National Merchant Bancard Review

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  • Review by: Amad Ebrahimi

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I was a little confused when trying to review National Merchant Bancard (NMB). They’ve spread their business across so many different domain names, entities and independent agents, it makes me wonder how they can keep track of everything…they probably can’t. ;)

I’m not a big fan of ISOs that heavily promote their own independent agent program. By doing so, NMB is pretty much outsourcing its sales process. What that does, is it gives every yahoo with a business license the opportunity to sell NMB merchant accounts. I’m not saying that all independent agents are bad, but I do wonder why agent programs are even necessary. There are plenty of merchant service providers out there that don’t have their own agent programs, because they believe that it reduces their ability to service their customers.

My word of advice to all merchants is to find an ISO that doesn’t have their own independent agent program. Visit my merchant account comparison chart to see your options.

NMB doesn’t have a BBB profile yet, but hopefully they’ll set one up. I’d also like to see some testimonials listed on their site.

The one good thing about NMB is that they don’t have very many negative reviews against them, but keep in mind that they’ve only been around since 2008, and because they have so many independent agents, those negative reviews could be listed under the agents business name and not NMB.

Considering both the good and the bad, I’ll give NMB a 3.5 out of 5.

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Parent/Partner Company:
Alright, you ready for this? Here it goes…

  • www.sunvirtual.com
  • www.nationalmerchantbancard.com
  • www.a1-merchant-accounts.com
  • www.nmbancard.com
  • www.free-merchant-accounts.com
  • www.accepting-credit-cards.net
  • www.merchant-accounts.cc
  • www.ecommercemerchantaccounts.com
  • www.value-merchant.com
  • www.acceptcreditcardsinc.com
  • www.995merchantaccounts.com
  • www.free-merchant.com
  • www.h20merchant.com
  • www.1800merchantaccount.com
  • www.cardserviceunion.com (Now a First Data Company)
  • www.merchantlane.com (Now a First Data Company)
  • www.poolmanprocessing.com
  • www.acceptcreditcardsinc.com

All of the above domains are either current affiliates or were previously affiliated with National Merchant Bancard. So, when you’re doing your research, keep that in mind.

Registered MSP/ISO of HSBC Bank USA, National Association, Buffalo, NY.

Trust Symbols:
Unfortunately for them, they don’t have any trust symbols associated with their brand.

You can find their business license here.

No third-party security features (i.e. McAfee, Verisign etc…) on the National Merchant Bancard site.

Customer Service:
I sent them an email in regards to their contract terms and cancellation fee. They did respond within a day or so, and their responses to both contract terms and seasonality are written below.

Contract Duration:
6-month initial contract, then month-to-month.

Seasonal Downtime:
NMB does not offer seasonal downtime.

Negative Reviews:
Couldn’t really find anything on them, except for this thread at Scam.com but that could be because they’re a newer company. I’ll keep my eyes peeled though.

Common Complaints:
None as of this review.

Verifiable Testimonials/References:
I couldn’t find any testimonials on the NMB site.

Sunrise, Florida.

Product Offering:
Retail, Gift Cards & Loyalty, Check Processing, e-Commerce, Mail/Telephone, Cash Advance.

None in particular.

Don’t forget to leave your own comments, reviews or ratings below. :)

Amad Ebrahimi
Amad has worked in the eCommerce and online marketing world since 2002. He started as an eBay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same. He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses. He's the man behind most of the merchant account reviews, and articles posted on MerchantMaverick.com. Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
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    Robin Walter

    Amad, It is obvious that you only read their publicity pages from their website charts and info, and that is absolutely worthless when you are investigating a slime-ball company like this one. You obviously didn’t even check with the Better Business Bureau, which gives them an “F” Rating (not just me saying so) because of their refusal to cooperate with them on complaints and their illegal methods of operation. I strongly suggest that you revise your notes on this site, and maybe read most of the comments on these pages. The only favorable comments are from people that Just signed up with that service and people who wouldn’t know a scam if it bit them, or people that are obviously employed there and its their job to post phoney favorable comments.

    RatingNot Rated
    Robin Walter

    Sorry Amad, Your review was only partially right, in that you assumed NMB was located where they are registerd. They are physically in Walnut Creek, CA, in the same offices as Authorize.Net, and most of their affiliates are shadow companies of Authorize Net AKA AuthorizeWarehouse. These companies cannot publish their addresses or phone numbers more than a month or so at a time because they are running scams of all kinds that the BBB says is not legitimate business practices, giving them an “F” Rating becaus of serious complaints and failure to uphold any of their agreements with the BBB. I am still being stung by them over bait & switch billing, billing charges for nothing at all, and avoiding our cancellation notice for months just to continue high-rated billing even though they know the business website is shut down and moved to a better site that they aren’t connected with. One of the chief billing tricks businesses like this use is creating a building cancellation policy that isn’t written into their contract, requiring you to repeatedly beg and threaten them for the unavailable form (in this case it is the same form all of AuthorizeNet affiliates uses, which means they are part of the same conglomerate scam corporation), and require it be faxed to numbers that are not active, and almost all of their posted phone and fax numbers are disconnected lines, and finally after two months shouted loud enough to a costomer rep that I got a working fax number, called back and demanded they account be closed, only to be told that it would not be closed for 30 days, which means they will charge me at their highest rate for 2 more months (only 2 months if I am lucky). They have stung us for hundreds of $$ in less than 6 months of contact with them for a website that another phoney webmaster messed up and never worked or sold a single product. Amad’s favorable review of this company can only be based on advertisements and not real data.

