National Card Solutions 2023: Reviews & Complaints
Note: As of 2022, the website for National Card Solutions is down. We believe the company is out of business. (https://editorialrm.com/) We will no longer be updating this profile.
An Organization With Many Names
Headquartered in Sacramento, California, National Card Solutions is a merchant account provider that serves standard-risk business types across the United States. National Card Solutions appears to share ownership or to be otherwise affiliated with three other credit card processors called Performance Merchant Alliance, United Card Solutions, and Direct Processors. All four companies have similar websites and promotional language, and all four appear to be represented by Jeff Easter, an online reputation management specialist.
Merchant account provider reviews reflect that National Card Solutions is a DBA of Prestige Payment Systems. That affiliation would explain the company’s connection to Easter, as Prestige Payment Systems is ripe with negative reviews and allegations of unethical business practices among merchants. United Card Solutions and Direct Processors are also both confirmed DBAs of Prestige Payment Systems.
Our own independent research has revealed a number of potential links between Performance Merchant Alliance, Prestige Payment Systems, and a company called National Paymentech. Merchants are advised to inquire as to whether National Card Solutions has any previous or current affiliation with Prestige Payment Systems, and specifically what Jeff Easter’s role is in all of the companies that have been identified in this review.
National Card Solutions Payment Processing
Prestige Payment Systems appears to process most major debit and credit cards. Their website gives little info on what exactly services they offer, but if the websites of their DBAs are any indication, we can assume that the company offers POS solutions including mobile readers and countertop terminals, e-commerce solutions, telephone payments through a virtual terminal, PCI compliance, EMV, and gift card options for merchants.
The Jeff Easter Connection
It is unclear at this time whether Jeff Easter is the owner of these companies, an employee of these companies, or a PR representative hired by these companies, but he is listed as the primary contact in three separate press releases about each organization. The Better Business Bureau also lists him as the principal of Performance Merchant Alliance. We have found some evidence that National Card Solutions was at one point partnered with BlueSquare Resolutions.
Location & Ownership
National Card Solutions is a reseller of First Data (now Fiserv) products and services through i3 Verticals, LLC, and therefore utilizes Wells Fargo as its acquiring bank. National Card Solutions appears to have been launched in August 2015 and is located at 111 SW 5th Ave #2675, Portland, OR 97204.
Table of Contents
- Costs & Contract: Resells three-year agreements with First Data (Fiserv) that include…
- Complaints & Service: Complaints number more than 25 on…
- BBB Rating: Has no rating with the Better Business Bureau and has received 0 complaints and 0 reviews in…
- Sales & Marketing: Does not appear to hire independently contracted agents but has…
National Card Solutions Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||25+|
|Live Customer Support||Yes|
|Most Common Complaint||Sales Tactics|
Over 25 Complaints
We are currently able to locate over 25 negative National Card Solutions reviews, some of which state that the company is a scam or a ripoff. Common complaints center around misrepresentation of rates, nondisclosure of contract terms, exorbitant leasing costs, and poor customer service. Many of the National Card Solutions complaints refer to a sales agent named Jon Erickson, but it’s unclear what his role is at National Card Solutions. National Card Solutions has received fewer complaints than United Card Solutions and Direct Processors, but the complaints have been tonally similar to those other companies and have been posted at a steady rate. If you have your own National Card Solutions review to make, please do so in the comments below.
National Card Solutions Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against National Card Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
National Card Solutions Customer Service Options
We have assigned National Card Solutions a “D” rating in this section due to the fact that there may be no substantive difference between the service provided by National Card Solutions and the service provided by its related companies.
We have located a single National Card Solutions customer service number:
(844) 838-3091 – Toll-Free General Customer Service
National Card Solutions also offers a customer support form on its website.
The National Card Solutions website states that the company offers 24/7 customer support by phone, but this number does not appear to do a good job of resolving merchant issues in-house. We therefore do not consider National Card Solutions to be a top-rated merchant account provider for customer service.
National Card Solutions Online Ratings
Here's How They Rate Online
Online Ratings Summary
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.
A Clean Profile
National Card Solutions currently has no rating with the Better Business Bureau and is not BBB-accredited. The company has received 0 complaints in the last 36 months. Previously the company had received 2 complaints: 1 complaint related to product or service problems and 1 other related to an advertising or sales issue. National Card Solutions has responded to both complaints, however, the complaints were not resolved to the merchant’s satisfaction or did not receive a final response from the merchant.
What Merchants Say
National Card Solutions has also received 1 informal negative review previously. The review warns merchants considering the company not to trust them:
No, do not trust these people. You will be disappointed. There is nothing up and up about them.
