Clover vs National Processing

Founded in 2011 and headquartered in Sunnyvale, California, Clover Credit Card Processing, a Fiserv subsidiary, is a cloud-based payment processor catering to small and medium-sized businesses. Renowned for its innovative features, including enhanced inventory tracking, seamless integrations, and multicurrency support, Clover simplifies payment processing and business operations. It has become a top choice in the modern business landscape due to its comprehensive approach and adaptability to diverse industry needs. Customer experiences vary, with positive reviews emphasizing efficiency and security measures, while some note concerns about communication and billing issues. Clover's commitment to PCI compliance is evident through adherence to the Payment Card Industry Data Security Standard (PCI DSS). This underscores their dedication to secure payment transactions, employing cutting-edge technologies like 2-factor authentication and end-to-end encryption. Despite some user-specific challenges, the company's reliable technology and Fiserv backing position Clover as a trusted partner for businesses seeking integrated payment processing solutions.

National Processing is a merchant service provider founded in 2006 and based in Orem, UT. They offer credit card processing services to thousands of businesses of all sizes within the industries of retail, restaurants, enterprises, service, eCommerce, and health and wellness. They also cater to businesses deemed "high-risk" for various reasons, although at higher costs. National Processing offers a variety of payment processing solutions, including credit card processing, ACH processing, and online transactions. They offer many hardware options, including free terminal placement, free mobile readers, and free pin pads, as well as software options like a robust POS system, reliable credit card processing, and a trustworthy merchant account. Thanks to National Processing's proprietary processing gateway for online transactions, businesses can link their shopping cart with a POS system or virtual terminal. National Processing is accredited by the BBB, has an A+ rating on their website’s profile, and has a generally positive reputation among clients. Their pricing model is interchange-plus, and National Processing does share some processing rates and specific plans geared to certain industries, like retail or restaurants, on their website. Nonetheless, prospective clients are encouraged to fill out a form to be contacted in order to ask more questions and learn more about their services and pricing structure before making a final decision.