National Payment Processing
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National Payment Processing Overview
National Payment Processing Logo
National Payment Processing (NPP – 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 come by.
Based on phone calls to agents and online research, it appears that NPP may be affiliated with, or connected to, a few other companies. NPP 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, NPP may have a business relationship with Titan Merchant Services and Spectrum Merchant Services, but the exact details of these relationships are unclear. An agent of NPP claimed that Titan was NPP’s processor but upon closer inspection it looks as though Titan is an agent or sub-ISO of NPP. It appears that NPP uses First Data for its processing services, based on its relationship with Wells Fargo as its Acquiring Bank and that the company supplies First Data equipment.
The company appears to also be affiliated with the following websites:
- credit-cardmachine.com
- chargeonphone.com
- virtual-terminal.com
- phonecreditcardprocessing.com
- merchantsvcs.com
Aside from providing credit card processing services, NPP also supplies electronic check processing and gift card programs.
National Payment Processing Marketing Strategy | B
NPP does not use any misleading advertising or sales tactics that are apparent to this reviewer. The company appears to rely heavily on recruiting outside independent sales agents, resellers and referral partners. There are also a couple reports from merchants claiming to have received telemarketing calls from NPP but it is unclear if these calls came from the company itself, or a reseller.
NPP is not suffering from the common complaints associated with hiring independent agents and resellers, so we will not be lowering the company’s grade unless more evidence arises to suggest otherwise.
National Payment Processing Fees, Costs & Contract Terms | B
Pricing with NPP appears to vary based on a variety of factors including a merchant’s business type, processing volume, and the person setting up the account. An agent of the company claimed that NPP’s contract is month-to-month with no cancellation fee; however, Merchants are strongly encouraged to read and understand their NPP contract to verify that this is truly the case.
Based on reports from merchants, NPP may be charging a $129 per year PCI Compliance fee. This is a common fee in the industry, but $129 is higher than average.
National Payment Processing Complaints & Service | C
NPP only has a handful of complaints filed in the usual forums. Most of the complaints from merchants report unexpected and hidden fees, and having their fees increased without notice. A couple reports also indicated difficulty in cancelling accounts. Based on NPPs size and time in business, it is not clear if these are isolated incidents or common problems. We will continue to monitor NPPs complaints and update this review accordingly.
National Payment Processing Better Business Bureau Report | N/A
As of this review, the Better Business Bureau (BBB) is showing two (2) separate reports for NPP. One is saying the company has been accredited since May of 2011 and awarding the company an “A+” rating. The other has “No Rating” and is in the process of being updated. The “A+” report states that NPP has had one complaint in the last 36 months regarding billing and collection. Due to the inconsistencies of the BBB reports, we will not factor them into NPPs overall score of this review.
Bottom Line
Overall, National Payment Processing scores fairly well in the different sections of this review; however, we are going to hold the company’s rating to a “C+” until more details about its business practices and relationships can be attained.
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14 comments
Jan G
April 18, 2012 at 6:09 am (UTC -7)
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!
Eileen
February 9, 2012 at 2:53 pm (UTC -7)
I used National Payment Processing for about a year through a local rep. Charges that were not supposed to show up (ie $24.90 per month for not meeting my minimum) were charged consistently. My rep would try to get them off my statement but if I did not constantly monitor the statemenst they were back again, and were never refunded in the first place. They also charged about $50 a month in compliance fees and “batch header” charges, even when no statement was sent. I finally cancelled them $250 “cancellation charge” which was never disclosed to me. It took me 6 weeks to get them to close my account national office said to call local office, local office never answered phones and would not return my call. Finally after six weeks I receive notification that account has been closed. Ohhh but not really, it takes 30 days to close the account, so add that onto the 6 weeks it took to get my account closed. I am now charged $79.40 for two months that I never used the processing and my account was “closed” plus a “standard” $250 closing fee. A total of $408 to get rid of them and over 13 hours on the phone. Run don’t walk away from them or any rep who reps this company. It would be easier and more ethical to deal with a loan shark. I called my local rep and asked her to do the right thing by refunding the $79.40 for the months no processing was done and the $250 for the “standard” fee which she never disclosed to me. Basically she said have a good life and I am out $400. Read the fine print, don’t take anything as standard..
I have a small business I use square, which I love, no contract, no compliance fee, I can take AmEx and I can use it on my phone when I am out of the office.
marshall stevenson
June 16, 2011 at 12:41 pm (UTC -7)
These people add stuff in fine print, make false promises. and you lose money. You are the biggest fool on earth if you use them
Phillip Parker
June 16, 2011 at 1:06 pm (UTC -7)
Hi Marshall, it would be great if you could add some more detail about your experience so that other merchants can learn from it.
Marshall Stevenson
June 16, 2011 at 1:47 pm (UTC -7)
Yes. Ok.
