National Bankcard Merchant Services Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Good customer support Independent sales agents
No termination fee Non-transparent fees
Competitive rates Deceptive rate quotes
Free processing equipment Three-year contract
Multiple payment options Monthly fee applicable

Company Overview

National Bankcard is a merchant account provider based in Melville, New York, on the same street where Evolution Bankcard, EVO Payments International, Pivotal Payments, and Bluefin Payment Systems maintain their respective headquarters. Founded in 2007 (according to several third-party sources), National Bankcard is a reseller of iPayment and Total Merchant Services. It's worth noting that National Bankcard could potentially be confused with National Bankcard Systems, an Austin, Texas-based company, in search results, but that these two companies are not affiliated with one another.

National Bankcard Payment Processing

National Bankcard processes all major debit and credit cards for most business types. Their services include Clover POS and mobile systems, EMV card readers and swipers, e-commerce solutions, cash discounts, gift and loyalty programs, check processing, data reporting and analysis, invoicing, and QuickBooks integration.

Online Payment Processing

One of the key services provided by National Bankcard is their online payment processing capabilities. This is particularly vital as more businesses are moving towards digital platforms. They offer a secure online payment gateway, which enables businesses to accept and process payments from customers over the internet, in a safe and efficient manner.

Mobile Payment Solutions

Recognizing the surge in mobile commerce, National Bankcard also offers mobile payment processing solutions. This service enables businesses to accept payments through mobile devices, offering a convenient option for businesses that operate on-the-go or outside of traditional storefronts.

Point of Sale (POS) Systems

National Bankcard offers robust Point of Sale (POS) systems that are not limited to payment processing. These systems can assist businesses in managing inventory, tracking sales, and providing detailed reports that can be used for business analysis. The POS systems are also adaptable, making them suitable for various industries, including retail, hospitality, and services.

Customer Loyalty Programs

Understanding the significance of customer loyalty and retention, National Bankcard offers customizable customer loyalty programs. These programs are designed to increase customer loyalty, encourage repeat business, and promote brand awareness.

Security and Compliance

A significant aspect of National Bankcard's service is their commitment to security. Their payment processing solutions adhere to the Payment Card Industry Data Security Standard (PCI DSS), ensuring that customer data is protected. Additionally, they have robust measures in place to prevent fraud, giving businesses peace of mind when it comes to the security of their transactions.

Location & Ownership

Jonathan Monge is listed as the CEO of National Bankcard, which is a registered ISO/MSP of Compass Bank, an Alabama State Chartered Bank. The company's main office is located at 538 Broadhollow Rd., Suite #213, Melville, New York 11747.

National Bankcard Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits No

Low Complaint Total

We are currently able to locate more than 10 negative National Bankcard reviews on consumer protection forums. One complainant cites a 90-day hold placed on several high-ticket transactions and difficulty resolving the issue through customer support, while another describes unauthorized charges and trouble canceling service, all complaints echoed elsewhere. In the comment section of this review, clients complain of poor customer service and undisclosed fees. If you have your own National Bankcard review to make, please do so below.

National Bankcard Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against National Bankcard. 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 Bankcard Customer Support Options

iPayment responded to one National Bankcard complaint in a generally professional manner, while Jonathan Monge did the same for another complaint. The available complaints do not mention particularly egregious issues, and the overall number of complaints is low for a company of National Bankcard’s size and time in business. National Bankcard offers 24/7 live phone support to clients, but this is not sufficient to earn the company a place among our top-rated merchant accounts for great customer service.

National Bankcard Customer Service Number

  • (877) 977-0598 – Toll-Free Customer Service

National Bankcard Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 24

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 20 Complaints

National Bankcard currently maintains an “A+” rating with the Better Business Bureau and has been accredited since 2007. The company has resolved 8 complaints to the satisfaction of the merchant, while the remaining 10 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

National Bankcard has also received 6 informal reviews, 4 of which are negative. One recent review describes poor customer service and unexpected charges:

It’s a big fraud company. The sales people promise you something else and make you signup but later you see so many different charges in end of month on your account. Pathetic customer support. Have to call several times and no one will call you back

Related: Learn why merchant account providers hold funds.

A “B” Performance

Given the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B.”

