National Payment Processing Review

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

National Payment Processing

"B-" Credit Card Processor Rating

Last Updated: June 27, 2014

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National Payment Processing Overview


National Payment Processing Logo

National Payment Processing ( is a merchant account provider located in Stockton, California. The company looks to have begun operations in 2003, but other details about its operations are difficult to obtain.

Based on phone calls to agents and online research, it appears that National Payment Processing may be affiliated with, or connected to, a few other credit card processing companies about which details are unclear. The company may also have once been called 1st National Payment Processing, but there are at least two other companies that continue to use this name. Additionally, National Payment Processing may have a business relationship with Titan Merchant Services and Spectrum Merchant Services, but the exact details of these relationships are also unclear. An agent of the company claimed that Titan was National Payment Processing’s processor but upon closer inspection it looks as though Titan is an agent or sub-ISO of the company.

Based on its relationship with Wells Fargo as its Acquiring Bank and the fact that the company supplies First Data processing equipment, it appears that National Payment Processing uses First Data for its payment processing network. More accurately, multiple merchants are reporting that the company is a reseller of iPayment, which is itself an ISO of First Data.

The company may also be affiliated with the following websites, some of which are no longer active:


In addition to providing credit card processing services, National Payment Processing also supplies electronic check processing and gift card programs.

National Payment Sales & Marketing Tactics | B-

Key Points – Sales & Marketing 
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

National Payment Processing does not use any misleading advertising or sales tactics in its official materials that are apparent to this reviewer. The company appears to rely heavily on recruiting independent sales agents, resellers, and referral partners. There are also a couple reports from merchants claiming to have received telemarketing calls from the company, but it is unclear if these calls came from the company itself, or from a reseller.

Generally, heavy reliance on independent agents and resellers results in problems regarding deceptive sales tactics. Although National Payment Processing has a lower-than-usual number of complaints regarding this practice, there is a consistent theme among National Payment Processing negative reviews of nondisclosure of contract terms and misrepresentation of rates. Merchants especially mention the company’s large PCI Compliance fee (also called an “annual fee”) as a term that is inconsistently disclosed.

National Payment Costs & Contract Terms | C-

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $250-$350 or none
PCI compliance fee: $129 per year
Equipment lease: Variable

Pricing of a National Payment Processing merchant account appears to vary based on a number of factors, including a merchant’s business type, processing volume, and the agent setting up the account. A representative of the company claimed that the service contract is month-to-month with no cancellation fee; however, we located more than one merchant complaint stating that the company charges a $250-$350 termination fee for cancelling service. National Payment Processing also appears to charge a $129 annual PCI Compliance fee in addition to several other monthly fees. These costs are consistent with those reported for other iPayment accounts and an older copy of the company’s merchant application (available below). Merchants are strongly encouraged to read their contract to uncover possible annual service agreements, early termination penalties, and additional service charges.

Expand to see a copy of the standard National Payment Processing merchant application
National Payment Processing Merchant Application

National Payment Complaints & Service | B-

Key Points – Complaints & Service
Total complaints: 20+
Live customer support: Yes
Most common complaint: Hidden fees

There are a low-to-moderate number of National Payment Processing reviews filed on this and other consumer protection websites. Most of the complaints from merchants report unexpected and hidden fees, having fees increased without notice, and discontent over the $129 annual PCI Compliance fee. A couple reports also indicated difficulty in cancelling accounts. Although the company’s complaint total is not especially large for its size and time in business, the consistent reports of nondisclosure and rate increases have lowered its score to a “B-” in this category.

National Payment BBB Report | B (CPO Adjusted)

Key Points – BBB Report
Product/service: 15
Billing/collection: 18
Advertising/sales: 3
Guarantee/warranty: 0
Delivery: 0

As of this review, the Better Business Bureau (BBB) is awarding National Payment Processing an “A+” rating and reporting that the company earned accreditation in May of 2011. As of this update, the report states that National Payment Processing has received 36 complaints in the last 36 months. Of the total, 15 are regarding problems with products and services, 18 due to billing and collection disputes, and three for advertising or sales issues. National Payment Processing has successfully resolved all but seven of the complaints to the merchant’s satisfaction. We have adjusted the company’s rating to a “B” for our scoring purposes based on our Rating Criteria.

