National Processing

National Processing Logo

National Processing

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.  

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User Reviews


151 Reviews

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Mad Dash Delivery
December 12th, 2017 Lewiston, ID DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

National Processing Logo

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.