Home
Merchant Account Services
National Processing

National Processing

Name: National Processing
Rating: 4.2

4.2

star star star star star_border

153 User Reviews

6.8

Overall Score

Compare

4.2

star star star star star_border

153 User Reviews

6.8

Overall Score

Compare

The Good

The Bad

Bottom Line

Reviews

Write a Review

Company Details

Monthly Subscription Fee

Starting at

$10 - $199

Time in Business

18 Years

Company Headquarters

472 W 800 N Orem, UT 84057

Number of Reviews 153

info Source of Information

Author: Kaitlyn Short

LAST UPDATED: March 15th, 2021

National Processing provides several payment processing services including the following:

Credit card processor solutions
Electronic invoicing
Mobile payments processing
ACH processing
Check processing

Founded in 2007, National Processing services both large and small businesses across the United States. National Processing's service-oriented mission is to build strong, trusting relationships with merchants. Additionally, the company promotes authenticity and seeks to carry out its mission with upfront pricing, efficient payment processing services, and transparent business practices.

Continue reading our National Processing review or jump straight to National Processing reviews from business owners and other clients.

Top Ranked Companies

#1 Cayan

7.4 Overall Score

4.5

star star star star star_half

(255)

View Profile View Profile

#2 Dharma

6.8 Overall Score

4.6

star star star star star_half

(45)

View Profile View Profile

#3 goEmerchant

6.2 Overall Score

4.7

star star star star star_half

(31)

View Profile View Profile

thumb_up

The Good

National Processing Promises
Customer Service
Upfront Pricing
Lowest Price Guarantee

National Processing Promises

National Processing makes promises that are commonly ignored in the merchant account industry.

First, the merchant account provider commits itself to be transparent in all credit card processing relationships.

Second, it promises that it won't hold customers to an annual contract, meaning there is no early termination fee.

Finally, it promises not to raise the original rates provided to each merchant. The monthly fee and processing fees you pay at the start of your merchant account are what you will pay for the duration of your contract.

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 majority of National Processing’s customer reviews reflect largely positive customer experiences. Not requiring customers to sign a contract shows the value of customer satisfaction over the desire to turn a profit.

Upfront Pricing

National Processing promises consumers that no hidden fees will be added to the final 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. For example, the Membership Plans and transaction costs are as follows:

Small to medium restaurant: $10/month (0.15% + $0.07)
Small to medium eCommerce: $10/month (0.30% + $0.15)
Small to medium retail: $10/month (0.20% + $0.10)
$200,000 or less: $59/month (0% + $0.09)
$200,000 or more: $199/month (0% + $0.05)

Customers who want more information can simply visit National Processing’s pricing page, which lists the expected cost per $100 transaction.

Lowest Price Guarantee

In addition to its competitive rates, National Processing offers a price guarantee: if it can't beat a competitor's rates, the company will pay you $500.

thumb_down

The Bad

Fees

Fees

Though the company is upfront with its fees, be aware that there are fees beyond the monthly membership.

National Processing charges the following fees for credit card and debit card transactions:

Interchange
Assessment fees
National Processing margins

Transactions are also subject to additional fees from the company's processing solutions partners, such as Clover.

gavel

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 appear to have.

We recommend customers consider choosing National Processing's payment processing services as a possible alternative to less-affordable merchant services.

Read reviews below to hear from National Processing customers.

Was this content helpful?

thumb_up Yes thumb_down No

border_color Write a Review

User Reviews

Star Rating

4.2

star star star star star_border

153 Reviews

Review Breakdown

5 grade

66%

4 grade

14%

3 grade

2 grade

1 grade

12%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_border

Trustworthiness

star star star star star_border

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

check_circle

Verified Customer

star star star star star

Ken Fraser

A friend of mine was representing their company, so I switched to it. I had a lot of challenges, not necessarily with National Processing itself, but with their connecting gateway company. There are some software changes I'd like them to implement though. For instance, to check all your transactions and movements in your account, National Processing has two separate accounts that you have to look at to see everything. The other two programs that we use in our other businesses have everything under one account. Because of that difference, I stopped logging into the other account that came with my National Processing service. Still, I think they're pretty great.

7 years ago

check_circle

Verified Customer

star star star star star

Hot Diggity Dawg

great coverage on locations. We are a mobile food truck, travelling to many in town and out of town events. Anywhere you have cell service you have a reliable single, easy to use device. We have tried others previous to National and would rather just accept cash than to go through the headaches and lost revenue from any other competitors products and/or devices.

7 years ago

Reply from National Processing

Glad our products are able to help out with your mobile business!

Mar. 7th, 2018

check_circle

Verified Customer

star star star star star

LoriMacWhirter

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

7 years ago

check_circle

Verified Customer

star star star star star

Craig Reeves

The service seemed good and, with the pricing and the customized packages, it all sounded like a great thing to get. As far as I know, my customers are satisfied and have had no issues with the system. Customer service does its job well and takes care of everything immediately. They're just very friendly, knowledgeable, and pay attention to details. The job gets done in a timely manner and they resolve your problems.

7 years ago

Reply from National Processing

Happy to be of service, Craig!