Bottom Line

Although National Payment Processing rates better than its apparent backend processor, iPayment, the company’s rating still suffers from expensive contract terms and complaints about deceptive sales practices. NPP can improve its rating by eliminating its PCI Compliance fee and reducing complaints regarding confusion over pricing and fees.

Leave your review of National Payment Processing in the comment section below:

National Payment Processing Review

Rated 2.875 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-06-27 11:51:20

UPDATED: June 27, 2014 – There are a low-to-moderate number of negative National Payment Processing reviews, some of which allege the company is a ripoff… Most of the NPP ( complaints from merchants report unexpected and hidden fees, having fees increased without notice, and discontent over the… Learn more in this National Payment Processing review.

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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 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.

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  1. Wendy E

    My experience involves an agent who unknown to me was a convicted felon ( forgery and theft of course) who filed for a merchant account in my name using bogus information and forging my signature. The company was less than concerned and I have fought to try to get the account closed for over a week now. Even after filing a complaint with my local police department, they showed no concern and have put me through hoops to try to get it all shut down. I can’t even begin to imagen actually being a customer of their company. No accountability and no souls to be damned.

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  2. Chuck

    Here is the deal. Are they doing something illegal? Probably not but rest assured that this company does not give one damn about your business. This is evident in the difficulties in accessing a human for support, services or billing related questions. If you leave them early that will charge you a ridiculous amount for early termination. If you leave them after your contract has expired they will still hit you for another month in billing. I had charges of 76.90 every month even though I did not process a single credit card. If your looking for Merchant Services I would not look at them.

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    1 / 1 found this review helpful.
  3. souhaila hadid

    The worst company that u could use, they charge you a monthly fee that you could see then they pull money out of your account without you noticing. their is more their statement never match the daily batches that you print out every day, and when you ask their answer is unclear. i’ve had them for a year now and i cant tell how much money they stole from me. finally i closed the account with them and they still pulling $59 from my account every month, I call the closing department the answer machine is the only thing that picks up, it looks like i need to call my lawyer and see what we can do about that.
    Plus since i was new in this whole business with no experience i signed the contract thinking it’s one year agreement it turned out to be 3, i know it’s my fault there but i was mislead by the rep.

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  4. Judith Boren

    I had an account with NPP. The person who signed me up, never gave me a contract. I found out later he had signed my name (mispelled) and never returned it to me. this company held a sale of over $18,000. They said I didn’t have that much in my account to COVER it. Well, if they had deposited the money, it would have been there. They argued with me for almost a month and finally responded (paid 2-27) not in my bank on 3-7 yet!
    I told them, at that time, about the man who and signed me into the company. They asked if I wanted the account stopped. NO ! I did not …until I had the money that was supposed to be in my account. I found a new credit card company and stopped doing business wiwth this one. BUT of course they still charged me at least $82.00 a month until I had returned their printer etc..(rightfully so) But they just closed my account on January 3rd 2013….Do not trust this company.

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  5. Jan G

    DO NOT USE THIS COMPANY!!!! I cannot stress this enough. I used them for 4 years and every month I had to go through the statement with a fine tooth comb for erroneous charges. Then you have to take your time to call the company to have the charges credited. In the meantime, they have been using your money. Their fees pop up from nowhere. Even after cancelling their service 2 months ago, they continue to charge my bank account. I am in the process of filing a BBB complaint against them. And I’m not the first. Check out BBB…they have A LOT of complaints filed against them. Do your due diligence…check them out. The have a huge PCI compliance fee that they charge every year and even if they agree to reduce it for you, you have to call them every time. Warning: STAY AWAY. There are much better cc processing companies out there!

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