National Bankcard Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Three-Year Contract

According to merchant complaints and the company’s program guide the standard National Bankcard contract is a three-year agreement with no early termination fee, a monthly minimum fee of $25, a monthly statement fee of $7.50, an annual PCI compliance fee of $79, and either a tiered or interchange-plus pricing schedule. The company’s tiered pricing charges a swiped rate of 0.25% plus $0.19 for debit cards and 1.58% plus $0.19 for credit transactions. The company’s keyed-in rate charges 0.85% plus $0.19 for debit while a significantly higher rate of 1.99% plus $0.19 for credit. A company representative has stated that National Bankcard’s monthly service fee is $5 rather than $7.50 and that the company offers a free mobile card reader with a $4.99 monthly RoamPay account as well as an virtual terminal for $5 per month. In any case, these contract terms are better-than-average for the industry, and the company’s $0.00 cancellation fee is a merchant-friendly policy that doesn’t lock business owners into their agreements.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, National Bankcard 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 National Bankcard rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services

National Bankcard Free Terminal Policy

National Bankcard sells credit card processing equipment outright and also offers a free terminal placement program. Given the fact that there may be additional terms associated with free equipment, clients are advised to purchase their EMV terminals outright whenever possible.

We also encourage business owners to check out our list of the providers of the best merchant services.

National Bankcard Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing Yes
Discloses All Important Terms No

Inside/Outside Sales Team

National Bankcard appears to utilize traditional advertising, search engine marketing (SEM), and independent sales agents to market its services. The use of independent agents (or, in National Bankcard’s terminology, a nationwide “referral program”) typically results in elevated complaint rates for the companies who employ them, as these agents operate with minimal oversight, support, or training. In the case of National Bankcard, we have found a low number of negative National Bankcard reviews related to the misrepresentation of rates, specifically with regard to debit card processing fees. Clients report being quoted an unrealistically low rate for debit transactions only to find out later that they actually pay much higher rates for the majority of cards.

This does not compare favorably to our list of best credit card processors.

National Bankcard Teaser Rates

This confusion is likely related to National Bankcard’s frequent use of “teaser” rates, which list the company’s Qualified debit rates but do not disclose the Mid-Qualified and Non-Qualified rates that businesses will pay on most transactions. At the time of this article’s publication, National Bankcard’s homepage promotes rates “from only 0.25%.” At the time of our previous update, the company’s “Rate Comparison” page listed a swiped debit rate of 0.25% plus $0.19 and a keyed debit rate of 0.85% plus $0.19. It also showed a swiped credit card rate of 1.58% plus $0.19 and a keyed credit card rate of 1.99% plus $0.19. These National Bankcard rate quotes may be accurate for each card type’s Qualified tier, but they make no mention of the higher rates that the company charges on these transactions. We consider this type of rate quoting to be deceptive, as these quotes could give business owners an unrealistic expectation of the rates they will pay.

Rated “B” For Now

The company’s grade has been lowered due to its legacy of misleading rate quotes, although its somewhat low complaint total and lack of a cancellation fee still keep it at an above-average grade of “B.” If you suspect that a National Bankcard representative misled you about your pricing, you can double-check your monthly bill with a third-party statement audit.

Our National Bankcard Review Summary

Our Final Thoughts

National Bankcard rates as a slightly better-than-average credit card processing provider according to our rating system. The company’s $0.00 early termination fee and low complaint rate outside of the BBB are the main factors raising its grade at this time, while its use of deceptive rate quotes and its complaint total through the BBB have lowered its overall rating slightly. National Bankcard can improve its overall grade by eliminating teaser rate quotes from its advertising material and resolving complaints in-house before they are taken to the BBB. For now, business owners are encouraged to compare the company’s pricing to that offered by top-rated credit card processors.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did National Bankcard Treat You?

21 User Reviews

  • Jeff Atkins

    Just a terrible experience. Non-transparent fees, and they close your account without any warning or notice. As you can see with all the other comments – they also basically hold your funs if they close (without telling you). They need a class action against them.

  • Matt

    They are calling and harassing me despite repeatedly telling them not to. They are offering to pay me $150.00 to change a negative review I made online about them to a positive one. I now see why they have high praise online because I’ve had nothing but terrible experiences with them and I can only imagine countless others have been paid off by them to change their reviews. I however have integrity.

    They will tie up legitimate transactions and demand privileged information from you and for you to waste many hours of your time to get it released. Furthermore they hit your bank account on file with totally UNAUTHORIZED charges and only when you spot them and threaten to file a charge back do they say “sorry it was a mistake and we will refund those”. This company is a complete FRAUD everything from their reviews to their billing practices is a complete sham built upon them paying people for reviews. RUN RUN RUN use anyone BUT THEM…. Pay the extra $100 per hundred to the company who has the name of a shape, it will save you thousands in lost time, hassle, bogus charges and harassment!!!

