National Processing Review

Additional Fees

National Processing is one of the better providers in the industry when it comes to fees. It doesn’t charge any account setup fees 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. While the company no longer discloses miscellaneous incidental and recurring fees on its website, in the past, it has charged the following extra fees:

• PCI Compliance Fee: $7.95 per month
• AVS Fee: $0.05 per verification
• Batch Fee: $0.10 per batch
• Chargeback Fee: $15.00 per chargeback
• Retrieval Fee: $5.00 per instance
• Voice Authorization: $1.50 per authorization
• PIN Debit Fees: Passed through at cost (i.e., no markup)

ACH & eCheck Processing

If you need ACH processing, there are separate fees for this optional program. The following fees apply for ACH processing:

• Setup Fee: $25.00
• Monthly Fee: $15.00
• ACH Processing Rate: 0-1.5% + $0.48 per transaction (varies by transaction size)
• Return Fee: $3.50 per instance
• ACH Rejection Fee: $15.00 per instance

You should also be aware that Clover charges a monthly fee for the use of any of the Clover hardware products described above in the Products & Services section. The amount of this fee varies based on your Clover product. Also, National Processing notes that the fees and rates disclosed on its website are only for low-risk merchants. NP does accept some high-risk merchants, but it doesn’t offer any pricing details for said merchants. Note that if NP doesn’t service your particular type of high-risk business, our list of reputable high-risk specialists may contain a provider that will accept you.

Overall, these are some of the lowest fees and rates we’ve seen disclosed by a provider, making National Processing an excellent choice for small or medium-sized businesses. However, we encourage you to compare its prices against what a competing provider will offer you before making a decision.

Sales & Advertising Transparency

National Processing’s website does an excellent job of disclosing the company’s rates and fees under its numerous processing plans. Unlike the vast majority of providers on the market, National Processing provides an extensive discussion of interchange fees on its website, allowing you to distinguish between interchange fees paid to card-issuing banks and National Processing’s markup.

One fee not disclosed is the early termination fee (ETF), which only applies if you elect to include a “free” terminal as part of your account. Rest assured that the fee is disclosed during the sales process, so you won’t experience an unpleasant surprise later on if you decide to close your account.

Lastly, we’re not huge fans of the $500 promise National Processing makes if you can find a lower rate elsewhere (and you process over $10K/month). It’s easy to manipulate the numbers and obscure value to make one deal seem better than another, so we generally consider this type of marketing to be gimmicky and meaningless. The fact is that just about any provider is willing to match a valid quote to win or retain your business. While it’s not a bad thing per se, take this tactic with a grain of salt.

Contract Length & Early Termination Fee

Standard agreements with National Processing include a $295 early termination fee (ETF), but even as part of this standard contract, the company waives this fee under several circumstances. If you don’t need any free equipment when you sign up, you should be able to get a month-to-month account with no cancellation fees. National Processing states the following on its website regarding this topic:

1. In the event that your business is sold or closed, National Processing will waive your termination fee upon receipt of the appropriate documentation.
2. In the event that National Processing can’t meet or beat a competitor’s rates, your termination fee will be waived. In order to qualify, the competing quote must be submitted to National Processing in writing with the competitor’s original contract.
3. In the event that you leave National Processing for a competitor without providing the opportunity for National Processing to meet or beat another offer, you agree to pay the standard termination fee.

We’d prefer to see the company dispense with its early termination fee altogether. However, this is a reasonable compromise because there can be significant hard costs for equipment.

Customer Service & Technical Support

National Processing offers 24/7 telephone and email support, as well as a live chat function on its website. Most of the comments online from merchants about National Processing’s credit card processing support are positive, which is more than many merchant services providers can say. Usually, customer service is the leading complaint about any merchant account provider. The fact that National Processing doesn’t have a ton of complaints about support says something in itself.

National Processing Reviews, Complaints, & Common Problems

Unlike most merchant account providers, National Processing has received far more positive comments from merchants than complaints. As with any processor we recommend, we can’t guarantee that you won’t have any problems. Nonetheless, your chances of experiencing difficulties with the company’s service after you’ve signed up are quite low.

Negative National Processing Reviews & Complaints

National Processing has been accredited with the BBB since 2008 and currently has an A+ rating. The company has received only three complaints in the last three years (and just one in the last twelve months). As for reviewers on Google, they have awarded the company an overall rating of 4.6 out of 5 stars, based on 238 reviews.

The few complaints I’ve seen mention the following issues:

• Poor customer service
• Hard to avoid the ETF
• Problems with Fiserv (the backend processor)

Again, these complaints are few and far between, with many more merchants reporting positive experiences regarding these issues (especially customer service). And again, don’t confuse the company with the deservedly defunct National Processing Company (NPC). Remember that you’re looking for the Utah-based National Processing.

Positive National Processing Reviews & Testimonials

I mentioned the company’s stellar ratings from the BBB and Google reviews earlier. The story is similar when you look at other review sites, such as ConsumerAffairs.com (4.6 out of 5 stars, based on 392 ratings).

While many of these positive reviews don’t go into much detail, two main themes emerged. The first is that merchants were very impressed with the quality of customer support they received. This reinforces a trend we’ve seen in which smaller providers are actually able to offer superior personal customer service than the industry’s mega-processors. The second theme is that merchants were able to save a significant amount of money on their processing costs with National Processing.

Final Verdict

National Processing is an excellent provider for businesses that want low rates from a reliable company. If you’re hoping for some massive free software suite like what Square offers, with POS, analytics, and such included, you might not find what you want here. However, you could easily end up saving enough money with National Processing to buy all that software and more from whichever provider you want. Low costs and overall versatility make National Processing a great option for many businesses.

We’re not thrilled that National Processing continues to impose ETFs in exchange for “free” processing equipment. Still, it’s a fair deal, given that you’ll receive low processing rates and a reasonable account fee schedule in addition to the free terminal. We’re also happy to see that the company will waive your ETF if you sell or close your business. Most providers will charge you the full ETF regardless of the circumstances that led to you closing your account.

We’re happy to award National Processing an overall score of 5 out of 5 stars. If your small business has grown to where you need the added features and stability of a full-service merchant account, this is one of the most affordable options out there. While it offers low interchange-plus and membership rates that will be attractive to larger businesses as well, look carefully at the features on offer before making a decision. National Processing is a small company and doesn’t offer as complete a lineup of services as you’ll find with a larger provider.

Businesses with more basic needs, however, will find everything they need to accept credit and debit cards as well as ACH and eCheck payments. If this describes your business, give National Processing a shot!