It appears that this merchant may benefit from taking the proper steps to find a reputable service provider.
A “D” Performance Overall
In light of the company’s complaint total, resolution efforts, and corporate affiliations, we have adjusted the company’s rating to a “D” at this time.
National Card Solutions Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||3.25% + $0.09|
|Keyed-in Rate||3.25% + $0.09|
|Virtual Terminal Rate||Up to 2.90% + $0.30|
|Payment Gateway Fee||None|
|Payeezy Pro Plan Fee||$19.95 Per Month|
|Annual Fee||Up to $197|
|Helpdesk Fee||$15 Per Month|
|Inactivity Fee||$99+ Per Month|
|PCI Compliance Fee||$150 Per Year|
|Early Termination Fee||$250|
|Equipment Lease Costs||Up to $77 Per Month|
|Equipment Lease Terms||48 Month (locked)|
Information on National Card Solutions’ pricing structure is sparse. The company’s website offers little insight into the company’s rates and fees despite offering several different First Data (Fiserv) program guides as a point of reference. Since National Card Solutions is a DBA of Presti[pge Payments, this review will rely on information from its pricing structure.
Prestige Payment Systems offers three-tiered pricing for qualified, mid-qualified, and non-qualified merchants with rates as high as 3.25% plus $0.09. The agreement includes a PCI compliance fee of $150, which is billed annually. Merchant reviews reflect other fees from these contracts, including a $50 annual fee, a $15 monthly “help desk” fee, and a $10 monthly statement fee. Some merchant complaints state that the company’s standard early termination fee is $250.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, National Card Solutions also dedicates a portion of its website to advertising its virtual terminal and payment gateway. The company utilizes Payeezy, the First Data (Fiserv) payment gateway, for its e-commerce platform. Payeezy offers two types of plans to merchants, the Basic Plan and the Pro Plan. The Basic Plan charges no gateway fee but imposes a rate of 2.90% plus $0.30 per transaction. The Pro Plan charges a gateway fee of $19.95 per month but a transaction rate of 1.89% plus $0.23.
Beware Equipment Leases
National Card Solutions, like Prestige Payments, also appears to lease terminals through First Data Global Leasing, which typically offers 48-month, non-cancellable leases that cost up to $77 per month. As a general rule, we do not advise merchants to enter into contracts that include long-term, non-cancellable equipment leases. This is because most credit card processing equipment can be purchased in full for a one-time cost of under $500, while most equipment leases cost thousands of dollars over four years. Accordingly, we do not consider the company’s contract terms to be even remotely competitive with the cheapest merchant accounts available.
Many Merchant Complaints
The complaints that National Card Solutions and its affiliated businesses have received serve as testaments to the low value of these leases. We have accordingly lowered our grade for National Card Solutions in this section to a “D.” See the National Card Solutions/BlueSquare Resolutions Program Guide, the National Card Solutions/First Data Program Guide, or the National Card Solutions/i3 Verticals Program Guide. We also encourage merchants to check out our list of the providers of the best merchant accounts.
National Card Solutions Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
Heavy on Telemarketing
National Card Solutions appears to utilize telemarketing and an in-house sales team to market its service. The company does not appear to utilize independently contracted sales agents, but we have found a low-to-moderate number of negative National Card Solutions reviews that mention misrepresented fees and undisclosed contract terms. A specific sales agent is named in most of these National Card Solutions complaints, but the issue may not be confined to him. The number of these complaints has risen steadily since we first published this National Card Solutions review and is above average for a company that is this new to the industry. This does not compare favorably to our list of best credit card processors.
Similar to United Card Solutions
United Card Solutions, a Portland, Oregon-based company that appears to be related to National Card Solutions, has received a high number of complaints regarding nondisclosure or misrepresentation by sales agents. It is unclear at this time whether United Card Solutions employs a different sales team or offers different contract terms than National Card Solutions, but the similarities in complaints suggest that the two companies may follow similar sales strategies. If you are concerned that National Card Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit.
An Insider Account
According to an email we have received from a former employee, National Card Solutions trains its agents to tell business owners that their equipment lease from First Data (Fiserv) is actually a program fee to cover the cost of processing and that their rates will be 0% for PIN debit transactions and 1% for standard credit card transactions with no interchange on top. These rates are unrealistically low and highly misleading. This informant states that the “program fee” can ultimately cost anywhere from $59 to $399 per month as part of a 48-month, non-cancellable equipment lease. This is an increasingly common tactic we have seen among some poorly rated providers, and it will lower the company’s score further if similar reports continue to come in.
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