Feb. 15th, 2018

check_circle

Verified Customer

star star star star star

Larry Eldreth

We used to be a branch from another business and since we were going to become retailers we needed a way to take payments from our customers. That's why we went with National Processing. Once they helped me set everything up on our computer, it was super easy to process payments. I'm not really a computer person, but the process is fairly simple and easy to understand, it just works great. I haven't had to use customer support much since then, things have just gone very smoothly.

7 years ago

Reply from National Processing

Thanks for the positive feedback!

Feb. 22nd, 2018

check_circle

Verified Customer

star star star star star

Darrell Morgan

They had good reviews for their service and offered us the best rates. That's why we picked them. I ran into a little bit of an issue when I tried to add another machine. Deposits weren't being made to the account and things turned into a real mess. It took us a couple of weeks to figure everything out. Still, everything works really well. The business rep that helps us does an excellent job at handling any issues that comes up.

7 years ago

check_circle

Verified Customer

star star star star star

Rhonda Inocente

They work with a company called Tranont and since I'm with them I got to save a little when I got National Processing. We just use their online gateway, we don't really need the software, but that looks ancient. It's just very plain, not modern looking at all, and it's not the easiest system to get around in. It could use some work. Customer service is good, they know who I am when I call them. They're always very helpful to me and my clients, plus they're very personable. It's a good service.

7 years ago

check_circle

Verified Customer

star star star star star

Kirby Smith Orem, UT

I had a sale guy come by and tell me about their discount rates and everything. Since it was way better than what I was paying, I decided to go with it. I haven't really used customer support much, thank goodness. The service itself is good though. As for the system, I'm not sure if the way the ticket is formatted and comes out is my favorite, but it's good.

7 years ago

check_circle

Verified Customer

star star star star star

Sal Silva Mesa, AZ

They were recommended to me by a friend, so I tried them and they turned out to be good. We are happy with the program so far, it's excellent. The software is good and easy to use. I can enter and save information, so I don't have to re-enter things every time I want to change something. Customer service always answers the phone on time and never gives me any problems.

7 years ago

check_circle

Verified Customer

star star star star star

Unser Ahmed Palatine, IL

Since I'm a Tranont member they give me business support for my company, National Processing just came with it. I personally love National Processing, I've referred many people to it because of their professionalism. They just do things in a timely manner and have the best rates out there. Sometimes it's a bit hard to get a hold of them, but they're great. The system is very easy to use too.

7 years ago

check_circle

Verified Customer

star star star star star

Rauncie Kinnaird

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.

7 years ago

check_circle

Verified Customer

star star star star star

Steve Billings Wichita, KS

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.

7 years ago

check_circle

Verified Customer

star star star star star

Sterling Fitzgerald

They were highly recommended and since they are a local company I decided to go with them. Customer support is amazing, whenever I need them for anything they're happy to help. They're just good people to work with. I've never had any trouble with them.

7 years ago

check_circle

Verified Customer

star star star star star

Hanna Jones

I used to have a different program that wasn't that great, so we switched and use this instead. The system is very easy to use. I think they're pretty great. Every time I call about anything, customer support always resolves things quickly.

7 years ago

check_circle

Verified Customer

star star star star star

Kim Wiens

I found it through a friend of mine. I haven't had to deal with customer service for too much. Whenever I do they have been good. The system works quite well for me but there's always room for improvement. Overall they're good.

7 years ago

check_circle

Verified Customer

star star star star star

Rebekah Pierson Pasco, WA

Their equipment works perfectly and I haven't had any problems with it. I've never had any issues with processing payments and such. If anything comes up, customer support answers my questions promptly. I do wish I could get paid a commission from them, but I'm not busy enough or get enough clients to meet their guidelines for that.

7 years ago

check_circle

Verified Customer

star star star star star

Cris Borland Hayward, CA

I picked them since the percentage was good. Installing the system was just very easy to install. Customer service is always available when I need to ask a question. It has been a good experience so far. I haven't found a reason to doubt them.

7 years ago

check_circle

Verified Customer

star star star star star

Spencer Folkman Orem, UT

A friend referred them to me. The system is a little slow lately and we would actually like to have better instructions for when we run into problems with it. Outside of that, we really haven't had to call them much.

7 years ago

Reply from National Processing

We can help you out Spencer. Our in-house service team is great with helping with these kind of issues. Call us at 1-800-720-3323 and we will walk you through it!

Feb. 15th, 2018

check_circle

Verified Customer

star star star star star

Anonymous Springville, UT

They have good rates and good customer service so far. They are quick and knowledgeable when they communicate with you. So far the app has worked out fine, it seems to have no problems and processed things as it should.

7 years ago

check_circle

Verified Customer

star star star star star

Leslie Anderson Orem, UT

The owner is a personal friend, so I thought I'd try it. Customer support has helped me whenever I had a question and they have top of the line equipment. They're just a very qualified and professional company.

7 years ago

check_circle

Verified Customer

star star star star star

Morgan Carter Orem, UT

I was using Tranont and just needed a merchant account for some of our cards, so I got National Processing too. I haven't really had a reason to call customer service yet. The equipment just works, it's all good.

