National Payment Processing Review: Fees, Complaints & Lawsuits

I own a small bakery and sought out the best rates for credit card processing. In our initial conversations, I found National Payment Processing very helpful and accommodating, being willing to work with me to get the rates and monthly fees down to where I needed them. Unfortunately, this did not last. Upon receiving the equipment (Clover Mini), I realized quickly that it did not have the features I needed to do basic functions in my business, like keeping track of what product I was selling. It was basically just a touch-screen calculator that I could swipe a card through. I learned that I would need to pay extra fees in order to have the basic functions I needed in order to keep track of my sales. I told them I would like to have equipment that allows me to do that at the rates we initially discussed. Then the confusion ensued. I spent hours on the phone with different customer service representatives, none of whom knew what was going on. I got conflicting messages every time I called, equipment that was heading my way and then randomly turned around part way here, finding out there was nothing they could do to wave the fees even though I had only signed up with them because of the lower fees I anticipated. The only time anything was accomplished was when I insisted on speaking to upper management, and even then I was promised phone calls I never received. After missing having the proper equipment for my grand opening with no end to the drama in sight, I decided to end my very short contract. The only decent thing they did was wave my cancellation fee. The one positive thing I can find myself to say is that they were polite and kept a level head as mine exploded every so often.
Only it keeps going. I was never informed of the proper way to return my equipment. I was told on the phone that a shipping label would be sent to me, so I waited. After a few weeks, I emailed asking how I could return their equipment, and heard nothing back. In the meantime, I was charged fees for December. I called, and got to an answering machine. I called again a bit later, and finally got through and learned it was my responsibility to return the equipment, and the closing process couldn’t really start until I had. This was never communicated to me, and I was promised a shipping label.
As a small business owner, I advise you run in the other direction. I do not think they are malicious or looking to screw anyone over – but they are definitely uninformed on their own products leading to misinformation and empty promises. If you are truly looking for the lowest rates, don’t look here.

This company fraudulently took about $100 per month out of my account for 6 months. I was never able to use their services because they would not give me a credit limit anywhere close to my minimum ticket and they refuse to give me a refund even though I never used their services. They make it hard to close your account and say they never got the paper work while they continue to deduct money out of your checking account for their monthly charges.

Here is the deal. Are they doing something illegal? Probably not but rest assured that this company does not give one damn about your business. This is evident in the difficulties in accessing a human for support, services or billing related questions. If you leave them early that will charge you a ridiculous amount for early termination. If you leave them after your contract has expired they will still hit you for another month in billing. I had charges of 76.90 every month even though I did not process a single credit card. If your looking for Merchant Services I would not look at them.

I had an account with NPP. The person who signed me up, never gave me a contract. I found out later he had signed my name (mispelled) and never returned it to me. this company held a sale of over $18,000. They said I didn’t have that much in my account to COVER it. Well, if they had deposited the money, it would have been there. They argued with me for almost a month and finally responded (paid 2-27) not in my bank on 3-7 yet!
I told them, at that time, about the man who and signed me into the company. They asked if I wanted the account stopped. NO ! I did not …until I had the money that was supposed to be in my account. I found a new credit card company and stopped doing business wiwth this one. BUT of course they still charged me at least $82.00 a month until I had returned their printer etc..(rightfully so) But they just closed my account on January 3rd 2013….Do not trust this company.

I used National Payment Processing for about a year through a local rep. Charges that were not supposed to show up (ie $24.90 per month for not meeting my minimum) were charged consistently. My rep would try to get them off my statement but if I did not constantly monitor the statemenst they were back again, and were never refunded in the first place. They also charged about $50 a month in compliance fees and “batch header” charges, even when no statement was sent. I finally cancelled them $250 “cancellation charge” which was never disclosed to me. It took me 6 weeks to get them to close my account national office said to call local office, local office never answered phones and would not return my call. Finally after six weeks I receive notification that account has been closed. Ohhh but not really, it takes 30 days to close the account, so add that onto the 6 weeks it took to get my account closed. I am now charged $79.40 for two months that I never used the processing and my account was “closed” plus a “standard” $250 closing fee. A total of $408 to get rid of them and over 13 hours on the phone. Run don’t walk away from them or any rep who reps this company. It would be easier and more ethical to deal with a loan shark. I called my local rep and asked her to do the right thing by refunding the $79.40 for the months no processing was done and the $250 for the “standard” fee which she never disclosed to me. Basically she said have a good life and I am out $400. Read the fine print, don’t take anything as standard..

I have a small business I use square, which I love, no contract, no compliance fee, I can take AmEx and I can use it on my phone when I am out of the office.

I would suggest not going with this company. I had their services for close to 4 years and it seems every other month there was an increase for this or that. I finally got fed up because of a $129 “compliance fee” that has been charged both in 2009 and 2010. I finally packed up the equipment, sent it back and canceled as of Jan. 31st. I still got charged for the month of February and officially was canceled as of Mar. 3rd. Unfortunately, I forgot that they had access to my bank account for automatic withdrawal. On March 31st they withdrew that $129 “compliance fee” and are trying to tell me that it was for 2010. These people need to be reported—-I would suggest that anyone currently doing business with them to watch their statements and bank account very closely!