National Payments Review: Fees, Complaints, Comparisons & Lawsuits

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5
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How did they treat you? ▼

Payment Processing for Canadian Merchants

Founded in 2008, National Payments is a merchant account provider that serves most business types in Canada with a focus on the hospitality industry. The company is a reseller of Elavon‘s conventional countertop readers, Poynt smart terminals, and Bambora‘s payment software.

National Payments Payment Processing

National Payments processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, virtual terminals, e-commerce solutions, and B2B payments.

National Payments Location & Ownership

National Payments is headquartered at 305 10 Ave SE, Calgary, AB T2G 0W2, Canada, and is a registered ISO/MSP of the Canadian branch of U.S. Bank National Association and Elavon. Bob Dhillon is the founder and owner of National Payments, and Michael Strong is listed as the CEO.

National Payments payment processing

National Payments offers standard payment processing services

National Payments Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Almost No Public Complaints

We are currently unable to locate any National Payments reviews that accuse the company of being a ripoff or a scam. In fact, the credit card processor is not showing any reviews across all consumer protection websites. This seems to indicate that National Payments employs a proactive and available customer support team. We have found one complaint found in the comments section of this review that describes hard-to-reach and poor customer service. If you have your own National Payments review to make, please do so in the comments below.

National Payments Lawsuits

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

The National Payments website provides general phone and email contact information but does not list a dedicated customer support number.

We have located a single National Payments customer service number:

(1)-403-663-8886 – General Customer Service

National Payments also offers a dedicated email support address at [email protected] and a customer support form on its website.

We will award National Payments an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

National Payments Online Ratings

Here's How They Rate Online

Online Ratings Summary
Total Complaints 0
Resolved Complaints 0

Clean Complaint Record

National Payments has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2017. The company has not received any complaints in the past 3 years. It also has not received any informal reviews.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

National Payments Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

National Payments Contract Terms

There is no publicly available information about the standard National Payments contract at this time. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s partnership with Elavon means that it could offer long-term equipment leases through Ladco Global Leasing. We advise merchants to purchase rather than lease equipment whenever possible.

No Red Flags

The total absence of National Payments complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is difficult to assess at this time whether National Payments’ contract terms are competitive with the cheapest merchant accounts. We also encourage merchants to check out our list of the providers of the best merchant accounts.

National Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside/Outside Sales Team

National Payments appears to rely on a combination of independent resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any National Payments reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.

No Misleading Quotes

National Payments does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you are being charged undisclosed National Payments fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our National Payments Review Summary

Our Final Thoughts

A Reliable Option for Most Merchants

According to all available information, National Payments rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did National Payments Treat You?

1 User Reviews

  • Sylvie Law

    I tried to post a bad review for national payments and it was removed terrible experience needed a replacement machine they sent the wrong one it took 45 min to connect and still not done was told it was easy takes a couple minutes tried calling 3 times goes to voicemail left message 2 days ago still no one has called me back

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