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National Processing Review: Pros, Cons, and Top Perks

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National Processing Review: Pros, Cons, and Top Perks

National Processing Review: Pros, Cons, and Top PerksNational Processing Review: Pros, Cons, and Top Perks


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

Customer Support
Fair and transparent rate structure
Not Available
Based on the payment method
Strong uptime record
Not Available
Transaction speed
24 hours

National Processing is a leading company with solutions that fit almost every industry. If you run a business in food services, healthcare, eCommerce, retail, wellness and fitness, National processing might be the credit card processor you look for.

National Processing offers month-to-month payments, low rates, and interchange-plus pricing, making it one of the best credit card processing services out there. In this article, we'll help you find out whether or not NP is the service your business needs to thrive.

National Processing Top Perks

Here's what National Processing has to offer:
1. Month-to-month payments
2. Interchange plus pricing and flexible plans
3. Clover terminals and POS systems
4. Covers all the essential features a business needs

National Processing receives a lot of good reviews for its low transaction rates, thanks to the use of Interchange-Plus rates that are lower than other credit card processing providers. It ensures your rates won't increase during the life of your account.

No matter the type of credit card, National Processing handles the majority of credit cards, including Mastercard, Discover, American Express, and Visa, besides all electronic checks and online transactions.

National Processing Features

National Processing has the following features:

Merchant accounts

Like many other merchant account providers, National Processing doesn't work as a direct processor. Instead, it uses a third party, which appears to be Fiserv. However, the company provides its own customer service, which means you refer only to National processing to solve any account hold, freeze, or termination.

Payment gateway

National Processing partners with Authorize.Net to support merchants. The eCommerce merchants integrate with Woocommerce, Shopify, and more. The gateway can be easily connected to online shopping carts and or manually running transactions, and it's also a great option for small, medium, and large businesses.


Cash Discount

National Processing has one of the most reliable cash discount programs. This program is fully compliant with the major card brands and works with SwipeSimple, Clover, and Dejavoo devices.


Virtual terminal

With this terminal, your customers can make payments by inputting their card information online; this doesn't require hardware.

ACH processing

In addition to accepting card and mobile payments, you can offer direct deposit to employees, accept check payments, and set recurring transactions. National Processing pricing for this service starts at 48 cents per transaction and $15 per month.


National Processing integrates with a large number of solutions and services, including Quickbooks, WooCommerce, BigCommerce, Ecwid, Zendesk, Shopify, and OpenCart.


National Processing Cost


Unlike many other credit card processors, National Processing fees and rates are transparently disclosed on the website. The company breaks its plans down by the business industry and type of payment processing, with all plans offering interchange-plus pricing.

National Processing is one of the best providers on the market when it comes to fees. It doesn't charge any account setup or annual fees. It also doesn't require a monthly minimum for any of its pricing plans. If you don't need a free terminal, your contract comes with month-to-month billing and no early termination fee.

Businesses with high volume are eligible for monthly membership pricing plans that exclude the per-transaction percentage markup in exchange for a higher monthly subscription fee.

For similar businesses with high payments volume, there are two different options:

  • Subscription: This plan is available for $59 per month and 0%+$0.09; it includes Free Reprogram of Existing Equipment, Free Gateway Setup, Free SwipeSimple Mobile Reader, Free Mobile Reader, Free Terminal, and Free Pin Pad.
  • Subscription Plus: This plan is available for $199 per month and 0%+$0.05; it includes Free Reprogram of Existing Equipment, Free Gateway Setup, Free SwipeSimple Mobile Reader, Free Mobile Reader, Free Terminal, and Free Pin Pad, Free SwipeSimple Terminal, and Free Terminal Upgrade Every 2 Years.

Each plan comes with the following perks:

  • Free reprogram of existing equipment
  • Free gateway setup
  • Free SwipeSimple mobile reader

If you need ACH/eCheck processing, there are separate fees for this optional program as follows:

  • Monthly Fee: $15
  • ACH transactions cost: 0-1.5% + $0.48 per transaction


Customer Support

National Processing offers 24/7 customer support via telephone and email, and it has a live chat function on its website. We have reviewed some of the comments online about the National Processing support staff and whether they are responsive or not, and most of the reviews are positive and make it clear that the company has one of the most responsive and friendly support options.


Final Verdict

National Processing is one of the leaders in the credit card processing field; the company's solutions integrate with a wide number of services and offer flexible and affordable prices for almost every industry, including enterprise, eCommerce, retail, health, and food and beverage, and many others.



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