It seems to me this company signs you up for a somewhat decent deal, and then adds fees as you go along hoping you won’t notice. I was apparently slapped with a non-compliance fee for failing on some requirement, that was not in place when I signed up. When I called I was told that my refund request would be reviewed. I get the sense there was no review, as I was told today that there “is no guarantee of money back” Where that money went is is somewhat unclear. Additionally I was charged for webservice I never wanted or used. They stopped charging me for that…but I never got any refund on a service I never signed up for (and was told I would get refunded)
I have dealt with these kind of people before. These people are greedy parasites who set up a business model that takes advantage of people who are not paying close enough attention. I am definitely forwarding all complaints about them I read online to the Attorney Generals office. New laws and regulations may be necessary.
Meantime, I ask for suggestions on means to get my money back, perhaps by legal means.
Phillip Parker
June 16, 2011 at 3:24 pm (UTC -7)
Thanks Marshall,
As for getting your money back, the method I’ve seen work for many merchants is to file a complaint with the BBB and remain courteous, yet persistent, and continually follow up with the same person at (NPP) until they relent. Be sure to log everything you were told throughout the process. If any new information arises about this, I would appreciate it if you would update us on this thread. Good luck!
Larry Vasques
May 16, 2011 at 10:55 am (UTC -7)
I have been a independant contractor tor NPP / formerly 1st National Merchant Services.
As an agent I have not be paid residuals on my accounts, management has refused to even provide complete reports on the processing of my merchants, I brought to NPP, I have hired a attorney. I don”t know what is going on with this company, I cannot recommend a merchant or agent to get involved, until they repent.
Sincerly,
Larry Vasques
Jaceel
April 11, 2011 at 3:20 pm (UTC -7)
This is greed. Everything is a fee. They had the audacity to call to see if I wanted to continue to do business with them. When I called to inquire about yet another fee after the account was closed, they indicated my account was is still open and they so I incurred another fee. I will absolutely stop taking credit cards before I deal with them again. Greed is known to eventually breed corruption. Watch out everybody.
Zhao Su
December 28, 2011 at 1:00 pm (UTC -7)
They are the worst company you can do business with. All the complains on this website I experienced somehow. I feel bad that they are not on Yelp or other popular sites so other consumers can be warned. Even you closed your account, they still charges you. I think some attorneys should get a case together and protect the consumers.
Debbie Saylor
April 8, 2011 at 3:47 pm (UTC -7)
I would suggest not going with this company. I had their services for close to 4 years and it seems every other month there was an increase for this or that. I finally got fed up because of a $129 “compliance fee” that has been charged both in 2009 and 2010. I finally packed up the equipment, sent it back and canceled as of Jan. 31st. I still got charged for the month of February and officially was canceled as of Mar. 3rd. Unfortunately, I forgot that they had access to my bank account for automatic withdrawal. On March 31st they withdrew that $129 “compliance fee” and are trying to tell me that it was for 2010. These people need to be reported—-I would suggest that anyone currently doing business with them to watch their statements and bank account very closely!
Mike
April 6, 2011 at 7:34 am (UTC -7)
I would warn everyone who is looking for a credit card processing company, not to use this company. I never had a company who was so unethical as these people. You will find yourself being hit with all kinds of fees that have never been disclosed. They have no problem taking the money out of your account and then they tell you how you signed the contract. My business is 22 years old and I started using this company a year ago. Even after I cancelled, I still recieve bogus charges. Leaving me no choice but to close my account and reopen a new account.
rami
July 26, 2011 at 2:08 pm (UTC -7)
I agree they are the worst on the field, they put a $129 fee after I closed my account and they called it an annual fee which it was not on the contract. But they say we have the right to change the contract any time. There team well trained to scam customers stay away from them.
Jesse
November 18, 2010 at 11:27 am (UTC -7)
Im so glad I found some info about this company. I am located in a region affected by the BP oil spill and immediately following the event, I began to recieve numerous phone calls from a rep for National Payment. I am currently a First Data processing client, and the sales pitch sounded exactly the same as the previous 10+ reps I spoke to this year alone. This sounds like a hustle, and it is a shame that they are preying on businesses affected by a disaster by using it as their front to “help businesses in need”. They also always try to say that they will pay off your existing contractractual agreement with your previous processing company. This is Bull. I did this recently, and you never get your money back when you break contract with the majority of processing companies. Anyway, thanks for the great info pertaining to these con artists.
barry
January 11, 2012 at 2:43 pm (UTC -7)
Only use this company if you enjoy being ripped off monthly, and even when you close the account they are still in your pocket.
They have an attitude that “hey, we have your account so we will charghe you what we want and too bad for you because we have your money.”
I recomment googling square.com.
Also no PCI charge.