    RatingNot Rated
    Amad Ebrahimi

    Thank you for the input Robin. I’d disagree with you that a 3.5 out of 5 is very favorable though. :)

    RatingNot Rated
    Enrique Noriega

    Been aware of what the National Merchant Bank Card, advertises; you can call their CSR 1-877-891-8409 and ask about what they offer; I found out that the terminal is free the one you plug on the wall, but the wireless terminal cost $799., acquring the termials (both of them) requires a 3 year contract with a $15 monthly fee, discount rate 1.99 %, and a 0.25 per transaction.
    I think is a normal the ammount they are asking, i been shopping around for a wireless terminal and they do require a ll of the charges mention above and also the time commitmen: 3 years contract; that goes for anyone tryng to get terminals, wireless or not. I think they will have to advertise this information as well.

    RatingNot Rated
    Scott Gordon

    “PayPal alternative” National Merchant Bancard uses http://www.merchantinc.com/rates as a website to “switch” prospective customers from using PayPal to using their On-line Credit Card processing service. The website does not tell you about the fees that they are going to charge monthly. After responding to an e-mail and giving them my personal and bank account details, National Merchant Bancard began charging my bank account without my authorization (they claim these charges are in the fine print of the agreement they offer). They have apparently set it up so that the account you gave them because you think they intended to deposit your credit card transactions there, is also available to them to take a direct debit for their undisclosed or at best, barely disclosed monthly fees – whether you end up using the service or not. Office Manager [name removed] assured me I would be refunded my fees if I signed a statement. I did so and was assured that all was taken care of and to contact “Corporate” at a 1-800 number for any further questions, but after that on the first week of September 2010 I was charged $19.95 and still no refund for the previous charges had ever appeared. When I called “Corporate” (I assume is National Bancard Central) I was asked to read out the bank statement charges – going through the entire process again – and this time the attendant told me that these charges were for starting up my account so what was the problem? – I asked her why my credit union account continued to be debited after she admitted my account had been “cancelled” and she proceeded to explain that my account had been “restructured” – I began losing my patience at this point because I recognized this as a clever re-defining of terms calculated to further confuse, if not defraud me. Although I did raise the volume of my voice and emphatically asserted that I had never intended to “restructure” my account, she accused me of “screaming” and used this as a justification to explain without letting me continue in any way, that she was transferring me to an agent who would help me. I was actually routed to the back of the general call line and have been on hold for almost an hour, so I doubt that she was telling me the truth about getting me an agent who could help. I am afraid that after several polite attempts to straighten this out, that I am dealing with a fraud and a scam and so I am going to continue sounding the warning.

    RatingNot Rated


    After reading some of these storys, Im freaking out. I applied for an account at http://www.Imaxapp.com/mpa8882.aspx?ref=8882&promo=rjsfreemerchantapplication and have not heard anything from them yet,e-mail wise or phone. Look, Im broke to the max, lost my job to the recession and am trying to start an online business to make some money to pay down my student loans and credit card bills. Just trying to make a living and then someone trys to screw you out of your Identity and money. I gave them my personal info. which is what you have to inorder to apply for an account or credit card anywhere. Now Im worried they or whoever it is that is scaming may use my Personal info. for identitiy theft. Like the one person said, he googled this company and looked them up at the BBB and couldn’t find nothing so, What gives???
    Any advice ?? please let me know

    RatingNot Rated

    I’m very currious about this service, as I just opened a business and absolutely can not afford what i’m paying. how are the rates with say, sunvirtual.com? are than Evalon or other processors?

    RatingNot Rated
    The Merchant Maverick


    Rates are going to vary. My advice is to narrow your search down to a few reputable companies, then ask for quotes.

    RatingNot Rated


    As indicated above, sunvirtual.com is an alter ego for NMB.

    RatingNot Rated
    Just Wondering

    I too am considering asking this company for some money. My main purpose is because I have seen SEVERAL prominent sellers on eBay saying they don’t accept PayPal and they have a link in their auctions that says WHY they don’t. The link redirects you to a site that is ANTI PayPal and tells of PayPal horror stories. Now I can believe PayPal is somewhat shady because I had someone advertise rosetta stone software on ebay and I purchased it thru ebay and used PayPal. The person ended up sending me a COUNTERFEIT CD that did not even work. PayPal would NOT refund the charges, even though I follow their guide lines to a T, and the only reason they gave us that no matter what I RECEIVED the item. If it’s delivered they will not refund the charges. Well WaMu decided I was scammed and they refunded my money. That ofcourse was taken back from PayPal and that put my account into -$230 since I don’t carry money in my paypal account. They tried collecting the money from me and since I wouldn’t pay they closed out my account.

