National Debit Card Network Review: Fees, Complaints & Lawsuits

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National Debit Card Network
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National Debit Card Network

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Note: As of September 2021, the BBB has made a note that they believe this company to be closed. However, their website is still functioning. We will update this page with more information when we uncover it.

A Subsidiary of The Federated Group

Founded in 2013, National Debit Card Network is a merchant account provider that provides services to merchants in the U.S. and Canada. National Debit Card Network is a subsidiary of The Federated Group, a network of payment processing companies that includes Federated Payments, Volt Payments, MSI Canada, U.S. Bankcard Center, and Wholesale Merchant Services Canada. Federated was acquired by EVO Payments International in October of 2018, but at this time it is unclear how the acquisition will affect National Debit Card Network. As of this update, the website for Volt Payments does not appear to be active. We speculate the company may no longer be in operation.

National Debit Card Network Payment Processing

National Debit Card Network processes most major debit and credit cards for most business types. Their services include 24/7 customer support, membership to a small business discount and resource network, gift and loyalty solutions, cash advances, training and setup, secure PCI-compliant POS equipment, EBT certification, mobile solutions through AcceptPro, virtual terminals and extensive online payment solutions, and MOTO payments.

National Debit Card Network Location and Ownership

National Debit Card Network is a registered ISO/MSP of Deutsche Bank AG, New York, and shares its headquarters with Federated Payments at One Huntington Quadrangle 4th Floor, Melville, New York 11747. The National Debit Card Network website does not disclose the identities of its executive leadership team, but the only author to have posted on the previous site’s blog is Greg Slote, the vice president of marketing and corporate communications at Federated Payments. An Irene Marmott is also listed online as president of National Debit Card Network. There are also multiple complaints from former employees who state that Volt Payments, Federated Payments, and National Debit Card Network share the same office space and executive leadership. It therefore seems very likely that the two companies share at least some employees, offices, and resources.

National Debit Card Network Review Table of Contents

  • Costs & Contract: National Debit Card Network appears to offer a three-year contract with an early termination fee of up to $395.
  • Complaints & Service: National Debit Card Network complaints number more than 10 on public complaints forums.
  • BBB Rating: National Debit Card Network has no rating with the BBB and has received 0 complaints and 0 reviews in the past 3 years. The company is not accredited by the Better Business Bureau but previously was since 2016.
  • Sales & Marketing: National Debit Card Network hires independent sales agents and has received some complaints about its sales practices.
National Debit Card Network payment processing

National Debit Card Network offers standard payment processing services

Should You Trust National Debit Card Network?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Sales Tactics

Low Complaint Total

We are currently able to locate more than 10 negative National Debit Card Network reviews, and some of these complaints directly accuse the company of being a scam or a ripoff. These National Debit Card Network complaints have been posted by both merchants and former employees of the company, and they describe unethical sales tactics, expensive fees, undisclosed contract terms, insufficient payment, and an unprofessional work environment. The available merchant complaints mention rude and aggressive sales tactics, undisclosed fees, and difficulty canceling service. If you have your own National Debit Card Network review to make, please do so below.

National Debit Card Network Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against National Debit Card Network. 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 Debit Card Network Customer Service Options

National Debit Card Network offers 24/7/365 phone support. National Debit Card Network has received a low-to-moderate amount of complaints overall, but its affiliation with Federated Payments indicates that these complaints may result from intentional, systemic issues.

We have located a single National Debit Card Network customer service number:

(877) 738-7424 – Toll-Free Customer Service

National Debit Card Network also offers a customer support form on its website and a customer service email at [email protected]

This has lowered the company’s grade in this section to a “C” and ruled it out as a top payment processor for customer service.

Is the BBB Rating for National Debit Card Network Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Total Complaints
Resolved Complaints

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.

Low Complaint Total

National Debit Card Network currently has no rating with the Better Business Bureau and is not accredited, though it previously held an “A+” rating and was accredited since January 2016. The company has received 0 complaints in the last 3 years. As of a previous update, National Debit Card Network had received 3 total complaints to its BBB profile, with all 3 related product or service issues. All 3 either were resolved to the merchant’s dissatisfaction or did not receive a final response from the complainant.

A “B” Performance Overall

Considering National Debit Card Network’s complaint total and efforts toward resolution, we have slightly adjusted the BBB’s grade to a “B.”

How Expensive is National Debit Card Network Service?

