Home > Processor Research > National Payment Processing

What You Should Know About National Processing’s Fees & Support

Author:
Updated:
Maintained Since: August 17, 2010

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

National Payment Processing
Rating
C
3/5
full starfull starfull starempty starempty star
Leave User ReviewCompare Ratings

Pros

Supports digital transactions
Efficient transaction processing
Secure payments

Cons

Transaction delays possible
Potential service fees
Privacy concerns
Dependence on technology
Fraud risk

Overview

In this review of National Payment Processing (NPP), we take a closer look at the company’s role as a merchant account provider using Wells Fargo and Fiserv’s infrastructure. We cover their offerings, including mobile and in-store payment processing, online gateways, and Clover POS systems, as well as their use of EMV and NFC technology for secure, contactless payments. The review also highlights NPP’s background, customer support, fees, contract terms, and pricing transparency, along with pros and cons, client feedback, and legal issues such as the 2022 class action lawsuit. By the end, you’ll have a clear understanding of whether NPP is the right choice for your business.

About National Payment Processing

Screen Capture of National Payment Processing Homepage
National Payment Processing Homepage

National Payment Processing is a merchant account that uses Wells Fargo as its acquiring bank and supplies First Data (now Fiserv) processing equipment, it appears that National Payment Processing uses First Data (Fiserv) for its payment processing network. More accurately, multiple merchants report that the company is a reseller of iPayment (now Paysafe) which is itself an ISO of First Data (Fiserv). The company also promoted Clover for POS solutions.

Products & Merchant Services

Payment Processing

National Payment Processing offers payment and credit card processing for a wide range of business types. Their systems accommodate keyed-in transactions, virtual terminals, and credit/debit card processing. They also provide mobile payment processing and online payment gateways through platforms like (link unavailable), NMI, eProcessing Network, and Sage. Their point-of-sale (POS) and mobile payment systems include the Clover family products, such as the handheld Clover Flex, the phone-based Clover Go, and the tabletop Clover Mini and Clover Station. Traditional credit card swipers from Verifone and Ingenico are also available.

Mobile and Online Payment Processing

National Payment Processing (NPP) enables businesses to accept credit card transactions via smartphones or tablets with their mobile credit card processing services. They also provide online payment solutions for e-commerce stores, aiming to offer competitive rates for online credit card transactions.

Point-of-Sale and EMV/NFC Technology

NPP offers various point-of-sale (POS) options suitable for different business types, including retail stores, hair salons, restaurants, and coffee shops. Their systems support EMV chip technology and NFC (Near Field Communication) for contactless payments, including Apple Pay, Samsung Pay, Google Wallet, and Android Pay.

Clover POS Partnership

The company collaborates with Clover to deliver advanced POS processing solutions. They offer free terminal placement and emphasize Clover’s ability to support merchants through various stages of business growth.

Customer Reviews & Sentiment

Overview of Complaints

Exploration of various consumer protection websites reveals more than 30 critiques concerning National Payment Processing. Predominantly, these reviews express grievances regarding unforeseen or undisclosed fees, instances of fees being escalated without prior notification, disputes over billing practices, and dissatisfaction with the $129 annual PCI Compliance fee. Moreover, several reviews mention challenges encountered when attempting to terminate accounts. We invite you to contribute your experiences and reviews of National Payment Processing in the comments section below.

Customer Support Offerings

National Payment Processing maintains a commitment to customer support, offering both telephone and email assistance to its clientele. This support infrastructure aligns with the expected standard for highly esteemed merchant accounts, aimed at delivering exemplary customer service. Despite a complaint volume that is modest relative to its industry tenure and scale, recurring issues such as nondisclosure and unilateral rate adjustments have influenced its customer service rating to adjust to a “C”.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop1
BBB Rating1
Google Maps4.2
Average Rating2.6

PaymentPro Rating for National Payment Processing

Negative Feedback

I am very sorry for your experience with this Scam company! Thanks for informing the public about this corrupt company. Did you find a merchant service company that is trustworthy? This way me and others can use them instead of corrupt National Payment Processing.

Thanks!

Positive Feedback

There are no positive reviews published about National Payment Processing on the PaymentPop website.

National Payment Processing BBB Rating

The Better Business Bureau awards National Payment Processing an “A+” rating and reports that the company earned accreditation in May of 2011. National Payment Processing has a 1 out of 5 star rating based on 2 user reviews on the Better Business Bureau website.

What Merchants Say

National Payment Processing has also received 2 informal reviews to its profile, both of which are positive. A previous negative review described poor customer service:

This is the worst company I’ve ever done business with. They can’t be trusted and they will lie to you in order to get your business, but once they get you into their web you will never be able to get in touch with them. It’s like they disappeared from the face of the earth. What kind of “people “are capable of doing such a scheme? Only a bunch of crooks ??

Excellent customer service is essential to any successful merchant service provider’s relationship with a client. While this review is concerning in that respect, it should be noted that National Payment Processing reached out to this client via the BBB within 3 days of the review being left.

An “A” Performance

Given the company’s complaint total, resolution ratio, and the tone of the reviews left on its profile, we agree with the BBB’s score of “A” at this time.

Google Maps Rating for National Payment Processing

National Payment Processing has a 4.2 out of 5 star rating based on 50 user reviews on Google Maps.

Positive Feedback

Great customer service, fantastic rates and personal attention. NPP provides the latest technology coupled with the most reliable platform. Highly reccommended!

