National Processing Merchant Services Review 2024

National Processing is a reliable merchant services provider founded in 2007 and headquartered in Orem, Utah. It has a wide array of options in the delivery of payment processing solutions to fit different business demands, ranging from small-scale to large-scale companies spanning several industries. It comprises solutions in credit card processing, ACH payments, e-commerce services, and point-of-sale (POS) systems provisions. National Processing is one of the most dynamic processors, with outstanding transparency in pricing and competitive rates that are set up to work with the volumes of transactions and levels of risk in several sectors, such as retail organizations, restaurants, e-commerce, and more.

It stands out for having transparent, upfront pricing so businesses fully understand the costs. They also provide hardware like mobile credit card readers and state-of-the-art POS systems from brands like Clover and Pax. Thus, National Processing supports integration with popular business platforms like QuickBooks, WooCommerce, and Shopify—in other words, it helps manage financial operations smoothly and seamlessly.

National Processing Merchant Services Review also emphasizes excellent client service and its support services across multiple channels for quick grievance redressal. In addition to a long list of services, this company proves to be very reliable for whoever wishes to optimize their ability to process payments.

Headquartered in Orem, Utah, National Processing was founded in 2007 with the primary mission to simplify the complex world of payment processing for all businesses. During these years, it built a highly reputed image through transparent pricing, excellent customer service, and a comprehensive suite of payment solutions. The company grew to have a firm foot, expanding its services to a high diversity of industries, from retail and restaurants to e-commerce.

This forms the basis behind why National Processing runs with an apparent mission: to provide businesses with affordable and transparent payment processing solutions that they can bank on to enhance the financial operation and efficiencies of these business organizations. In this light, the company takes extremely seriously the values of integrity, transparency, and customer satisfaction; their services to the clients are reliable and hassle-free, meaning no mysterious costs or complications within the contracts. Their genuine commitment to these values has materialized in continued attempts to maintain rates in a competitive range and offer great support and customer service.

Key Partnerships and Affiliations

Some notable relationships that have given rise to National Processing’s services include those with renowned financial institutions and technological providers. Company registered ISO of Citizen’s National Bank, Bluffton, IN, and Convoy®; these partnerships’ strengths ensure that National Processing’s solutions are very secure and reliable. In addition, it is an authorized reseller of Clover’s suite of payment devices, including fully featured POS systems and mobile payment solutions. The company also assures support in the integrations with leading business platforms, such as QuickBooks, WooCommerce, and Shopify, to support connectivity and operational efficacy for its clients.

In this partnership and alliance state, delivering quality and dependable payment processing services is paramount to ensuring business success.

Services Offered | National Processing Merchant Services Review 2024

National Processing provides a one-stop, powerful service that many types of businesses or individuals can utilize. Let’s take a closer look now.

Credit Card Processing

With National Processing, you don’t have to worry about merchant accounts; they deliver reliable credit card processing resolutions for all the major credit and debit cards, such as Visa, MasterCard, American Express, and Discover. Businesses can keep their transaction costs low with competitive pricing and fully transparent rates. The service will protect merchants against fraud and management when a transaction is charged back to maintain safety during transactions for both merchants and clients.

ACH and eCheck Processing

ACH and eCheck processing are other products that the business status of National Processing offers to businesses that need a cheaper alternative compared to the credit card payment process. This solution works well with firms that run subscription and membership services that require the payment of fees at regular intervals. ACH platform charges a lower fee per transaction than an individual, separate credit card processing, thus making it a cost-effective solution for businesses processing high volumes of transactions.

Mobile Payments

National Processing supports mobile payment solutions, enabling businesses to take payments on the go. This solution applies to industries such as food delivery, retail, and field services, and it provides features allowing merchants to securely process payments at easily reachable points for continuous business transactions.

E-commerce Solutions

National Processing provides robust solutions to online businesses promptly integrated with leading platforms such as Shopify, WooCommerce, and BigCommerce. The payment gateways offered are very secure: proprietary ones such as Authorize.Net from National Processing or other third-party payment processors. These solutions provide virtual terminals that allow businesses to process payments while efficiently managing and processing online sales remotely.

Point-of-Sale Systems

There will always be many POS options at National Processing, including high-level brands such as Clover and Pax. They will start with mobile card readers, finish with inventory management, and complete reports in the POS terminal; customers are even traceable. All the available POS systems are prepared to work with both EMV and NFC payment methods. 

In particular, National Processing comprises a broad diversity of services, ensuring the delivery of the most appropriately required solutions in payment processing that would improve operations and customer service.

Pricing and Fees

Further known for its transparent and competitive prices, which accommodate all sizes and types of businesses, National Processing is also oriented toward firms of any size. Understanding the costs of services they offer is of prime importance to companies intending to manage their expenses.

