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In this review of National ACH, a payment processor based in Las Vegas that serves both standard and high risk businesses, we take a close look at their services including ACH and check processing, payment gateways, virtual terminals, same day processing, fraud protection, and automated billing. We also examine how transparent their pricing is, what their contract terms involve, and how merchants rate their customer support and overall satisfaction. The review highlights feedback from users that point to strengths such as reliable setup and dependable recurring ACH processing, while also noting areas where details are limited or unclear. By the end, you will have a clear sense of whether National ACH is a strong choice for your electronic funds transfer needs.
About National ACH
National ACH Homepage
National ACH is a Las Vegas, Nevada-based merchant account provider that specializes in ACH processing services to traditional and high-risk merchant accounts. The company shares an address with another company called PayNetSecure, and it appears that both PayNetSecure and NationalACH may be related to a third company called Best Solutions Source.
Products & Merchant Services
Payment Processing Including High-Risk Merchants
National ACH offers payment processing services that cater to a wide range of businesses, including those classified as high-risk. This service ensures that businesses, regardless of their risk category, can handle transactions efficiently and securely.
Check & ACH Processing
National ACH provides check and Automated Clearing House (ACH) processing services. These services facilitate electronic payments and check transactions.
Payment Gateways
National ACH offers payment gateways that enable businesses to process online payments securely. These gateways provide a seamless connection between a business’s website and the payment network.
Virtual Terminals
National ACH includes virtual terminal services, which allow businesses to process payments without a physical card reader.
Same-Day Processing
One of the notable services of National ACH is same-day processing. This feature allows businesses to process and settle transactions on the same day.
Fraud Protection
National ACH emphasizes security by offering fraud protection services. These services are designed to detect and prevent fraudulent transactions.
Automated Billing
National ACH provides automated billing solutions that streamline recurring payment processes. This service is particularly useful for businesses that offer subscription-based services or need to manage regular customer payments.
Customer Reviews & Sentiment
Clean Complaint Record
We are currently unable to locate any negative National ACH reviews, and we have no reason to believe that the company is a scam or a ripoff. The company’s clean complaint record is surprising considering its focus on high-risk business types, and it reflects positively on National ACH that the company has steered clear of negative reviews while serving traditionally volatile sectors. National ACH likely has multiple banking partners, so it’s possible that some complaints intended for National ACH are mistakenly spread across the online profiles of its acquiring banks. However, we have not seen any evidence that this is occurring. If you have your own National ACH review to make, please do so in the comments below.
National ACH Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against National ACH. However, the company’s generic name makes it difficult to find such information about it. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
National ACH Customer Support Options
National ACH offers phone and email contact information on its website, but it’s unclear whether these lines of communication are devoted to customer support. Even so, the company’s support channels are currently performing as well as some of our top-rated credit card processors for customer service.
Industry Scores & User Ratings
Online Ratings Summary
PaymentPop
5
BBB Rating
N/A
PaymentPop Rating for National ACH
Negative Feedback
There are no negative reviews published about National ACH on the PaymentPop website.
Positive Feedback
We needed a processor that could handle recurring ACH payments without constant issues, and National ACH has delivered. The setup wasn’t overly complicated, and once we were live, everything just worked. Support has been responsive the few times we’ve needed them.
National ACH BBB Rating
National ACH currently has an “A+” with the Better Business Bureau, though it previously had an “A+”, and it is not showing BBB accreditation. The company has received 0 complaints in the past 36 months. The BBB currently classifies National ACH as an “auto rental and leasing” business, which is unsurprising considering past incidents where the BBB did not do its proper diligence.
An “A” Performance
In light of the company’s complaint-free BBB profile, we agree with its rating.
Processing Rates & Fees
Flexible Pricing Structure
There’s limited publicly available information regarding NationalACH’s contract terms presently. Given the company’s specialization in high-risk industries, it likely tailors its pricing to individual merchants based on factors like business type, size, and processing history. However, National ACH does provide potential price ranges for its per-transaction fees. Automated ACH transfers typically range from $0.35 to $0.95 per transaction, while online, mailed, or telephone check payments range from 0.5% to 2.95% plus $0.35 to $0.95. High-risk businesses might incur slightly higher rates of 2.95% to 4.95% per transaction. Moreover, National ACH offers customized plans for its international merchant accounts and high-volume merchant accounts.
E-commerce Solutions Pricing
In addition to its in-store payment processing services, National ACH also highlights its virtual terminal and payment gateway services on its website. However, pricing details for these services are not disclosed. Generally, additional rates and fees, including gateway fees, technical support fees, batch fees, and extra transaction rates, apply to these e-commerce services.
Transparent Pricing for High-Risk Businesses
National ACH explicitly mentions its focus on serving high-risk businesses. While specific pricing isn’t disclosed, its affiliation with PayNetSecure might offer some insight. PayNetSecure provides general pricing guidelines for various business types. For high-risk U.S. businesses, the quoted per-transaction fee ranges from 2.45% plus $0.25 to 4.5% plus $0.30, with a monthly fee between $10 and $20 and a rolling reserve of up to 10%. These rates serve as a reference point for high-risk businesses considering services from National ACH.
No Reported Pricing Complaints
There are no apparent complaints about National ACH’s rates and fees, indicating satisfaction among most clients. Additionally, there’s no information available about potential early termination fees, PCI compliance fees, or debit and credit card processing fees that the company might impose (potentially in partnership with PayNetSecure). If you possess specific knowledge about the standard National ACH contract, we encourage you to share it in the comment section below this review.
National ACH also offers e-commerce solutions including virtual terminals
Employee Reviews & Sales Practices
In-House Sales Team
National ACH primarily markets its services through a combination of referral partnerships and traditional advertising. The company does not appear to employ a large team of independently contracted sales agents, and we cannot find any National ACH reviews that accuse the company’s sales team of unethical conduct.
Accurately Quoted Rates
National ACH lists several per-transaction rate quotes on its website, and these quotes appear to be accurate representations of the company’s pricing. ACH payments are generally not subject to the tiered pricing tricks commonly used in credit card processing quotes, so there is inherently less risk when evaluating quotes from National ACH than there would be through a conventional payment processor. If you suspect that National ACH has misrepresented its pricing to you, we recommend seeking a third-party statement audit to spot hidden fees.
National ACH Competitors
Compare National ACH to competitors that earned top marks.
National ACH rates as a reliable credit card processing provider based on all available information. The company specializes in providing ACH processing to traditionally underserved sectors and has maintained a clean complaint record throughout its operations. Its rates and fees appear consistent with industry averages, offering a competitive solution for businesses needing ACH services. However, prospective clients should request and review all relevant documentation before committing to a processing agreement with the company. By our standards, National ACH is currently performing on par with some of our top-rated e-commerce merchant accounts.