Negative Feedback

Bad experience. They don’t explain the cancellation fees in advance. They charge a lot of fees that they don’t tell you. And since they don’t tell you. They are considered scammers

Processing Rates & Fees

Flexible Pricing

National Payment Processing offers variable pricing for its merchant accounts, which depends on factors such as business type, processing volume, and account setup by the agent. While the company claims a month-to-month contract with no cancellation fee, multiple complaints indicate a termination fee ranging from $250 to $350. Additionally, National Payment Processing imposes a $129 annual PCI Compliance fee along with various monthly charges.

The company acts as a reseller of iPayment (now Paysafe), a subsidiary of First Data (Fiserv). Typically, First Data (Fiserv) contracts entail a multi-year commitment with an early termination fee of $495, a $19.95 monthly PCI compliance fee, and tiered pricing structures. Under these contracts, businesses processing up to $50,000 monthly are subject to swiped rates of 2.69% plus $0.19 and keyed-in rates of 3.69% plus $0.19. Monthly charges exceeding $50,000 incur swiped rates of 2.29% plus $0.19 and keyed-in rates of 3.29% plus $0.19. Moreover, these agreements often include non-cancellable, long-term equipment leases through First Data Global Leasing.

However, as a Paysafe/First Data (Fiserv) reseller, National Payment Processing retains the discretion to modify terms based on business size, type, and processing history. Given the limited transparency regarding the company’s fee structure, prospective clients should consult First Data (Fiserv) as a benchmark.

We recommend business owners to review our list of the top merchant services.

Virtual Terminal and Payment Gateway

In addition to its in-store payment processing services, National Payment Processing promotes its virtual terminal and payment gateway services on its website. However, specific pricing for these services is not disclosed. Additional charges such as gateway fees, technical support fees, batch fees, and extra transaction rates are typically applicable to these e-commerce services.

Reviewing Contract Terms

These fees align with those reported for other iPayment accounts and those outlined in an older version of the company’s merchant application. Prospective clients are strongly advised to scrutinize their National Payment Processing contract for potential annual service agreements, early termination penalties, and additional service fees. Presently, the company’s pricing appears to be on par with industry standards and not competitive with affordable merchant accounts.

Lawsuits & Legal History

In 2022, National Payment Processing Company (NPC) was the subject of a class-action lawsuit, underpinned by allegations of deceptive practices, concealed fees, and contractual breaches. The collective plaintiffs, encompassing a diverse group of small business owners and merchants, initiated legal action against NPC, critiquing the company for its opaque business practices. The accusations centered on NPC’s alleged lack of transparency regarding fees, imposition of excessive and undisclosed charges, and the surreptitious addition of unjustified fees to client accounts, purportedly resulting in financial detriment to the implicated businesses. For those inclined to explore alternatives to litigation against the company, it is recommended to consider lodging a report with appropriate regulatory entities.

Employee Reviews & Sales Practices

Outside Sales Team

National Payment Processing does not seem to use any misleading advertising or sales tactics in its official materials. The company appears to rely heavily on recruiting independent sales agents, resellers, and referral partners. There are also a couple of negative National Payment Processing reviews from clients claiming to have received telemarketing calls from the company, but it is unclear if these calls came from the company itself or from a reseller. This does not compare favorably to our list of best credit card processors.

Few Sales Complaints

Generally, heavy reliance on independent agents and resellers results in complaints of deceptive sales tactics. Although there is a lower-than-usual number of National Payment Processing complaints regarding this practice, most negative National Payment Processing reviews mention nondisclosure of contract terms and misrepresentation of rates. Clients especially mention the company’s large PCI Compliance fee (also called an “annual fee”) as a term that is inconsistently disclosed. If you suspect that there are hidden National Payment Processing fees lurking in your monthly bill from the company, we recommend seeking a third-party statement audit.

National Payment Processing Competitors

Compare National Payment Processing to competitors that earned top marks.

Host Merchant Services logo
Pricing
Helcim logo
Pricing
CDG logo
Pricing

Bottom Line

National Payment Processing (NPP) manages to secure a somewhat better standing than its provider, iPayment, in the realm of credit card processing. However, NPP’s overall rating is hampered by the presence of costly contractual terms and recurring grievances concerning deceptive sales tactics. These issues primarily involve unclear communication about pricing and fees, which have left many customers feeling misled. The substantial PCI Compliance fee also contributes negatively to NPP’s reputation and could be a pivotal point for potential improvement.

To enhance its standing within the industry, NPP could consider eliminating or reducing the PCI Compliance fee, which would align it more closely with best practices and improve merchant satisfaction. Additionally, addressing the root causes of the confusion related to fees and making a concerted effort to ensure transparency could help reduce customer complaints. Business owners looking into NPP are advised to diligently compare its service offerings and fee structures with those of the top-rated merchant accounts, which are generally known for their competitive pricing and clear, straightforward terms.

Read Actual User Reviews

See User ReviewsWrite a Review
All user reviews have been moved to our partner, PaymentPop.com

Contact National Payment Processing

Contact & Customer Support
PresidentNasser Showkat
Headquarters2389 W. March Lane, Suite 200, Stockton, California
Toll-Free Customer Support(800) 909‑2124
Fax Service(800) 566-8528
Additional Support ChannelsOnline support form
Websitehttps://www.nationalpaymentprocessing.com/