National Bankcard Systems Review


Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

National Bankcard Systems

"A-" Credit Card Processor Rating
Review Updated: January 24, 2014
Top Rated Processors | Get Rate Quotes | Write a National Bankcard Systems Review


National Bankcard Systems Overview

National Bankcard Systems Logo

National Bankcard Systems Logo

National Bankcard Systems Inc. (enbs.com), established in 1997, is a multi-million dollar credit card processing vendor. National Bankcard Systems is a member service provider for First Data, Elavon, iPayment, Total Merchant Services, and Cardservice International. The company serves businesses of all types and offers credit and debit card acceptance, electronic check acceptance, EBT, ATM services, ecommerce gateways and gift card options. National Bankcard Systems is also a reseller of processing equipment and software. The company is located at 5316 W Highway 290 Ste 130, Austin, Texas 78735. National Bankcard Systems is a Registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California.

National Bankcard Systems Sales & Marketing Tactics | A

National Bankcard Systems utilizes outside sales agents in offices across the country to market its services. The use of independent sales agents is usually tied to elevated complaint rates, but in the case of National Bankcard it does not appear to be a major issue. Of the company’s available reviews, only one mentions misrepresentation of rates, and there are no specific details provided about this incident. Because National Bankcard is partnered with five different processing companies, it is possible that some of the complaints that would normally be targeted toward National Bankcard are being funneled to the online profiles of these other entities, but it’s nearly impossible to chart whether and how often this might occur. The company does not appear to engage in any deceptive advertising strategies.

National Bankcard Systems Costs & Contract Terms | B-

National Bankcard’s status as a member service provider for five very large processors means that its contract terms are likely to vary wildly depending on the agent setting up the account and a merchant’s business type and time in business. This variability seems to be confirmed in the few available complaints about the company, which cite undisclosed fees, higher-than-expected rates, and extended holds in equal measure. The companies that appear to provide processing contracts to National Bankcard do not score very well in this category as a group, so we aren’t inclined to assume the best about National Bankcard’s terms. In general, merchants are advised to carefully examine the terms of their individual contracts (especially keeping an eye out for early termination fees and PCI Compliance fees) and evaluate whether these terms will work for them.

National Bankcard Systems Complaints & Service | B+

Outside of the BBB, we were able to locate six National Bankcard Systems complaints. Three of these complaints were authored by software vendors who had not been paid by employees of National Bankcard for personal services rendered. These appear have no bearing on National Bankcard’s conduct as a merchant services provider. We also found three complaints in the comment section of this review citing poor customer service, unexpected fees, and unauthorized billing. While these complaints reflect poorly on National Bankcard’s customer service, three complaints in over a year isn’t an especially high complaint volume. As noted above, it is possible that complaints about National Bankcard are redirected to the much larger processors with which it is affiliated. The fact that the company’s website offers no dedicated support information seems to confirm this.

National Bankcard Systems BBB Report | A (CPO Adjusted)

National Bankcard Systems has been an accredited business of the Better Business Bureau (BBB) since 2000 and scores an “A+” at this time of review. Within the last three years, three complaints have been registered on the BBB website, including two for billing and collection and one for advertising and sales issues. The complaint resolution log reveals that all of these issues have been resolved with BBB assistance. Because we believe that “A+” ratings should be reserved for companies with zero complaints, we have adjusted the BBB’s rating to an “A” for the purposes of this review.

Bottom Line

According to our system, National Bankcard Systems rates as an above average merchant account provider. The company shows very few complaints online despite its reliance on outside sales agents and poorly rated large processors. It is worth mentioning that National Bankcard Systems could potentially be confused with National Bankcard, which is an unrelated entity.

Leave your review of National Bankcard Systems in the comment section below:


National Bankcard Systems Review

Rated 3.9375 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-01-24 10:50:45

UPDATED: Jan 24, 2014 – There are only nine or so National Bankcard Systems reviews online, some of which describe the company as a general ripoff… According to our system, National Bankcard Systems (enbs.com) rates as an above average merchant account provider. The company’s reliance on outside sales agents and poorly rated large processors… Learn more in this National Bankcard Systems review.

Related Articles:

Top Rated General Use Processors (Retail, Service, E-Commerce, etc)
View Website See Review View Website See Review
Top Rated Mobile Processing Apps (iPhone, Android, etc.)
View Website See Review View Website

See All Best Rated Processors


Getting paid to re-write this page? Click here to earn a reward.

Copyright © CardPaymentOptions.com (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608)

About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.



 
Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

Permanent link to this article: http://www.cardpaymentoptions.com/credit-card-processors/national-bankcard-systems/

5 comments

Skip to comment form

  1. Lindsey

    HORRIBLE!!!! My sales agent was a total prick! He actually yelled at me and hung up on me when I tried to cancel my service! He originally told me one thing, but when I read the fine print I found that he didn’t shoot me straight! Tons of hidden fees! Actually, came home to a bill already and I’ve never even plugged the machine in! My sales rep, Greg Thayer, was extremely pushy and unprofessional.

    BIG MISTAKE TO USE NATIONAL BANKCARD!

    Did you find this review helpful? Yes   No

  2. james

    Horrible.
    Bill you random amounts then don’t send statement.
    Customer service is the long-wait no-answer runaround.
    Crooks in my opinion. Or incompetent. Probably the former.

    Did you find this review helpful? Yes   No

    2 / 2 found this review helpful.
  3. Thomas Jones

    This company is horrible! They hit me up with charges totalling several hundred dollars before I even received my credit card terminal. They told me that the charges were an error. Yeah Right! I wanted to believe them, but was I wrong!!! I CANCELLED MY MERCHANT ACCOUNT IMMEDIATELY AND SENT THE WIRELESS TERMINAL BACK. I THOUGHT THAT WOULD BE THE END OF THE STORY! WRONG AGAIN!! THEY KEEP POSTING FRAUDULENT CHARGES ONTO MY CHECKING ACCOUNT TOTALLING SEVERAL HUNDRED DOLLARS. TRYING TO STRAIGHTEN ALL OF THIS OUT WITH MY FINANCIAL INSTIUTION IS TIME CONSUMING……MY CHECK BOUNCE BECAUSE OF THEIR FRAUDULENT CHARGES.

    DON’T LET MY NIGHTMARE BECOME YOUR LIVING REALITY! STAY AWAY FROM THEM!!!!

    Did you find this review helpful? Yes   No

    2 / 2 found this review helpful.
  4. Private

    Nightmare….Horrible customer service – flip and sassy internal personnel, higher rates than first quoted, restirictive credit limits, no flexibility…just a disaster. Go elsewhere, not worth the hassle. One of our deposits which should have had a 24 hr turnaround was held for 2 weeks – despite the internal Gods working there saying they were holding “nothing”. Disasterous experience….

    Did you find this review helpful? Yes   No

    2 / 2 found this review helpful.
    1. LINDSEY

      Was it hard to cancel your service with them?

      Did you find this review helpful? Yes   No

Leave a Reply

Your email address will not be published. Required fields are marked *