National ACH Review 2023: Reviews & Complaints

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National ACH Rating
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Company Overview

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • National ACH’s various payment processing services.
  • The company has received few complaints.
  • There is not a lot of information about the company’s contract, though it may resemble that of PayNetSecure.
  • The company serves high-risk businesses.

National ACH Payment Processing

National ACH processes all major debit and credit cards for most business types (including high-risk), and it particularly specializes in processing checks and ACH payments. Its services include access to payment gateways, virtual terminals, same-day deposits, fraud protection, MOTO, automated recurring billing, international payments, and ACH payments.

Location & Ownership

National ACH does not identify a specific backend processor on its website, but it may be partnered with multiple acquiring banks in order to serve its high-risk merchants. National ACH’s website states that it is located at 3773 Howard Hughes Pkwy, Las Vegas, Nevada 89169, but the Better Business Bureau lists an address at 1734 W. Shady Grove, Irving, Texas 75060. Tina Brandon is the vice president of sales at National ACH.

Table of Contents

National ACH payment processing
National ACH offers standard payment processing with a focus on checks and ACH

National ACH Customer Reviews

Here's What Their Clients Say

Key Points

Total Online Complaints <10
Live Customer Support Unknown
Most Common Complaint N/A
Recent Lawsuits No

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.

National ACH Customer Service Number

  • (855) 562-2242 – Toll-Free Support

Other Support Options

National ACH Online Ratings

Here's How They Rate Online

Online Ratings Summary

BBB Reports 0

No BBB Complaints

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.

National ACH Fees, Rates & Costs

A Closer Look at The Contract

Key Points

Cancellation Penalties Unclear
Monthly & Annual Fees Unclear
Processing Rates 1.00% - 4.99%
Equipment Leasing No

Custom Pricing

There is not a great deal of publicly available information regarding NationalACH’s contract terms at this time. The company’s focus on high-risk industries means that it probably customizes its pricing according to each merchant’s business type, size, and processing history. However, National ACH does give some possible price ranges for its per-transaction fees. Automated ACH transfers will generally receive a rate of $0.35 to $0.95 per transaction, while online/mailed/telephone check payments will cost 0.5% to 2.95% plus $0.35 to $0.95. High-risk businesses can expect to pay slightly higher rates of 2.95% to 4.95% per transaction. National ACH also offers custom plans for its international merchant accounts and high-volume merchant accounts.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, National ACH also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

High-Risk Business Pricing Ranges

National ACH makes an explicit mention of serving high-risk businesses. While the company doesn’t disclose that pricing, its apparent affiliation with PayNetSecure may provide some insight. PayNetSecure does provide general pricing guidelines for different types of businesses. For high-risk U.S. business types, the company quotes a per-transaction fee between 2.45% plus $0.25 and 4.5% plus $0.30, a monthly fee between $10 and $20, and a rolling reserve of up to 10%. For high-risk offshore businesses, the company quotes a per-transaction fee between 3.5% and 6.95% plus $0.65, a monthly fee between $50 and $150, and a rolling reserve between 5% and 10%. For international e-commerce businesses, the company quotes a per-transaction fee between 2.95% and 4.95% plus $0.45, a monthly fee of up to $50, and a rolling reserve of up to 5%. Though these rates may not be provided by National ACH, their association with PayNetSecure is a valuable point of reference for high-risk businesses considering services.

No Merchant Complaints

We cannot find any complaints about National ACH’s rates and fees, so it appears that most of the company’s clients are satisfied with the amount they pay. We also cannot locate any information about possible early termination fees, PCI compliance fees, or debit and credit card processing fees that the company might charge (possibly in partnership with PayNetSecure). If you have any specific knowledge of the standard National ACH contract, please share that information in the comment section below this review.

National ACH virtual terminal

National ACH also offers e-commerce solutions including virtual terminals

National ACH Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms No

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.

Our National ACH Review Summary

Our Final Thoughts

National ACH rates as a reliable credit card processing provider according to all available information. The company provides ACH processing to traditionally underserved sectors, and it has maintained a clean complaint record while doing so. Its rates and fees appear to be consistent with industry averages, although readers should be sure to request and review all relevant documentation before signing up for processing through the company. By our standards, National ACH is currently performing as well as some of our top e-commerce merchant accounts.

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