  • Dementia

    Horrible,When I joined joined them l gave them everything and they even asked me the take picture of my checks and send to but still everything got messed up,l went for big sell on may 7 until now the money is not yet in my account, and I’m glad I didn’t used the card that much because it was not working, I did three transaction,$52/26/260 and the they told me that only 270 will go to my account, I am definitely looking forward to go to PayPal when I finish to resolve this issue

  • Max

    BEWARE: This company has shut our POS down suddenly due to an internal error by one of their sales people who has not input our bank account number correctly. However, we are proceeding with legal charges as this is unacceptable for a business, we should never go through such inconvenience.

  • Penny

    Have their card processing terminal. Used it for the first time. A transaction of 25.00. It is now going on 6 days and the funds still have not been put into my account.. Called customer service and was told it takes up to 48 hours for it to reflect in my account. Well that was 6 days ago. I am not a very tolerate person when it comes to money I bust my butt or, so I will be closing my account promptly. What a scam. I am also reporting them to the BBB.

    This post will help: How to Make Your Payment Processor Release Your Money


  • American Inn

    Dumb company, customer service is third class, not having enough knowledge to give answer promptly. When it’s time to charge us within a second it’s done but when it’s time to payback, you have to call them 10000 times and all the time you get new excuses. I closed my account in July 2018, actually I submitted my application for closing A/C in June but somehow because of lack of interest of work of their representative after several follow-up calls, got close in July, since than they still withdrawing money from my account. I claimed for my money and got confirmation of refund 6 week ago and now today a lady representative informed me that you didn’t claim, ridiculous……..😠😠😠😠😠😠😠

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Gregg

    I have been with this company national bankcard for almost 2 years and started noticing my monthly fee getting higher and higher. The statement shows extra charges but either no explanation or the charge is beside a code only an insider could understand. I figured that for each charge they deducted 11/2 % from each batch deposit.In other words they skimmed 11/2 % from the top. Then I would still get a separate monthly deduction of anywhere from 100. – 250. from my business checking account. This is not what the salesman sold me when I signed up. If you go to their website and do their online estimate they tell you the rate is 5.00 admin charge plus .19 cents per transaction.Then 1/4% for a debit card and 11/2 percent for a charge card. In reality my gross charges for May were 3,357.00 between the 11/2 percent off the top plus the 229.00 separate deduction from my checking account they charged me about 8 1/2 Percent for their service. Total scam artist and liars. Do Not Use National Bankcard.

    From The Editor
    This Post Might Help: Find and Eliminate Hidden Fees From Your Monthly Statement

  • Marvin Sandoval

    This was a very bad experience by far! Hiring this company has really wasted lots of my time on the phone with them and with my bank. First I get charged for a full month when I received the transponder on the last week of the month. I did only one transaction on the last day of the month to try it out and I got charged $39 for the full month plus additional cost because I did not do the minimum of 25 transactions in the month. I called to complain on the 4th after receiving my statement of course. They only refunded me back the $25 for not completing the 25 transactions but not till the 15th of the month. I canceled my contract with them by then and the following month I get charged another $9 dollars for the one transaction I did two months prior. They stated it was for the transaction I did that didn’t process until the following month. The transaction was for $220 and they charged me almost 4% on top of the regular 0.25% I signed up for. This is completely absurd and they refused to refund me back. They state in their website that they are rated A+ in the BBB, but there are only 1 star reviews!

    From The Editor
    This Post Might Help: Top-Rated All-Purpose Merchant Accounts

  • Joe

    I have had a very poor experience with National Bankcard. Their staff is poorly trained, customer service wait is 30 minutes or more and then you are sent to voice mail. The limit is $20,000 a month which is great for flea market people and beauty salons, but not any serious retailer. They lie about granting a higher processing limit. My 4-year old business processes $600,000 @ year and they got me all set up and then denied raising it past $20k.

    Just do yourself a favor and find another company, National Bankcard is not good at all.

  • Mike

    National Bank Card set me up, but didn’t give me the free processor that had been indicated in the ads. The one they gave me was not much different the Square, except it was much more bulky. Then to add insult to it, I woke up to find my first $5 monthly fee had come out of my account in the amount of $62. I only used their service once because the processing time was so slow. It took several days to make a test deposit.

    • Laz

      I just signed up with them. I will give 1 month to try it out. It sounds good but let’s see what’s gonna happen at the end of the month. If you have a sec you can send us an email what was wrong with them.

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