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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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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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Tarrq
February 15th, 2018 Mesquite, TX DETAILS
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Great service, competitive rates...........

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Dena Simister
February 14th, 2018 Coalville, UT DETAILS
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We've been very happy with our National Processing experience. Fair rates, great support, no hassles, and no surprises.

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RICHARD HEFTEL
February 14th, 2018 Las Vegas, NV DETAILS
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Josh is fabulous to work with. doesn't get any better

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Cory Pulsipher
February 14th, 2018 Orem, UT DETAILS
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I've been using National Processing for over 2 years now and they have been a great partner. They are quick to respond to my questions and always very professional.

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Lance Gentry
February 14th, 2018 Weiser, ID DETAILS
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I have to say that national processing is the BOMB. No years of a lease agreement or any types of small fine print that you can’t see. They are very helpful throughout any process you decide to go through. Customer service is top notch. I would recommend anyone who has merchant services to join up with these guys. Bar none the best. I sold my business and no cancelation fees. Bank of America merchant services, you are terrible!!!!

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Tim Duncan
February 14th, 2018 Corpus Christi, TX DETAILS
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My experience with National Processing has been nothing but positive. Or monthly subscription transactions and daily incidental sales are handled flawlessly. Customer service, when needed, is professional and prompt.

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Charles Markham
February 6th, 2018 Norwell, MA DETAILS
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Very happy with their product. We searched high and low for an online eCheck processor with reasonable fees.

National Processing Logo

Reply from National Processing

Feb 06, 2018

We are happy you found us and are delighted with your satisfaction with our product!

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Darrin Hallman
February 6th, 2018 Saint George, UT DETAILS
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National Processing us has allowed us to get a much better handle on our accounts receivable. The low cost or their EFT/ACH transactions have allowed us to process payments faster than waiting for checks from our clients and offer a huge savings over credit card transactions. We have found their credit card fees to be competitive as well. Their customer service has also been excellent on the rare occasions we have needed to call.

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Reply from National Processing

Feb 07, 2018

That is great we were able to help your business run more efficiently. We look forward to our continued working relationship. Thanks for the review, Darrin!

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Logan
February 6th, 2018 Chatsworth, CA DETAILS
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Very easy set up, great customer service. They are always there to help you. I would definitely recommend them, and if you can get the Clover, it’s perfect for any kind of business

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Reply from National Processing

Feb 07, 2018

We emphasize customer service and are pleased to hear about your experience with us! We are always here to help you!

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Rick Clayton
February 6th, 2018 Orem, UT DETAILS
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My business has used Nation Processing for our business for over 5 years. Their service has been great, but their fees have saved our business thousands of dollars over the years.

National Processing Logo

Reply from National Processing

Feb 06, 2018

Great to hear about our prices helping you out, we strive to provide the best, lowest rates possible! Thanks, Rick!

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Creative Household Services
January 22nd, 2018 DETAILS
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Great customer service, quick set up, easy to work with.

National Processing Logo

Reply from National Processing

Feb 05, 2018

We appreciate your positive feedback and look forward to doing business with you!

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Nick
January 22nd, 2018 DETAILS
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Went above and beyond and fixed any problem we had

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Reply from National Processing

Feb 05, 2018

Glad to hear you are happy with our customer service, Nick!

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California State Firefighters Welfare Benefit Corp.
January 22nd, 2018 DETAILS
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We have used other companies and we found NatPay to be Easy to use, accurate, best price,

National Processing Logo

Reply from National Processing

Feb 05, 2018

We strive to be honest and transparent with everyone we work with and are glad you have found that with us!

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Cara Leeds
January 8th, 2018 Derby, KS DETAILS
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We have had good luck with our experience so far. Easy to work with. Helpful staff. But not good on returning calls.

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Reply from National Processing

Feb 05, 2018

We are sorry for not getting back more efficiently on calls. However we do appreciate your patience with us and feedback. Thank you!

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Leo Papadopoulos
December 14th, 2017

worst company ever! Their mouth says one thing....and their body does another.....they are self serving, and I have the lowest opinion of them possible. Do yourself a favor and look under any other rock than this one.....lowest form of life i have encountered

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Reply from National Processing

Feb 06, 2018

Thank you for the feedback, Leo. We are sorry about the bad experience you had with us. Please reach out to us giving us more details on what happened and if there is anything we can do. We would love the opportunity to work with you!

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Brittany
December 14th, 2017 South Jordan, UT DETAILS
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The people at National Processing are always available to answer my questions. Even it I ask the same question a couple times a year they are eager to please. My statements are easy to read and their charges/rates are better than other companies I have looked at.