Rates, Fees, and Contract Terms

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Cost Summary

Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms
48 Month (locked)

Long-Term Contract

National Debit Card Network does not advertise any specific pricing or contract terms on its website. However, there is one very detailed National Debit Card Network complaint from a former employee that lists the company’s fees as of July 2014. This employee states that the standard National Debit Card Network fees and contract involve a 3-5 year agreement with automatic renewal for one-year terms, an early termination fee in excess of $395, a variable monthly minimum fee, a variable annual fee, a PCI compliance fee between $80 and $200, and tiered pricing. The former employee also states that National Debit Card Network’s standard quote sheet presented at the time of sale usually omits a number of standard fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, National Debit Card Network also dedicates a portion of its website to advertising its virtual terminal and payment gateway services through Safepay. However, pricing is not disclosed on either of those services. These services incorporate cardholder authentication programs MasterCard SecureCode and Verified by Visa. Additional National Debit Card Network rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Beware Equipment Leases

We have also located another complaint from an employee who states that merchants earn a commission off of long-term equipment leases through National Debit Card Network. Merchants are encouraged to purchase the equipment outright whenever possible rather than lease it. We encourage merchants to check out our list of the providers of the best merchant services.

Consistent With Other Reports

The reported terms of the National Debit Card Network contract do not differ in any significant way from the reported terms of a Federated Payments contract. We will assign National Debit Card Network a “C” rating in this section, and we do not consider the company to be a budget-friendly credit card processor at this time.

National Debit Card Network eCommerce

National Debit Card Network advertises extensive solutions in the eCommerce area

Does National Debit Card Network Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

Outside Sales Team

Like Federated Payments, National Debit Card Network appears to employ a combination of telephone appointment setters and independently contracted outside sales agents to market its services. This combination is usually responsible for elevated complaint totals within the credit card industry. National Debit Card Network is no different, as we are currently able to locate more than 10 National Debit Card Network reviews that describe conditions similar to a standard industry “hiring mill.” This does not compare favorably to our list of best credit card processors.

Employee Complaints

The overwhelming majority of these National Debit Card Network complaints have been posted by former employees of National Debit Card Network and Volt Payments. Here is an excerpt from one such National Debit Card Network complaint:

ATTENTION – Volt Payments, and National Debit Card Network, is a scam. These two companies are just a new façade for Federated Payment Systems, ran by Jon Levitt and Scott Avery. This is another pathetic attempt to hide from a disgusting reputation.

Federated Payments has 5 other company names on its doors. All in an attempt to defraud merchants and sales people. They will even go so low as to contact businesses who previously had accounts with Federated Payments and try to rekindle relationships under a different name. The tactic is simple: Federated Payments will close a merchant’s account. Either because the merchant gets fed-up with the lies or poor service, or Federated closes the account intentionally. They then charge a cancellation fee, and then pitch the very same merchant, but under a different name. Just look at the websites – all located at 2 Huntington Quad, 3rd Floor.

They do the same thing with sales people. They will send out mass emails to everyone who has ever worked for them, but under a different company name such as Volt Payments or National Debit Card Network and try to fool these sales people into selling for them again.

We can independently confirm that National Debit Card Network and Volt Payments were aggressively advertising sales positions on job search websites previously. These job listings do not mention the companies’ affiliations with each other or with Federated Payments. Similarly, the companies’ websites do not acknowledge that they are tied to one another despite the fact that they are all listed at the same address.

Other Sales Complaints

Other employee complaints mention an unprofessional work environment, poor employee support, bad leads, and delayed payouts. Employee complaints do not reflect positively on any company, and Federated Payments already has a negative reputation when it comes to its sales and marketing tactics. These factors incline us to assign National Debit Card Network a “C” in this section. If you suspect that National Debit Card Network is charging you undisclosed fees, we recommend seeking a third-party statement audit.

Does National Debit Card Network Deserve Your Business?

Review Summary & Our Thoughts

An Average Provider for Most Businesses

National Debit Card Network rates as an average merchant services provider according to our rating criteria. There is little reason to believe that the company’s sales practices, pricing, contract terms, or even its staff differ significantly from those of Federated Payments and Volt Payments. Merchants should be sure to compare the company’s contract terms to those offered by top-rated all-purpose providers.

Customer & Employee Reviews

What Others Are Saying About National Debit Card Network

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Phillip Parker
Credit Card Processors
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