1st National Processing Review

1st National Processing Overview

A Paysafe/First Data Reseller

1st National Processing is a merchant account provider based in Los Angeles, California. The company appears to be an alternate business name of Paysafe and eProcessing Network, as indicated by the presence of the latter company’s logo on the 1st National Processing website. The company resells both First Data, Clover, Mynt, and Poynt 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 Paysafewith 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 Paysafe) has an “A+” rating and has received 36 complaints and 11 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2010.
  • 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
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • Petroleum
  • High risk

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1st National Processing Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99% + $0.05
e-Commerce Service Fee $10 Per Month
Early Termination Fee $250-$350
PCI Compliance Fee $129 Per Year
Equipment Lease Terms 48 Month (locked)

Three-Year Contract

The standard 1st National Processing Contract is a 3-year agreement through Paysafe with an early termination fee of at least $495, a monthly minimum fee of $14.99, and a long-term, non-cancellable equipment lease. Some of these terms may vary depending on the agent setting up the account and a merchant’s size, business type, and time in business. We also found multiple reports of merchants being signed up for expensive, non-cancellable equipment leases through 1st National, which is concerning when the allegations of slamming are taken into consideration.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, 1st National Processing also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Those e-commerce services are powered by eProcessingNetwork. The company charges a monthly service fee of $10 per month and a gateway fee of $0.05 per transaction. Additional rates and fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Prices Vary By ISO

Some ISOs of 1st National may offer shorter or less expensive contract terms, so merchants are advised to read all terms carefully and ensure that they understand the fees they will be expected to pay. In general, merchants should not expect the company’s pricing to compete with the cheapest merchant accounts available.

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Response from 1st National Processing

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1st National Processing Complaints & Customer Reviews

Key Points

Total Online Complaints 30+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Moderate Complaint Total

We are currently able to locate over 30 1st National Processing complaints, many of which describe the company as a scam or a ripoff. Common complaints include nondisclosure of contract terms, high cancellation fees, difficulty canceling service, poor customer support, and unethical sales practices. Very few of these complaints received rebuttals from the company, although the owner of one of the company’s ISOs, responded to several complaints to point out that his office wasn’t responsible for these complaints.

1st National Processing Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against 1st National Processing. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

1st National Processing Customer Support Options

Although 1st National’s headquarters in Los Angeles is only mentioned in approximately half of the company’s negative reviews, it is our policy to hold the parent company liable for the conduct of its subsidiaries. This also holds true for iPayment, which likely provides the customer service for 1st National and its ISOs. 1st National Processing claims to offer 24/7/365 technical support, but this may simply refer to the tech support line offered by First Data. At this time, the company falls well short of the top-rated merchant accounts for great customer service.

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Response from 1st National Processing

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1st National Processing BBB Rating Summary

Key Points - BBB

Product & Service Complaints 20
Billing & Collection Complaints 15
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 1

Shared Profile With Paysafe

The Better Business Bureau currently lists 1st National Processing as a DBA of payment, which is now owned by Paysafe. It also maintains several other profiles labeled 1st National Processing. For the purposes of this section, we will include information feature on Paysafe’s BBB profile. Paysafe has been an accredited company with the BBB since 2010 and is currently showing an “A+” rating with 36 complaints in the past 36 months. 20 of those complaints concern problems with a product or service, 15 address billing or collections issues, and 1 addresses a delivery issue. Paysafe has resolved 7 of the 36 complaints. The remaining 29 complaints were answered in good faith by the company but did not receive a final response from the merchant.

What Merchants Say

Paysafe has also received 11 informal reviews on its BBB profile, 6 of which are negative, making only 1 positive. The most recent review describes a multitude of issues from deceptive sales practices to unexpected fees, ultimately calling the company’s rating with the BBB into question:

I have just had a support interaction with them from which I concluded they are incompetent and dishonest. We are a small non-profit as used them starting in 2016 to save little on card collection costs. The quoted a good price structure, but we found that they were upping the rates over time without telling us. We switched to FATT Merchant. When we later closed the account with Paysafe, or I-access or whatever they call themselves now, they also closed our Aouthrize.net Gateway account which has put us out of business. They were not authorized by us to do that. When I called they said that was automatic (even though the A.net account was originally opened by us, and it was not their fault. They refused to take any action to fix the mess they created. Fed me a bunch of BS even when I escalated the case. I would give them 0 stars if I could

Businesses who find themselves this unsatisfied with their merchant account should take the necessary steps to cancel their account without paying a fee.

An “A” Performance

In light of the low complaint total and resolution ratio of Paysafe, we agree with the company’s BBB rating of an “A” for the purposes of this review.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No

Outside Sales Team

1st National Processing appears to use a network of ISOs, sub-ISOs, and other resellers to market its services. This practice has spread complaints about the company across the online profiles of these smaller entities, and only a portion of the overall complaints about the company directly refer to its headquarters in Los Angeles (or, formerly, Calabasas).

Sales Complaints and Deceptive Quotes

We are currently able to locate approximately 20 1st National Processing reviews that accuse the company or one of its subsidiaries of deceptive sales practices, including misrepresentation of rates and fees, aggressive telemarketing, and “slamming.” Slamming refers to a deceptive sales tactic in which a company poses as a merchant’s current processor in order to sign the merchant up for its services, and it is seen as a highly unethical practice within the industry. The company also advertises rates on its website “starting at 0.15%.” We consider this type of rate quote to be deceptive because it only lists the company’s Qualified rate without mentioning the higher Mid-Qualified and Non-Qualified rates that merchants are likely to receive on the majority of their transactions.

Substandard Sales Practices

Given the volume and content of the company’s complaints, we are currently scoring 1st National a “D” in this category. If you suspect that the company is overcharging you, we recommend seeking a third-party statement audit to find and eliminate hidden fees.

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Response from 1st National Processing

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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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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

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2 Reviews Leave Your Review for 1st National Processing Below

  1. Kerensa Bertolino says:

    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.

  2. Anne Jansen says:

    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.

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