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National Processing

National Processing Review: Fees & Features Revealed

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National Processing Review: Fees & Features Revealed

Updated: December 5, 2023

Credit card processing services are essential in the dynamic world of business. They're necessary to the success and survival of businesses of all sizes because of the smooth transactions they enable. Choosing the best service from the abundance of alternatives could be difficult. This review will serve as a beacon, illuminating the offerings, pros and cons, pricing, security, user experience, and customer support of National Processing, a leading contender in the market.


Month to month payments
Interchange plus pricing and flexible plans
Clover terminals and POS systems


Not a good option for high risk industries


Quick Stats

Transaction Speed
2-3 days
Customer Experience
Business Size Supported
Small-medium sized businesses (SMBs), large and high-risk businesses
Gift Cards
Real-Time Reports
Transparent Pricing
Pricing Model
Interchange-Plus and a monthly fee
Trustpilot Score
3.3 out of 5
BBB Rating

Company Overview

National Processing was launched in 2007 in Orem, Utah, and seeks to provide streamlined, transparent transactional processing to small, medium, and large US-based businesses, including the ability to take all major credit cards, ACH, internet transactions, and check payments. 

They provide low-cost monthly options for specified sectors beginning at $9.95 per month and more comprehensive, subscription-based services starting at $59 and $199 per month. Businesses of all sizes could save money using multiple solutions for small and large-volume credit card processing. They merely need to produce a rival offer to National Processing to take advantage of the processor's pledge to meet or surpass lower prices. This provider works with Avidia Bank and Chesapeake Bank.

They have an A+ rating from the Better Business Bureau (BBB) and have been BBB-accredited since 2008.

Service Offerings

This merchant account provider goes beyond the ordinary, providing a suite of credit card processing services meticulously crafted to meet the diverse needs of businesses. 

  • POS system: The company provides a range of Point-of-Sale (POS) solutions, including traditional in-person systems, mobile POS for on-the-go businesses, and virtual terminals for phone and mail order transactionsIntegration: Emphasizing seamless integration, this provider ensures their services harmonize with various business software and platforms, providing businesses with an integrated and efficient experience
  • Security features: This payment processor prioritizes security, employing advanced features such as encryption, tokenization, and adherence to PCI-DSS standards to fortify businesses against potential threats
  • 24/7 customer support: Recognizing the importance of constant support, this company offers 24/7 customer support, ensuring assistance is available to users at any time through various communication channels
  • Gift cards and loyalty programs: This provider facilitates the integration of gift cards and loyalty programs, showcasing a commitment to enhancing customer engagement and retention
  • Multiple pricing plans: With various pricing plans, including transparent fee structures, this provider caters to businesses of different sizes, ensuring flexibility in financial planning
  • Live chat: Users benefit from live agent support, adding an additional layer of accessibility for those seeking immediate assistance
  • Multiple payment tools: National Processing provides users with a variety of payment tools from third-party providers like Clover to accept credit card payments, enabling businesses to choose solutions that best fit their specific needs
  • Multiple payment options: The company supports diverse payment options such as invoices, terminals, and e-checks/ACH processing, ensuring businesses can accommodate various customer preferences and payment methods
  • Currency flexibility: Recognizing the global nature of business, they offer currency flexibility, catering to companies with international operations
  • Reporting and analytics: Robust reporting and analytics tools empower businesses with insights, allowing them to make better decisions and effectively track their performance
  • Various free hardware: They offer a wide variety of free equipment, such as mobile card readers, through other providers to offer their customers different options to choose from for their specific business and payment type

Advantages & Possible Limitations 

While this company offers diverse advantages and features, such as pricing plans, businesses may need to carefully assess the potential costs, especially with some concerns about potentially higher fees for comprehensive service packages. A thorough consideration of the advantages and drawbacks is crucial for businesses to decide better about partnering with this provider.


  • Streamlined transactions: National Processing delivers a swift and uncomplicated payment experience. Utilizing cutting-edge technology and efficient processes, the company ensures that transactions—whether at a traditional point-of-sale, online, or on mobile platforms—are seamless, contributing to operational efficiency and customer satisfaction
  • Enhanced security: Security is paramount for National Processing, demonstrated through advanced measures like encryption and tokenization. Compliant with PCI-DSS, the company provides a robust security infrastructure that instills confidence, effectively mitigating the risks associated with fraud and data breaches
  • Diverse payment acceptance: Recognizing varied customer preferences, they support various payment methods, including credit cards, debit cards, and emerging contactless technologies. This adaptability enhances customer satisfaction and keeps businesses at the forefront of evolving payment options
  • Free hardware: National Processing offers complimentary hardware, eliminating business upfront costs. This customer-centric approach, especially beneficial for smaller enterprises, allows access to cutting-edge payment technology without financial constraints
  • Accepts high-risk businesses: National Processing stands out for their willingness to work with high-risk businesses, setting them apart from conventional processors. By embracing industries with higher chargeback rates, the company fosters growth and inclusivity, offering essential payment processing services without unnecessary barriers


