National Payment Processing
Review Updated: 5/8/2013
National Payment Processing Overview
National Payment Processing (nationalpaymentprocessing.com) is 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 attain.
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 of 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 that the company supplies First Data processing equipment, it appears that National Payment Processing uses First Data for its payment processing network.
The may also be affiliated with the following websites:
In addtion to providing credit card processing services, National Payment Processing also supplies electronic check processing and gift card programs.
National Payment Processing Marketing Strategy | A
National Payment Processing does not use any misleading advertising or sales tactics 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; however, National Payment Processing is not suffering from the typical volume and type of complaints associated with the marketing practice. The lack of complaints may be an idication that National Payment Processing has favorable marketing policies and discourages misleading sales practices.
National Payment Processing Fees, Costs & Contract Terms | B-
Pricing of a National Payment Processing merchant account appears to vary based on a variety 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 one merchant complaint stating that he was charged a $250 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. Merchants are strongly encouraged to read their contract to uncover possible annual service agreements, early termination penalties, and additional service charges.
National Payment Processing Complaints & Service | B
National Payment Processing has a low volume of complaints filed in the usual forums and comment section of this review. 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. Based on National Payment Processing’s size and time in business, the type and volume of complaints appear to be well below average for the industry and do not raise alarm with this reviewer.
National Payment Processing BBB Report | A (CPO Adjusted)
As of this review, the Better Business Bureau (BBB) is awarding National Payment Processing an “A+” rating and and reporting that the company earned accreditation in May of 2011. As of this update, the report states that the National Payment Processing has received 31 complaints in the last 36 months. Of the total, 16 are regarding problems with products and services, 12 due to billing and collection disputes, and three for advertising or sales issues. National Payment Processing has successfully resolved all but five of the complaints to the merchant’s satisfaction. We have adjusted the rating to an “A” for our scoring purposes based on our Rating Criteria.
Overall, National Payment Processing scores fairly well in comparison to similar providers. The company can improve its rating by eliminating it PCI Compliance fee and eliminated complaints regarding confusion over pricing and fees.
- Best Merchant Account Providers
- Compare Rates and Fees
- Best Credit Card Processing Apps: iPhone | Android
- How to Get Out of a Merchant Account Contract
- Why Credit Card Processors Hold Funds
- How to Report Bad Merchant Account Providers
- How to Get the Services You Need Without Getting Scammed
|Top Providers By Specialty|
|General Processing (Retail, etc.)|
Getting paid to re-write this page? Click here to earn a reward.
Copyright © CardPaymentOptions.com (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608)