
February 22nd, 2018 Rochester, MN DETAILS
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We have been using National Processing's services since 2010. There website is easy to use and whenever I've needed customer service's help, they stay with me on the phone until the issue is resolve. Fantastic service!

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Reply from National Processing

Feb 23, 2018

That is fantastic to hear! Thanks Jessica!

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Bella A
February 22nd, 2018 Virginia Beach, VA DETAILS
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This company is easy to work with! Very receptive to all my questions and the help desk is beyond helpful! The fees are cheaper than most processing companies, which as a business owner helps a whole lot. Overall, I recommend National Processing!!

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Reply from National Processing

Feb 07, 2018

Thank you for the review, Bella. We are delighted you went with us too!

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Gary Freeman
February 22nd, 2018 Mountain Home, ID DETAILS
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We have been very happy with National Processing. We tried another processing company but they stuck us with higher fees for for things like charge backs & other items. We came back quickly and have enjoyed working with them ever since (as well as before!). There are lots of other companies that will promise you anything to get your business but National Processing has be upfront and honest with us.

National Processing Logo

Reply from National Processing

Feb 26, 2018

Being upfront and honest are our core values. We are so glad to hear that you have benefited from these principles. Thanks, Gary!

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Dana Verreras
February 22nd, 2018 Paso Robles, CA DETAILS
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I switched companies to save money and so far I have saved a little bit every month. It was a very easy transition and equipment is easy to use.

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Reply from National Processing

Feb 26, 2018

Great to hear the results of our competitive prices and how they have benefitted you!

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Colby Porter
February 22nd, 2018 Boise, ID DETAILS
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Porter and Porter Consulting has been using National Processing for the last 3 years. National Processing has always been there for us and provides the best customers service, and we here at Porter and Porter, highly recommend this processing company to anyone who is in need of great service and a way to process money.

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Reply from National Processing

Feb 28, 2018

Thank you for the specific and professional review! We look forward to doing business with you!

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Verified Customer

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NannetteVides
February 21st, 2018 DETAILS
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It's simple to use, customer service are excellent. Real people that help you when you encounter a problem or need to be walked through a process.

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Reply from National Processing

Feb 22, 2018

Having another person to talk to is always a richer experience. We will continue to provide you with excellent customer service!

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KristaBrown
February 21st, 2018 DETAILS
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Where do I start. It was absolutely horrible on so many levels. The machine charged my customers several times per customer per purchase and I was required to pay the difference out of pocket and wait several weeks to get reimbursed. When I couldn’t afford the charges being made to my customers and the bad repetition it was giving my company and tried to cancel. The company again over charged me cancelation fees, and tried to charge me for the processing machine that I had bought out. Then when settled kept harassing me for months saying I owed them. And had to keep proving I didn’t owe anything. Worst company ever.

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Reply from National Processing

Feb 22, 2018

We are sorry for the bad experience, Krista. How much were you charged for cancellation fees? We were trying to look up your account but could not find any details regarding you being overcharged or any details on the processing machines you had? If you could provide us the details of what happened at [email protected] we would love to help you and make this experience a positive one. Thanks!

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Richard
February 21st, 2018 DETAILS
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Transition was relatively smooth. Wished I had more info./support setting up account and getting monthly statements.

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Reply from National Processing

Feb 22, 2018

Thanks for the feedback, Richard. At anytime you can email us at [email protected] or call at 1-800-720-3323 and we can provide more support on your account and details regarding the monthly statements!

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Walt Fourney
February 16th, 2018 Norwood, CO DETAILS
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Things tend to work,rates are reasonable, help is available if needed.

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Reply from National Processing

Feb 16, 2018

Our service team is dedicated to providing help whenever you need it!

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Verified Customer

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Ramandeep Dhillon
February 15th, 2018 DETAILS
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We had no MSE before, so when they called I took them up on it. It's a good service overall, though it's not the best.

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Rauncie Kinnaird
February 15th, 2018 DETAILS
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The service that we were using previously canceled on us, so we were looking for a better option and found them. We had some issues at the very beginning. We needed to get things up and running as soon as possible but they were great at helping us figure things out. The system is easy to use too.

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Van Woodward
February 15th, 2018 DETAILS
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My nephew was involved with them and I like knowing who I'm dealing with you know. I like knowing who I can talk to personally if I want to get things done. He's not working there anymore, but I have a specific person that I talk to if I need anything. It's this person and people like him that keep me with National Processing. In general, customer service is good. If you have a problem, they'll take care of it. However, when it comes to being transparent, they are not that great. They sometimes add or change prices and things that they don't notify you about. If there's a problem, if you're not being compliant or something, they should call you and let you know those things.

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Steve Billings
February 15th, 2018 Wichita, KS DETAILS
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A friend was marketing their services, so I thought I'd try it. Given the circumstances, I had to cancel my service. Still, while I had it they were very responsive with any of the calls that I placed. Their equipment also seemed to be the latest available.

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Greg Martin
February 15th, 2018 Spokane, WA DETAILS
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Since their rates seemed okay and it was recommended by someone to me, I decided to go with it. I had my own equipment, so I didn't really need to use theirs to be honest.

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Kevin Marquez
February 15th, 2018 DETAILS
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They had good rates, that's why we picked them. The system is kind of outdated though.

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Joshua Andrews
February 15th, 2018 DETAILS
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I never actually signed up for National Processing, but I was working with them. I found the concept of it and what it could do very compelling. I was working with a couple of companies that could've saved quite a bit of money with it.

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Lorne Sheridan
February 15th, 2018 DETAILS
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I was a member of Tranont, that's why I went with them. I didn't really use the software, but I thought they were pretty excellent.

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Tim Bartylla
February 15th, 2018 DETAILS
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I was with Tranont so I decided to go with them. They should reply faster to messages.

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