Credit Card Processing Solutions
Top Companies in 2025
National Processing vs Stripe
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- Month to month payments
- Interchange plus pricing and flexible plans
- Clover terminals and POS systems
- International credit card processing services
- No monthly fees
- Affordable and portable chip reader
- Cross-border payment options for 50+ countries across 135+ currencies
- Transparent prices and fees
- Not a good option for high risk industries
- Reports of frozen funds and deactivated accounts
- Lack of transparency on high-risk cases
- Have to pay for "premium" support
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.
Stripe is a merchant services provider that offers payment processing solutions for businesses of all sizes. They offer both merchant accounts and related services, including payment gateways, online transaction processing, point-of-sale (POS) systems, and credit card readers. Stripe is a payment processor that allows business owners to accept payment from a variety of methods or sources, including mobile wallets and "buy now, pay later" services. The company offers lots of additional services, including billing, invoicing, and sales tax automation. Stripe is renowned for its straightforward pricing model, where a flat rate is charged per transaction. It is a preferred option for businesses that predominantly operate online, as its distinctive features are primarily tailored toward enhancing online sales. Stripe is accredited with the BBB and has an A+ rating with them, but they have an average review score of 3.1/5 on Trustpilot. Their website offers two service options: an integrated "pay-as-you-go" plan that charges 2.9% +30¢ per card charge or a customized plan that involves interchange-plus pricing for businesses with higher volumes. Prospective clients must contact sales to discuss pricing for the latter plan.
- Transaction Speed : 2-3 days
- Customer Experience : Good
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Interchange-Plus and a monthly fee
- Trustpilot Score : 3.3 out of 5
- BBB Rating : A+
- Transaction Speed : 24 hours
- Customer Experience : Good
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Interchange plus; separate feature rates & charges
- Trustpilot Score : 2.8 out of 5
- BBB Rating : A+
- Free hardware
- Accepts high-risk businesses
- International credit card processor (50+ countries)
- Extensive related services & features
- Affordable and portable chip reader
- Targeted solutions for startups & specific industries
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- Billing & Invoicing
- Electronic Receipts
- Free Hardware—Undisclosed
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription
- Free Trial
- Freemium
- Monthly Subscription
- One-Time License—Undisclosed
- Annual Subscription—Undisclosed
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription—Undisclosed
- One-Time License—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software
- Processing Services
- Accounting Software
- POS
- Productivity Software
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application—Undisclosed
- Phone
- Tickets
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
National Processing vs. Stripe
Choosing between National Processing and Stripe can be challenging for businesses seeking efficient payment processing solutions. Both companies cater to diverse business needs, offering advanced features and secure payment systems. This comparison highlights their value-added services, usability, data security, and pricing to help businesses make informed decisions.
Value-added services
National Processing focuses on providing tailored payment solutions for businesses of all sizes. Their offerings include POS systems (traditional, mobile, and virtual terminals), third-party payment tools, and support for multiple payment methods such as credit cards, ACH, and e-checks. Their suite of services also includes gift cards, loyalty programs, and robust reporting tools to enhance customer engagement and decision-making. Businesses benefit from free hardware options and 24/7 customer support.
Stripe, on the other hand, offers an all-in-one platform emphasizing flexibility and scalability. Their value-added features include a developer-friendly API, global payment acceptance, and support for 135+ currencies. Stripe supports advanced options like buy-now-pay-later services, optimized payment routing, and integrations with popular software like Shopify. Additional tools such as fraud protection (via Stripe Radar), tax automation, and customizable payment flows set them apart. Stripe’s seamless integration of online and in-person payments provides businesses with a unified commerce platform.
While National Processing excels in affordability and support for high-risk businesses, Stripe stands out with its customizable tools and robust global payment capabilities.
Usability
Both companies prioritize ease of use but cater to different audiences.
National Processing ensures straightforward payment processing with user-friendly POS systems and seamless integration with business software. Their services are designed to suit businesses looking for hassle-free setups and clear functionality.
Stripe targets tech-savvy users with its developer-friendly API, enabling businesses to create tailored payment solutions. While Stripe offers prebuilt integrations for non-technical users, businesses with unique needs can benefit from Stripe’s highly customizable tools.
In terms of usability, National Processing is ideal for businesses seeking simplicity, while Stripe appeals to those needing advanced customization.
Data security
Security is a top priority for both providers.
National Processing safeguards transactions through encryption, tokenization, and PCI-DSS compliance. Its infrastructure is designed to mitigate fraud and ensure data security, and regular audits reinforce its reliability.
Stripe takes security a step further with advanced fraud detection via machine learning and additional tools like 3D Secure. Their AES-256 encryption and tokenization ensure robust protection, and their PCI Level 1 compliance demonstrates a commitment to high-security standards.
While both companies offer strong security measures, Stripe’s advanced fraud prevention features provide an extra layer of protection.
Pricing
National Processing provides multiple pricing plans tailored to businesses of all sizes, including low-cost monthly options and customizable packages. Their transparent fee structures and cash discount programs offer flexibility, though higher-tier packages may incur additional costs.
Stripe operates on a pay-as-you-go model with transparent rates (2.9% + $0.30 per card transaction). Additional features like ACH payments and fraud protection may incur extra fees. Custom pricing is available for high-volume businesses.
National Processing’s pricing is ideal for budget-conscious businesses, while Stripe offers scalability and transparency suited to diverse needs.
Conclusion
Both National Processing and Stripe are excellent choices, but the best fit depends on business priorities. National Processing’s affordability and straightforward solutions suit small to medium-sized businesses, while Stripe’s robust features and global capabilities make them ideal for tech-savvy or international enterprises.
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