Monthly Fees

National Processing presents a couple of pricing plans with diversified monthly fees meant to suit a business depending on the need. The most straightforward plan can be purchased by an in-person and e-commerce company for as low as $9.95 a month. Likewise, plans for more advanced businesses and big brands are $19.00 monthly. However, the premium plan in place is more of a subscription pricing structure because it comes with much better services, such as reduced transaction fees. Quote-based pricing can sometimes have a huge difference, especially in a business, based on the size and requirements of the same.

Transaction Fees

National Processing provides competitive and straightforward transaction fees. Specifically, the basic package under decentralized charges 2.5% and $0.10 for every transaction. On the other hand, a basic e-commerce package charged 2.9% plus $0.30 per transaction. The advanced package offers average low rates at 2.41% plus $0.10 per transaction. This will, therefore, avail cost-effective solutions for businesses with various volumes and types of transactions.

Additional Fees

Aside from monthly and transaction fees, National Processing applies a couple of other fees. Those include a $15 chargeback fee, which is average within the industry. Though the company stipulates no cancellation fees, there is an early termination fee of up to $300 if a contract is canceled early. This will be pricing, something that any business would need to be aware of in advance to prevent surprise fees on usage.

Comparison with Competitors

This benefits the customers because this pricing model makes National Processing the rarest type of merchant service provider, being so transparent with their pricing. Although companies with flat rates, such as Square and Stripe, might end up being pricier with a high volume of transactions, in most cases, the interchange-plus pricing model of National Processing is less expensive than that of most competitors. National Processing can give personalized quotes to businesses that deal in high volumes, which becomes even more competitive.

National Processing’s pricing is generally seamless and cost-effective, making it one of the industry’s top competitors.

Payment Processing Features

To name some, National Processing’s payment processing features include robustness for the versatile needs of businesses; developed, apart from essential solutions guaranteed in convenience and security, to work with all platforms and systems seamlessly, making transacting smooth.

Payment Gateways and Integrations

The company supports its payment gateways with two robust profiles: its in-house gateway and the much-famed Authorize.Net. The gates thus allow virtually any business to process payments online securely. They shall integrate with all popular online e-commerce platforms like Shopify, WooCommerce, BigCommerce, and significant accounting software like QuickBooks. This integration capability allows a business to be carried out easily and without the hassle of competently taking care of the inventory, transactions, and customer details.

Supported Payment Methods

National Processing understands that people prefer payment methods and supports a variety of them. The most widespread way a customer might pay is via credit and debit cards: Visa, MasterCard, American Express, and Discover. Equally, they work with digital wallets like Apple Pay, Google Pay, and PayPal, alongside ACH payments and eChecks, potentially the very next in turn. Flexible means of securing many payment options allow businesses to serve their respective customers readily and, as a result, pave the way possibly for more sales.

Virtual Terminals

The company’s virtual terminal feature integrates businesses without any form of hardware. This significantly helps businesses run remotely or process “mail-order” and “telephone order” only transactions. The VT will process credit card and ACH payments—up to versatility admissible for consideration of different world business models under one roof. The company is also integrated with features to quickly generate and send invoices that significantly help manage the billing function.

Recurring Billing and Invoicing

National Processing brings potent recurring billing and invoicing features suitable for subscription businesses or businesses seeking to automate periodic payments. This feature will allow companies to handle their customers through an automated billing schedule and reduce the work needed to collect timely payments. This billing system was also integrated with emailing, allowing businesses to email their customers professional and tailored invoices. It will significantly enhance cash flows, ensuring that customers have a smooth payment process, increasing efficiency and customer dissatisfaction.

At National Processing, the features designed for payment processing involve and facilitate comprehensive, efficient, secure, and flexible transaction management to help businesses work out the issues in the new normal, which will give a fillip to the financial management process of the institution as a whole.

Hardware and Software

National Processing offers hardware and software solutions, allowing businesses to cater to various business requirements. This guarantees companies that they can easily access suitable devices and tools that will quickly help them make management or payment processing work easy.

Available POS Systems and Terminals

National Processing provides many Clover and Pax POS systems that are known in the market. These systems are designed to take care of any business, from the smaller retail shops to the big restaurants. The Clover POS systems include features such as inventory management, customer tracking, and advanced reporting capabilities in the Clover Mini, Clover Flex, and Clover Station. All types of transactions are handled securely and reliably by Pax terminals like the A920 and Pax A80, with flexible ways to amalgamate both EMV and NFC payment methods provisions.

Mobile Card Readers

For those businesses that process payments on the go, National Processing carries mobile card readers like the SwipeSimple B250 and Clover Go. The readers can be easily connected to smartphones or tablets so merchants can collect payments wherever they are. Customers can also expand that capability with the SwipeSimple mobile app, which provides inventory sales reporting tools and sales tracking. Of equal use, then, are mobile solutions to the service industry, the food delivery sector, and pop-up retailers.

