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National Payments Review: Fees, Complaints, Comparisons & Lawsuits
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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. (https://wbctx.com) Bob Dhillon is the founder and owner of National Payments, and Michael Strong is listed as the CEO.
National Payments Review Table of Contents
- Costs & Contract: National Payments offers variable contract terms depending on each merchant’s business type, size, and processing history.
- Complaints & Service: National Payments complaints number fewer than 10 on public complaints forums.
- BBB Rating: National Payments currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
- Sales & Marketing: National Payments hires independent sales agents but has not received any complaints about its sales practices.
National Payments Customer Reviews
Here's What Their Clients Say
|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@example.com 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
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
|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?
|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.
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