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Karen Zagami
December 14th, 2017 Jupiter, FL DETAILS
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I have been vert happy with your staff. Anytime I call I speak with Nate C. he is always available to help.

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Dan Richey
December 14th, 2017 West Jordan, UT DETAILS
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National Processing is a GREAT COMPANY to work with!! We have been with them for about a year and a half. Previously, with a different merchant provider, we had problems with limits, high rates, and customer service. We made the switch to National Processing and have been very happy with their merchant processing and their customer service. Highly recommend doing business with them. - Dan, Ship Central.

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Jim Smith
December 13th, 2017 Stockbridge, GA DETAILS
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This is my first year with NP. Been having a difficult time settling batches. They have provided excellent service to fix the problems. We don't believe it is on their end but on mine. I am trying to use a phone line and it just isn't working. I believe its the sorry phone line I have with AT&T. I am a seasonal vendor (Christmas Trees) so my issues are often not taken seriously by AT&T. If NP had not taken me seriously I probably couldn't take CC's.

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Joy Gingrich
December 12th, 2017 Layton, UT DETAILS
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National Processing have been good to work with. They lowered our rate from our previous provider and we have had no issues with their service or terminals.

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Aaron S.
December 12th, 2017 Manchester, NH DETAILS
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I can't thank National Processing enough. Last year when no one else would approve the volume level my business was doing they did. Because of them, I was able to process sales without incidence. Highly recommend this company.

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Daniel Sommerfeld
December 12th, 2017 DETAILS
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I have been very satisfied with National Processing regarding the low fees and how quickly I get my money. One draw back I have had is that I have not yet been able to process debit card payments even though in a telephone conversation was told that I would be able to accept them.

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Tyler Hurst
December 12th, 2017 Star, ID DETAILS
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It has truly been a wonderful experience to work with the team at national processing. What is most impressive is their very responsive customer service! They get right back to you, plus the setup process was Simple and quick. No Better company in processing than National Processing!

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Tcherina Zylstra
December 12th, 2017 DETAILS
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Every step of the process was done with professional and friendly service. When I had an issue with machine the customer service line was exceptional in fixing the problem , friendly and done in a very timely manner.

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Robert R
December 12th, 2017 Sarasota, FL DETAILS
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Tried many other processors and was either over charged or had terrible service (or a combination of both). These guys have been accessible, helpful, transparent, and awesome to deal with. I did my research about different companies and so glad I found National.

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Barry Farris
December 12th, 2017 McKinney, TX DETAILS
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We have been with National Processing now for about a year and a half. We have been pleased with the service and haven’t had any issues. In the process of buying two more car washes that we will be changing over.

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Brett Bailey
December 12th, 2017 American Fork, UT DETAILS
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We have used National Processing from the first day we started taking credit card payments. They integrated well with Quickbooks and with our website. Whenever we have a question, it is easy to get someone on the line to discuss it with.

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Cindy Van Vliet
December 12th, 2017 Modesto, CA DETAILS
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I really love the staff at National Processing. They are very helpful. Since we switched to National Processing we have not had any issues. The processing time is very fast usually by the next day sometimes sooner. I also love how simple it is to run a credit card. I would recommend them. Thank you National Processing for great service.

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Jerry Pierce
December 12th, 2017 Gooding, ID DETAILS
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We conducted some thorough research prior to changing our credit card processing services. National Processing was the only company that had polite and friendly customer service, prompt responses to requests for information, and they ended up saving us money in the end.

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Scott price
December 12th, 2017 Orem, UT

I have dealt with Merchant companies for the past 20 years, and I’ve never dealt with such a professional level of processor. The customer service is great. The products are great. The money going into our account is fast. I would suggest national processing for every business owner. This was definitely the best decision for our company. To go with National Processing.

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Reply from National Processing

Feb 13, 2018

We will happily continue to provide you with great service! Thanks Scott!

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Mad Dash Delivery
December 12th, 2017 Lewiston, ID DETAILS
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Cheap fees. During the signing up process our business name was not properly recorded which ended up costing us almost $3,500 in government fees. Lack of attention to detail on National Processing's part. Very disappointed.

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Reply from National Processing

Feb 06, 2018

We are very sorry to hear about your experience during the signing process. When we looked into this, the miscommunication seems to have happened when we were getting the Tax ID from you. When that happens, you are only supposed to be charged $10 a month. Can you email [email protected] letting us know why you were charged so much? Thank you for the feedback.

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