National Payments Review: Fees, Complaints, Comparisons & Lawsuits

National Payments Logo
National Payments Rating
full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating

Agree with our rating?
Leave a comment below

image of a phone image of a phone that changes when your mouse hovers over it (1) 403-663-8886 View Pricing

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 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 payment processing

National Payments offers standard payment processing services

National Payments Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
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 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
Item Result
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
Item Result
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
Item Result
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.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did National Payments Treat You?

1 Responses

  • 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

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2023, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.