7 years ago

check_circle

Verified Customer

star star star star star

Bart Roylance Smithfield, UT

My boss was the one that decided to get it. Still, when we use the system we get fast results and when we call they give us the answers that we need very quickly.

7 years ago

Reply from National Processing

We will always get back to you as soon as we can to give you the results you want. Thanks, Bart!

Feb. 15th, 2018

check_circle

Verified Customer

star star star star star

Kathy Wiebe Wichita, KS

They were a much more economical option, so I went with them. The system is easy and they respond very quick when we call them. They're also very easy to talk to.

7 years ago

star star star star star

BRADEY SMITH Alpena, MI

Very impressed. Had an bad situation with a previous processor. Josh B. Got us up in running in 5 hrs, set us up with a virtual account to process via a tablet or any device until our machine was overnighted. By far the best I have dealt with. He even texted me during this rush process. Didn't have to spend nonsense time trying to speak to a rep, they were on point. Highly recommended! Thanks

6 years ago

star star star star star

Gary Freeman Mountain Home, ID

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.

7 years ago

Reply from National Processing

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

Feb. 26th, 2018

star star star star star

Lance Gentry Weiser, ID

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!!!!

7 years ago

star star star star star

Darrin Hallman Saint George, UT

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.

7 years ago

Reply from National Processing

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!

Feb. 7th, 2018

star star star star star

Dan Richey West Jordan, UT

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.

7 years ago

star star star star star

Jim Smith Stockbridge, GA

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.

7 years ago

star star star star star

Scott price 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.

7 years ago

Reply from National Processing

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

Feb. 13th, 2018

check_circle

Verified Customer

star star star star star

Rich and Judy Brunson Salem, UT

I think it helps that we now personally know people who work there. At first not a lot of follow through but now everyone is super accomadating!

7 years ago

check_circle

Verified Customer

star star star star star

Jennifer Haines Oceanside, CA

Lowest merchant fees!! Even the CPA couldn't believe the difference in fees from former merchant processor to National Processing!

7 years ago

check_circle

Verified Customer

star star star star star

Jen King Provo, UT

Easy to work with. Our sales rep has been very upfront and honest. Provided what was promised and resolves questions quickly.

7 years ago

check_circle

Verified Customer

star star star star star

David's Lawn Care LTD. Saskatoon, Saskatchewan

Very easy to use, you get your money deposited quickly in your account. We would recommend this company. Also they are trust worthy.

7 years ago

check_circle

Verified Customer

star star star star star

Cathy Torres Wichita, KS

National strives to be the best company with the lowest rates to keep your fees as low as possible without rate increases.

7 years ago

check_circle

Verified Customer

star star star star star

Chris North Manchester, IN

Their pricing and customer service is top notch. They are knowledgeable and are very nice when talking to them on the phone.

7 years ago

check_circle

Verified Customer

star star star star star

NannetteVides

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.

7 years ago

Reply from National Processing

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

Feb. 22nd, 2018

check_circle

Verified Customer

star star star star star

Lorne Sheridan

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.

7 years ago

check_circle

Verified Customer

star star star star star

Donovan McNamee Orlando, FL

I went with them since they had the best rates. They have always answered my questions and solved things every time I needed them.

7 years ago

Reply from National Processing

We take pride in the rates we provide. Great to hear they have been of benefit to you!

Feb. 16th, 2018

check_circle

Verified Customer

star star star star star

Anonymous

The cost was what convinced me of going with them. The equipment works quickly. I haven't used the customer support a whole lot, but they seem good.

7 years ago

check_circle

Verified Customer

star star star star star

Jordan Monga

We never had an issue with customer service, though we didn't really talk to anybody. We never really ran into any problems with the system.

7 years ago

check_circle

Verified Customer

star star star star star

Richard Heftel Provo, UT

Their service was what convinced me of getting it. It's easy to use the software and the customer service person that helps me is great.

7 years ago

star star star star star

Jesse Huff Woodward, OK

I searched for the best rates among merchant payment processing services and I found National Processing to have the best that I could find. Josh Beutler was my sales executive and he was very helpful and friendly, which you don't always come across.

7 years ago

Reply from National Processing

Happy to hear about your positive experience with our rates and sales executive! Thanks for the feedback, Jesse!

Mar. 7th, 2018

star star star star star

Bella A Virginia Beach, VA

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!!

7 years ago

Reply from National Processing

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

Feb. 7th, 2018

star star star star star

Colby Porter Boise, ID

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.

7 years ago

Reply from National Processing

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

Feb. 28th, 2018

star star star star star

Lisa Clarke

I did a lot of research before choosing our credit card processing company. It was mostly confusing and frustrating... We have been very happy with the pricing and the service received so far and would highly recommend them.

7 years ago

star star star star star

Brittany South Jordan, UT

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.

7 years ago

star star star star star

Aaron S. Manchester, NH

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.

7 years ago

star star star star star

Tyler Hurst Star, ID

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!

7 years ago

star star star star star

Robert R Sarasota, FL

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.

7 years ago