1st National Processing Overview
An iPayment/First Data Reseller
1st National Processing (1stnationalprocessing.net) is a merchant account provider based in Los Angeles, California. The company appears to be an alternate business name of iPayment (now Paysafe) and eProcessing Network, and it resells First Data and Clover products. 1st National Processing also has sub-ISOs or other offices located in Anaheim, Beverly Hills, Long Beach, Oxnard, Riverside, Santa Monica, Van Nuys, Las Vegas, Orlando, and Syosset, New York.
1st National Processing Location and Ownership
1st National Processing is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and is headquartered at 6399 Wilshire Blvd., Suite 907, Los Angeles, California 90048. Bijan Kharrazi is listed as the CEO of 1st National Processing.
1st National Processing Review Review Table of Contents
- Costs & Contract: 1st National Processing typically offers a three-year contract through iPayment with an early termination fee of $250 to $350.
- Complaints & Service: 1st National Processing has received over 30 public complaints.
- BBB Rating: 1st National Processing (as iPayment) has an “A+” rating with the Better Business Bureau and has received 226 complaints in the past three years.
- Sales & Marketing: 1st National Processing appears to hire independently contracted agents and has received roughly 20 complaints about its sales team.
- Rates & Fees: How Merchants Got The Best Rates With 1st National Processing
1st National Processing Statement Analyzer
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Our Opinion of 1st National Processing
Not a Competitive Option for Most Merchants
1st National Processing rates as a substandard merchant services provider according to all available information. 1st National is either a DBA or an ISO of iPayment, which explains its moderate-to-high complaint rate and below-average contract terms. The company utilizes a large network of sub-ISOs to resell its services, many of which go by different business names. It should also be noted that the company spells its name as “1st National Processing” rather than “First National Processing.” 1st National Processing also should not be confused with 1st National Payment Solutions. Merchants are encouraged to research which companies they’re dealing with and to compare their pricing to the top-rated merchant accounts.
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About Phillip Parker
Thank you for reading my review. I hope that it has helped you with your research.
My Qualifications
I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.
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Run away as fast as you can. We just got hit with a brand new, unannounced $100 annual fee. The money has already been taken from our bank account and they refuse to return it. There was no letter, no email, no bank statement announcement notifying us of the new fee. They say they sent out a letter a month ago, and that’s the end of it. The fact that we never received such a letter means nothing. They say that they looked at their costs and decided that they needed to charge a fee, so they just did it. The guy was quite nasty about it, and told me there was nothing I could do about it, they have the money and they’re not giving it back. The service rep stated that they have received many calls of complaints and they will not be refunding these fees to any of the customers. When I called Woodforest Bank, whom they use, the bank transferred my call right back to 1st National’s office. I got the same jerk on the phone. In the past, I’ve never been treated this way by them, and their reps have behaved decently. This guy was over the top nasty.
1st National Processing targets artisans and microbusineses in their advertising, which is we how came to use them several years ago. At the end of each year, we did cost comparisons of total annual charges, to see what we would have paid had we run cards through PayPal or Square. 1st National always came in higher, but with human customer service, we stayed with them. That changed this past January.
It is now mid-November. We kept 1st Nat as a backup, but have not used them more than once or twice since January. There were just too many times when we had to call because there were unexpected and confusing charges. Those were always resolved, but we got tired of it, and when they mistakenly charged us for one of their other customer’s fees, we were done. We saw that customer’s info on our statement. It’s a security breach. It’s cheaper to let our contract die off than pay their extortionate $300 kick-out fee.
There is not enough room to adequately express the issues with this company. It’s a scam, they are rude, they put you in touch with their fast talking east coast guy when you are not satisfied with the lower level canned answers you get from their less than helpful “reps” as they call themselves. You never know where you are calling, who you are actually talking to, and they keep charging your bank account even after you call to cancel the account. I had to call twice, once over a month ago, and then now again, but they conveniently stateed that they don’t have any notes int he system of my first call to cancel. I don’t use the machine because I use Square or Intuit where there are no PC compliance fees or any other hidden costs that are being charged to me by 1st national. I’ve been out of contract with them and don’t use the machine (that I own), but in talking with them, they couldn’t justify why they charged me over $152.00 in the last two months? It’s a scam. They put you on hold and pass you to different people in hopes that you will simply hang up and then another month passes and they charge you some more money that they can’t justify. They are stealing from unsuspecting small business owners like myself. It’s sinful. Their BBB rating, and numerous complaints certainly justify my comments here, but 1st national can’t seem to justify anything. What does that tell you about this company??? These companies are preying on people that don’t realize the alternatives that are available in today’s high tech world for accepting credit cards. I wish somehow this company could be shut down once and for all.