  • Lack of transparency: One notable disadvantage of this provider is the lack of transparency in certain aspects of their service, such as the different plans offered, contracts, termination fees, or their software. While the company offers diverse pricing plans, the details may not always be presented straightforwardly, potentially leading to misunderstandings and unexpected business costs. 
  • Processing fees: While the range of services is impressive, businesses with budget constraints might find the comprehensive packages to be on the higher end. Like many credit card processing services, this provider is subject to processing fees. While the company does offer diverse pricing plans to cater to businesses of different sizes, some users have reported concerns about potentially higher costs, particularly for comprehensive service packages. While robust, the range of services provided by National Processing may come with associated fees that could be perceived as relatively higher, especially for smaller businesses with limited budgets. Companies considering National Processing may benefit from thoroughly reviewing the fee structures to ensure alignment with their financial capabilities and requirements. Transparent communication about fees and potential cost implications would contribute to a more informed decision-making process for businesses

Pricing Structure

National Processing adopts a flexible pricing structure, with various packages designed to accommodate businesses of different sizes. Their subscription plans have a transaction price, an interchange rate, and a monthly fee. They offer a cash discount program for customer businesses accepting cash and debit card payments, with a low cash discount rate of 3.99% and a monthly minimum of $3,000. Their ACH transaction rates are standard, costing around $0.48 per ACH payment compared to a 2.5% fee for credit card transactions. They state that there is no termination fee with their Basic and Advanced plans.

The four packages they offer are the following:

  1. Basic in-person: The Basic In-Person package is tailored for businesses primarily engaging in face-to-face transactions. The price for this plan consists of transaction fees and a monthly cost of $12. The transaction consists of interchange fees of 2.5% and a margin of $0.10
  2. Basic eCommerce: For businesses primarily operating in the online realm without a terminal, the Basic eCommerce package is curated to meet the specific demands of e-commerce transactions. The pricing for this plan is 2.9% + $0.30 transaction fee as well as a monthly fee of $12 per month
  3. Advanced Plan: The Advanced Plan is a comprehensive offering that goes beyond the basics, and caters to businesses with more extensive needs. The monthly cost of this plan depends on the feature selected, which starts at $19 per month. The transaction rate is 2.41% + $0.10. If a business owner wants to use manual processing with this plan, they will be charged a transaction rate of 3.5% + $0.15
  4. Premium Plan: As the top-tier offering, the Premium Plan is designed for businesses requiring the highest level of service and functionality. It's catered to companies that make over $30,000 in monthly sales. It's the most customizable plan they offer. The monthly fee for this plan starts at $9.95

Businesses should carefully assess their needs and choose the package that best fits their operational model, the volume of transactions, and goals for growth. To maximize the value obtained from National Processing's credit card processing services and make an informed decision, it’s also essential to comprehend the precise terms, processing rates, and any prospective add-ons related to each package. Do so by asking all the necessary questions before signing a contract. 

Security & Compliance

Security forms the backbone of National Processing's services, with a robust infrastructure to safeguard against fraud and breaches.

This provider prioritizes security, employing encryption and tokenization. In adherence to the Payment Card Industry Data Security Standard (PCI-DSS), the company ensures that client data remains secure. Regular audits and updates further bolster National Processing's commitment to maintaining a safe environment.

User Experiences & Feedback

The reviews about National Processing are mixed. They have a 3.3 out of 5 rating on Trustpilot and a 4.4 out of 5 rating on Birdeye. However, they have a 1.13 out of 5 rating on the BBB and a 1.0 out of 5 rating on Yelp.

Customers who praise National Processing frequently mention the company's fast transactions, comprehensive security measures, and dedication to helping firms in various industries, including those deemed high-risk. Positive feedback also mentions the numerous payment acceptance alternatives, free hardware, and user-friendliness of the credit card processing services. Many businesses value the adaptability of National Processing’s pricing options, which appeal to organizations of all sizes.

While National Processing receives generally favorable reviews, some users have expressed concerns, particularly regarding the transparency of the additional fees and contractual terms. The difficulty in understanding certain aspects of the pricing plans has led to unexpected costs for some businesses. Account cancellation fees and fund holding were some of the other downsides that customers complained about. One customer complained about their funds of about $9000 being held for more than seven days without a response from the company. The company responded that it was due to an error with the IRS Backup Withholding settings, which was later resolved.

It looks like this processor is diligent in dealing with online complaints. Their comments frequently indicate a desire to resolve conflicts and clear up misunderstandings. The organization interacts with consumers on various platforms, demonstrating responsiveness to client input.

Considering all these factors is essential when evaluating whether to work with them.

Customer Support & Service

This provider stands out with a customer support team that goes above and beyond. Accessible via phone at 800-803-4592, email at [email protected], and live chat, the team is dedicated to addressing queries and concerns promptly. You can also fill out a form on the company’s website, and they will contact you.

National Processing's website does a great job of offering resources, FAQs, blog pages, and helpful articles.

Final Thoughts 

In the dynamic credit card processing landscape, National Processing emerges as a steadfast and reliable partner for businesses seeking seamless transactions, security, and exemplary customer support. The company's rich history, diverse service offerings, and commitment to client satisfaction position them as a frontrunner in the industry.

As businesses consider their options, this processor is a compelling choice for those prioritizing experience, security, and a versatile suite of services. While this review provides a comprehensive overview, businesses are encouraged to delve deeper, perhaps contacting them directly for any additional information needed to make a smart decision.

If you are still unsure about the services and prices offered by this payment processor, we recommend you read our CCP provider reviews, extensive blog posts, and comparison pages.  

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