Hardware Costs and Lease Options

National Processing provides flexible hardware acquisition options. Businesses can either purchase the equipment or have leasing arrangements through the company. The Pax A80 terminal can be purchased for $345.00, and the powerful Clover Flex handheld POS system can be purchased for around $700.00. Leasing options are also available, in which case the cost is spread out over months. In addition, National Processing offers some free hardware with some pricing plans, including a fee-less mobile card reader with the basic package and a free terminal with better plans.

While it’s important to position themselves as the only go-to solution for potential clients, it is also only through such comprehensive options that businesses can find the particular ideal set of software and hardware tools to enable them to effectively manage their payment processing requirements, be they physical storefronts or moving about.

Customer Support and Service

National Processing is renowned for its comprehensive customer support, ensuring businesses receive the help they need through multiple channels. The company offers customer service via phone, email, and live chat, allowing merchants to choose their preferred method of communication. Technical support is available 24/7, ensuring that any issues can be addressed promptly, minimizing downtime and disruption to business operations.

Availability and Channels

National Processing provides customer support through various channels to accommodate different preferences. Merchants can call for immediate assistance or use email and live chat for more detailed inquiries. This multi-channel approach ensures that help is always accessible, regardless of the nature of the problem or the time of day. The company’s website also features an online ticketing system for tracking and resolving issues efficiently.

Customer Support Quality and Feedback

The quality of customer support at National Processing is highly rated, with many customers praising the promptness and effectiveness of the service. The company holds an A+ rating from the Better Business Bureau and a high satisfaction rating on ConsumerAffairs. Customers frequently highlight the professionalism and helpfulness of the support staff, noting that issues are resolved quickly and thoroughly. This positive feedback reflects the company’s commitment to providing exceptional customer service.

Technical Support and Resources

In addition to general customer support, National Processing offers robust technical support to ensure that all payment processing systems run smoothly. The technical support team is available 24/7 to assist with any hardware or software issues. Additionally, the company provides various online resources, including FAQs, user manuals, and setup guides, to help merchants troubleshoot common problems independently. These resources are designed to empower businesses with the knowledge they need to effectively manage their payment processing systems.

National Processing’s customer support and service offerings are comprehensive and well-regarded. They provide businesses with the assistance they need to operate efficiently and resolve issues quickly.

Security and Compliance

National Processing strongly emphasizes security and compliance, ensuring that businesses and their customers are protected throughout the transaction process. Their commitment to maintaining high-security standards is evident through their adherence to industry regulations and implementation of advanced security measures.

PCI DSS Compliance

National Processing is PCI DSS (Payment Card Industry Data Security Standard) compliant, which means they adhere to stringent security standards required for handling credit card information. This compliance ensures that all transactions processed through their systems are secure and that sensitive cardholder data is protected against breaches and fraud. PCI DSS compliance involves regular security assessments, maintaining a secure network, and implementing strong access control measures, all of which are rigorously followed by National Processing.

Fraud Prevention Measures

To combat fraud, National Processing employs several robust measures designed to protect businesses and their customers. These include advanced fraud detection tools that monitor transactions for suspicious activity, real-time alerts for potential fraud, and tools for merchants to set custom security parameters. Additionally, they offer chargeback management services to help businesses handle disputes and reduce the risk of chargebacks, which can be both costly and damaging to a merchant’s reputation.

Data Security Features

National Processing implements various data security features to safeguard transaction information. This includes data encryption in transit and at rest, ensuring that sensitive information is protected from unauthorized access. They also use tokenization, which replaces sensitive card information with a unique identifier or token, adding an extra layer of security. Additionally, their systems are regularly updated and monitored to prevent vulnerabilities and ensure ongoing protection against emerging threats.

Overall, National Processing’s comprehensive approach to security and compliance gives businesses confidence that their transactions are handled securely, protecting their operations and customers’ data.

Pros and Cons

User Reviews and Testimonials

Positive Customer Experiences

Many users praise National Processing for its excellent customer service, transparent pricing, and reliable payment processing solutions. Customers appreciate the ease of setup, competitive rates, and helpful support team. Testimonials on sites like ConsumerAffairs and the Better Business Bureau (BBB) highlight quick issue resolution and the company’s ability to handle high transaction volumes efficiently.

Negative Customer Feedback

Some negative feedback includes complaints about early termination fees, occasional hardware issues, and reports of hidden fees. High-risk businesses have also faced challenges with account setup and unclear pricing structures, as noted in reviews on sites like Trustpilot and CardPaymentOptions.

Overall Satisfaction Ratings

Overall, National Processing receives high satisfaction ratings, often scoring around 4.6 out of 5 on ConsumerAffairs and maintaining an A+ rating with the Better Business Bureau. Customers generally value the company’s transparency, competitive pricing, and responsive customer support.

Conclusion

National Processing offers transparent pricing, competitive rates, and a variety of payment solutions. The company is praised for excellent customer service and strong security measures but has some complaints about hidden fees and hardware issues. National Processing is recommended for businesses seeking reliable and transparent payment processing solutions, especially those with high transaction volumes.