    They sent me to collections and I was able to stop the collections with a letter from my bank.

    I now have paypal as my Merchant Service Provider and my company generates $17,000+/month in sales and every day I am freaked PayPal will screw us over. So everyday I transfer the money out of PayPal and into my business checking account.

    So If anyone knows is NMB is legit or not I would love to know. The sooner I leave PayPal the better.

    Just Wondering

    sorry I meant am considering asking them to HANDLE my money, not FOR.

    RatingNot Rated

    Call PayPal and tell them to turn Auto-Sweep on it will transfer your money to your bank account automatically. :)

    RatingNot Rated

    The same situation happened to me and I switched to [name removed]. The down side is their transaction limits. I’m checking out NMB too so I can see about upping transaction limits.

    RatingNot Rated
    Robin Walter

    Hello. Have you used this service yet? I hope not. They have not been exactly trust-worthy with us, and I believe them to be nothing less than just another shadow scam company that passed authorization to do banking transactions under the least strict and least oversight state board in the country. We used them for several months and I still haven’t received satisfaction for their overcharges and other scams.

    RatingNot Rated

    They have affiliates or resellers that sell for them. I would think someone reviewing a company would know this as I figured this out in about 2 seconds. They sell for first data and so do their affiliates. This means if they are sucessful in thier ventures they will have many more domains.

    RatingNot Rated
    The Merchant Maverick

    All of the above domains are either current affiliates or were previously affiliated with National Merchant Bancard. So, when you’re doing your research, keep that in mind.

    I mention that in the review, but I see how it can come off as if I’m bundling all those domains under the NMB brand. I know they have a TON of resellers and affiliates, and it might have taken me more than 2 seconds to figure that out, but that still doesn’t change the fact that I don’t like how fragmented they allow themselves to be. MSPs/ISOs themselves are resellers and affiliates of Visa and Mastercard. As a merchant, why do I need a reseller for my reseller? NMB is very successful, but remember, this site was created for merchants, not to tout how successful an ISO is. Personally, I don’t like MSPs/ISOs that allow their resellers and affiliates to have their own brands/domains. It makes the merchant’s job of reviewing them much more difficult. So, as a merchant, I’d much rather deal with a company that doesn’t have so many affiliates and resellers associated with their brand…too confusing.

    RatingNot Rated
    Robin Walter

    Obviously you work for these companies, or don’t really have a clue what you are claiming. I have investigated this company for almost two months, after my company got involved with them through an affiliate program that was not our choice. They immediately started charging us for non-existent transactions and escalating service charges even when our website wasn’t even activated. Then it took over two months to make them close the account (and we expect more automatic charges from them in the future).
    No, we do not recommend this company to our worst enemy.

    RatingNot Rated

    It’s smart business practice to have a lot of domain names, especially when just starting out. It’s just a way to re-direct traffic based on key words. I do not find it underhanded at all.

    RatingNot Rated
    The Merchant Maverick

    You have a valid point there Brighid, but multiple domains is only good when the entire domain name matches a specific keyphrase like “merchantaccounts.com” if NMB had domains like that, domains that are generic, that are keyword driven, then I wouldn’t have much of a problem with it. But, the domains in my review aren’t like that. The ones in my review are more like brands themselves. What that does is it makes my job harder because instead of having to look up complaints for just the brand “National Merchant Bancard,” I also have to check up on those ones too.

    RatingNot Rated
    Robin Walter

    Hello Amad, Our company has for parts under the parent corporation, because they all do different things. I found twice that many aliases and “associates” of National Merchant Bankcard. None of them, including the ones you posted, claim to be associated with them in any way, which is not good business, it is how scammers work.
    I have been scammed by better cons, investigated and busted several of them along the way, and I know what I’m talking about. This is a slimy company to do business with and trust your bank account and customers accounts to their hands.

    RatingNot Rated

    Hi, did you try them out? I just registered today and was wondering what your results were.

    RatingNot Rated
    The Merchant Maverick

    Hi Veronica,

    Is the question for me or Michael? I personally haven’t tried them out, but it seems that Michael has. Please let us know how it goes. :)

    RatingNot Rated
    Michael Mack

    I actually have a merchant account with National Merchant Bancard and their customer service has been terrific. The enitre setup process only took about 15 minutes and my free terminal was shipped out the same day.

    RatingNot Rated
    The Merchant Maverick

    Thanks Michael! I’ll take your review into consideration when it comes time to update the NMB score. Don’t forget to leave a star rating. :)

    Take care!

    RatingNot Rated

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