Expert National Processing Review 2019

In a nutshell: Available in both the United States and Canada, National Processing provides a reliable credit card processing service with transparent pricing and guaranteed lowest rates. Accepting credit cards, ACH, and eChecks, businesses get upfront pricing with no hidden fees.

Overview

Businesses looking for a reliable service to accept payments can turn to National Processing. Backed by a Better Business Bureau A+ rating, National Processing provides up-front pricing and fair contract agreements with vendors. Rates vary according to the industry with different pricing structures for retailers, restaurants, and eCommerce. Their guaranteed lowest rates policy means National Processing will beat competitors’ rates or allow customers to terminate their contract with no cancellation fees.

Pricing & Fees

With National Processing, customers can browse through pricing easily. The website clearly discloses all information regarding processing fees and rates including transaction examples. National Processing offers transparent pricing free of annual fees, monthly minimum fees, long-term contracts, and early termination fees.

Although standard contracts with National Processing charge a termination fee of $295, as advertised, the service will waive the fee for customers who do not require free equipment. In this case, businesses can usually sign up for a month-to-month contract with no cancellation fees. However, not everyone may benefit, and National Processing may still charge a fee for early termination.

The website has more details regarding the specifics of their cancellation policy. They will waive the fee “in the event that your business is sold or closed”, “in the event that National Processing can’t meet or beat a competitor’s rates”, or “in the event that you leave National Processing for a competitor without providing the opportunity for National Processing to beat your offer.”

National Processing sets up pricing according to industry and whether or not the purchase involves a card present.

Retail (card present)

  • $9.95 monthly fee
  • $0 monthly minimum
  • $4.95/month PCI Compliance
  • Margins: 0.20% + $0.10

Restaurant (card present)

  • $9.95 monthly fee
  • $0 monthly minimum
  • $4.95/month PCI Compliance
  • Margins: 0.15% + $0.07

eCommerce/Telephone Order (card not present)

  • $9.95 monthly fee
  • $0 monthly minimum
  • $5 gateway fee if necessary
  • $4.95/month PCI Compliance
  • Margins: 0.30% + $0.10
  • AVS Fee: $0.05/verification

Keep in mind that National Processing does charge fees in certain instances. Below you can find some of the fees listed on their website such as:

  • Interchange + Margins: 0.20% + $0.10
  • Interchange Fees: No markup
  • Card assessment fees: No markup
  • ACH rejection fee: $15/instance
  • AVS fee: $0.05/transaction
  • Batch fee: $0.10/batch
  • Chargeback: $15/instance
  • Retrieval fee: $5/instance
  • Voice authorization: $1.50/authorization
  • Pin debit fees: No markup
Features

With National Processing, businesses can handle all their payments, whether accepting credit cards in person or working with customers online. National Processing doesn’t just limit their service to the United States. Canadian merchants can also take advantage of this payment processing service. Plus the company donates 10% of their profits to charity.

National Processing accepts ACH and eChecks at a reasonable rate. Customers can request a quote online, however, their service for ACH and eCheck payments run at only $0.24 per transaction and $15 per month. That comes out as a bargain compared to other services which can cost somewhere around $50 in monthly fees with expensive percentage-based fees.

Through the cash discount feature, businesses that use National Processing do not need to charge their customers any fees for cash payments while still remaining in accordance with laws and credit card network regulations.

Security

National Processing charges $4.95 for PCI compliance. That means that customers get all they need to keep transactions safe and secure. PCI compliance meets a variety of security goals such as securing the network connection, protecting stored data with encryption, and implementing strong access control measures. Firewall configuration protects cardholder information. Meanwhile, password and security parameters protect login information.

Customer Support

National Processing provides a reliable credit card processing service with overwhelmingly positive customer reviews. In fact, right from the home page on National Processing’s website, customers can take a look at the merchant reviews from third party sites. Many other credit card processing companies don’t offer such an upfront look at customer reviews.

For help, customers can get in touch with support by phone (800-720-3323), fax (877-551-3323), email (info@nationalprocessing.com), by filling in an online contact form, or through live chat. The blog and social media pages also help to keep customers informed.

Joe Schwartz | Credit Card Processing Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

Pros
  • Available in US & Canada
  • Transparent pricing
  • Guaranteed lowest rates
Cons
  • May charge $295 termination fee
Bottom Line
Reliable credit card, eCheck, and ACH processing
Features
  • No Annual Fees or Setup Fees
  • Smart Terminal & POS
  • Merchant Cash Advances
Top 5
1
9.8
2
9.4
3
9.0
4
8.8
5
8.3

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