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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.
Other Aliases and Partners
Based on phone calls to agents and online research, it appears that National Payment Processing may be affiliated with, or connected to, a few other credit card processing companies that may also just be its DBAs. The company may also have once been called 1st National Payment Processing, but there are at least two other companies that continue to use this name. Additionally, National Payment Processing may have a business relationship with Titan Merchant Services and Spectrum Merchant Services, but the exact details of these relationships are also unclear. An agent of the company claimed that Titan was National Payment Processing’s processor. Upon closer inspection, though, it looks as though Titan is an independent agent office or sub-ISO.
The company may also be affiliated with the following websites, most of which are no longer active:
National Payment Processing Payment Processing
National Payment Processing appears to offer payment processing and credit card processing for most business types. Their systems support keyed-in transactions, virtual terminals, and credit/debit card processing. They also offer mobile payment processing and online payment gateways through a variety of platforms, including Authorize.net, NMI, eProcessing Network, Sage, and many more. They offer point-of-sale (POS) and mobile payment systems in the Clover family, including the handheld Clover Flex, the phone-based Clover Go, and the tabletop Clover Mini and Clover Station. They also offer traditional credit card swipers from Verifone and Ingenico.
Customizable Point-of-Sale Systems
National Payment Processing offers customizable point-of-sale (POS) systems designed to meet the needs of various industries, including retail, hospitality, and healthcare. These systems aim to be user-friendly and come with features such as inventory management and integration with accounting software.
Mobile Payment Processing
The mobile payment processing service provided by National Payment Processing enables businesses to accept payments using a smartphone or tablet. This feature can be especially useful for businesses operating outside traditional brick-and-mortar settings or those looking to offer more convenient payment options for their customers.
E-Commerce Payment Gateway Integration
National Payment Processing’s e-commerce payment gateway integration is designed to give businesses a seamless online payment experience. The company claims to provide easy integration with popular shopping carts and e-commerce platforms, streamlining the online transaction process for businesses.
Virtual Terminal Services
National Payment Processing offers a virtual terminal service for processing phone and mail orders. This service enables businesses to handle remote transactions securely through an internet-connected device, providing a solution for businesses that need to process payments without a physical card reader.
Security Measures and Fraud Prevention
National Payment Processing prioritizes security and fraud prevention by adhering to industry standards such as PCI compliance and implementing advanced security measures. This approach helps protect sensitive data and minimize the risk of fraud, ensuring a secure transaction process for both businesses and their customers.
Location & Ownership
The company is headquartered at 2389 W. March Lane, Suite 200, Stockton, California. National Payment Processing is a registered ISO of PNC Bank, N.A., Pittsburgh, PA – Member FDIC; Wells Fargo Bank N.A., Concord, CA; Deutsche Bank, USA; Merrick Bank, South Jordan, UT; Woodforest National Bank, Houston, TX. The company looks to have opened its doors in 2003, but other details about its operations are difficult to obtain. Nasser Showkat is listed as the president of the company
Table of Contents
- Costs & Contract: Appears to offer a 3-year contract with an early termination fee ranging from $250 to $350. The company also…
- Complaints & Service: Complaints number more than 30 on…
- BBB Rating: Has an “A+” rating and has received 0 complaints and 2 reviews in the past three years. The company has been…
- Sales & Marketing: Appears to hire independent sales representatives and has…
National Payment Processing Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
Moderate Complaint Total
There are over 30 negative National Payment Processing reviews filed on this and other consumer protection websites. Most of the National Payment Processing complaints from merchants report unexpected or hidden fees, fees being increased without notice, improper billing, and discontent over the $129 annual PCI Compliance fee. A couple of reports also indicate difficulty with canceling accounts. If you have your own National Payment Processing review to make, please do so in the comments below.
National Payment Processing Lawsuits and Fines
A 2022 class-action lawsuit against National Processing Company (NPC) involved a legal case involving allegations of deceptive practices, hidden fees, and breach of contract. The plaintiffs, consisting of numerous small business owners and merchants, sued NPC, a payment processing company, claiming that the company engaged in misleading business practices.
The plaintiffs accused NPC of not being transparent about their fees and charging excessive and undisclosed fees for their services. They claimed that NPC had concealed important information and added unwarranted charges to their accounts, leading to financial losses for the affected businesses.
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 Payment Processing Customer Support Options
National Payment Processing offers live phone support and email support for all of its clients, which is a level of service we expect from top-rated merchant accounts for great customer service. Although the company’s complaint total is not especially large for its size and time in business, the consistent reports of nondisclosure and rate increases have lowered its score to a “C” in this category.
National Payment Processing Customer Service Numbers
- (800) 909‑2124 – Toll-Free Customer Support
- (800) 566-8528 – Fax
Other Support Options
- Customer support form
- Customer service email address at [email protected]
National Payment Processing BBB Rating and Report
Our Better Business Bureau Profile Assessment
The Better Business Bureau awards National Payment Processing an “A+” rating and reports that the company earned accreditation in May of 2011.
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.
National Payment Processing Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
Monthly & Annual Fees
National Payment Processing rates for a merchant account appear to vary based on a number of factors, including business type, processing volume, and the agent setting up the account. A representative of the company claimed that the service contract is month-to-month with no cancellation fee; however, we located more than one client complaint stating that the company charges a $250 to $350 termination fee for canceling service. National Payment Processing also appears to charge a $129 annual PCI Compliance fee in addition to several other monthly fees.
The company is a reseller of iPayment (now Paysafe), who are in turn a First Data (Fiserv) ISO. Merchants should be aware a typical First Data (Fiserv) agreement is a multi-year contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Businesses that process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Clients whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. These contracts also include non-cancellable, long-term equipment leases through First Data Global Leasing.
However, as a reseller of Paysafe/First Data (Fiserv) services, National Payment Processing does have the freedom to alter these terms depending on a business’ size, business type, and processing history. With a lack of readily available information on the company’s rate and fee structure, business owners considering its services should refer to First Data (Fiserv) as a point of reference.
We encourage business owners to check out our list of the providers of the best merchant services.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, National Payment Processing 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 rates and National Payment Processing fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
National Payment Processing Contract Documents
These costs are consistent with those reported for other iPayment accounts and those found in an older copy of the company’s merchant application. Potential clients are strongly encouraged to read their National Payment Processing contract to uncover possible annual service agreements, early termination penalties, and additional service charges. For now, the company’s pricing appears to be average for the industry and not competitive with budget-friendly merchant accounts
National Payment Processing Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
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Uses Independent Resellers
Discloses All Important Terms
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 merchants 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 Review Summary
Our Final Thoughts and Opinions
Although National Payment Processing rates better than its apparent credit card processing provider than iPayment, the company’s rating still suffers from expensive contract terms and complaints about deceptive sales practices. NPP can improve its rating by eliminating its PCI Compliance fee and reducing complaints regarding confusion over pricing and fees. Business owners are encouraged to compare the company’s pricing to that offered by top-rated merchant accounts.
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