From POS to E-Commerce: Inside National Processing Services

Based in Lindon, Utah, National Processing is a merchant account provider that specializes in ACH processing for small businesses. The company should not be confused with National Processing Company, National Payment Processing, or 1st National Processing, as it appears to have no affiliation with these similarly named providers.

Payment Processing

National Processing handles transactions for all major debit and credit cards as well as ACH payments.

POS Solutions

Point of Sale (POS) solutions are for businesses that conduct in-person transactions, offering a comprehensive system for managing sales, inventory, and customer data. These systems streamline the checkout process by supporting various payment methods, including credit cards, digital wallets, and contactless payments.

EMV Card Readers and Swipers

EMV card readers and swipers are for secure payment processing, offering protection against fraudulent transactions. These devices read the embedded chip in EMV cards, which provides a higher level of security compared to traditional magnetic stripe technology.

Mobile Payment Options

Mobile payment options give businesses the flexibility to accept payments on the go, meeting customers wherever they are. These solutions typically include portable card readers that connect to smartphones or tablets, allowing for quick and convenient transactions.

E-Commerce Solutions

E-commerce solutions are for businesses that operate online, providing the tools needed to manage an online store, process payments, and handle customer orders efficiently. These platforms offer features such as shopping cart integration, inventory management, and real-time analytics.

Access to a Payment Gateway and Virtual Terminals

Access to a payment gateway and virtual terminals is for businesses that need to process online and remote payments securely. A payment gateway acts as the intermediary between the customer’s payment method and the merchant’s bank, ensuring that transactions are processed efficiently and safely. Virtual terminals allow businesses to manually enter payment details for transactions conducted over the phone or via email.

QuickBooks Integration

QuickBooks integration is a feature that allows businesses to streamline their accounting processes by automatically syncing sales data with their QuickBooks accounts.

Fraud and Chargeback Protection

Fraud and chargeback protection are components of a secure payment processing system. These tools help businesses detect and prevent fraudulent transactions, reducing the risk of financial loss and protecting their reputation. Chargeback protection services provide businesses with the ability to manage disputes effectively, minimizing the impact of chargebacks on their bottom line.

Low Complaint Total

There are around eight negative National Processing reviews available. Some of these label the company as a scam or a ripoff. A notable complaint (detailed here) involves a client’s claim of withheld funds by National Processing, with an alleged involvement of iCheckGateway. The situation includes rebuttals and counterclaims by both parties, and the exact circumstances remain unclear. Other reported issues include sudden account cancellations, machine functionality concerns, delayed deposits, and customer service complaints. We invite you to add your National Processing experiences in the comments below.

Questionable Fund-Hold Situation

The specific details of the fund-hold complaint are ambiguous. The situation might involve an unintentional signup for a third-party gateway, leading to a fund-hold by iCheckGateway. Alternatively, it may be a case of policy adherence by iCheckGateway and miscommunication resulting in misplaced blame on National Processing. Without conclusive evidence, we cannot definitively judge National Processing’s role in this issue. The company’s responses to the complaint seem focused on denial rather than resolution, although supporting documentation indicates some level of engagement with the customer’s concerns.

National Processing Lawsuits

In 2019, National Processing was involved in a legal dispute with MiCamp Solutions, revolving around licensing and financial agreements. The lawsuit spanned two years and was eventually dismissed, though the final outcome for each party remains unclear. Clients seeking non-litigious means to address issues with National Processing are recommended to report them to relevant supervisory bodies.

National Processing Customer Support Options

National Processing provides various customer support channels, including phone and email, as listed on their website.