National ACH Reviews & Complaints
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.
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.
National ACH Customer Reviews
Here's What Their Clients Say
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
- Support form
- Customer service via email at [email protected]
National ACH Online Ratings
Here's How They Rate Online
BBB Reports | 0 |
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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
Cancellation Penalties | Unclear |
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Monthly & Annual Fees | Unclear |
Processing Rates | 1.00% - 4.99% |
Equipment Leasing | No |
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
National ACH Employee Reviews & Sales Tacitcs
Should You Work For Them?
Uses Independent Resellers | No |
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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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Testimonials & Complaints
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