National Processing Solutions Review

National Processing Solutions Overview

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A Community-Focused Payment Processor

National Processing Solutions (npsmerchant.com, npsaz.com) is a merchant account provider that primarily serves food and beverage establishments, B2B and B2G merchants, and non-profit organizations. When merchants sign up for the company’s ‘NPS Gives’ program, National Processing Solutions donates 20% of the proceeds from every credit and debit card transaction to a non-profit organization of the merchant’s choice. Erik Verryden, the CEO of National Processing Solutions, appears to be transitioning the brand to NexGen Partner Strategies, an organization that offers payment processing, payroll services, working capital, and business protection under one umbrella. At this time, however, the company appears to continue to board merchants under the National Processing Solutions name. National Processing Solutions appears to be a subsidiary, reseller, or DBA of Priority Payment Systems Phoenix.

Headquartered in Phoenix, Arizona

National Processing Solutions does not list its acquiring bank, but Priority Payment Systems Phoenix is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California; of Synovus Bank, Columbus, Georgia; and of BMO Harris Bank N.A., Chicago, Illinois. The company is headquartered at 7010 E Chauncey Lane, Suite 235, Phoenix, Arizona 85054. National Processing Solutions of Phoenix should not be confused with the National Processing Solutions found in Dayton, Ohio (gonps.com). The two companies should be regarded as entirely separate entities.

National Processing Solutions Review Table of Contents

  • Costs & Contract: National Processing Solutions appears to offer contract terms that will vary depending on each merchant’s business type and processing history.
  • Complaints & Service: National Processing Solutions has received fewer than 10 public complaints.
  • BBB Rating: National Processing Solutions has an “A+” rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Sales & Marketing: National Processing Solutions appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With National Processing Solutions

National Processing Solutions Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • ACH processing
  • QuickBooks integration
  • Inventory management
  • Recurring billing
  • Merchant cash advance

Types of Businesses Served

  • Retail
  • Restaurant
  • Healthcare
  • B2B
  • Non-profit

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National Processing Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Restaurant Merchant Monthly Fee $100/mo
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Pricing Depends on Business Type

There is not a lot of publicly available information about the standard National Processing Solutions contract. The company does not disclose its average contract length or typical rates. This is likely because National Processing Solutions customizes its pricing and fees for each business type. For instance, the National Processing Solutions website advertises a flat fee plan for restaurants that charges $100 per month plus interchange and pre-negotiated flat fees without any PCI compliance fees or annual fees. Meanwhile, the company pitches B2B and B2G merchants on its ability to offer Level III interchange pricing on each transaction. These factors suggest that National Processing Solutions bases its contract terms on each merchant’s business type, processing history, and sales volume.

No Contract Complaints

This approach is preferable to Priority Payment Systems’s standard contract, which typically includes a three-year term with a variable early termination fee. We have not found any complaints about National Processing Solutions’s contract terms, so it appears that most of the company’s merchants are satisfied. As of now it is unclear how competitive National Processing Solutions’s contract terms are compared to the cheapest merchant accounts. If you have any specific knowledge of the standard National Processing Solutions contract, please share that information in the comment section below this review.

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Response from National Processing Solutions

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National Processing Solutions Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate any negative National Processing Solutions reviews at this time, which is a positive indication that the company is not a ripoff or a scam. National Processing Solutions’s clean complaint record is especially impressive due to the middling reputation that Priority Payment Systems has earned among merchants, although Priority Payment Systems Phoenix doesn’t appear to have received any merchant complaints either.

National Processing Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against National Processing Solutions. 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 Processing Solutions Support Options

In general, National Processing Solutions appears to be partnered with number of Phoenix-area organizations and to take its reputation within the community seriously. The company offers phone and email support to its merchants, but these channels are not enough to qualify it as a top-rated payment processor for customer service.

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Response from National Processing Solutions

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National Processing Solutions BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

National Processing Solutions (as NexGen Partner Strategies) currently has an “A+” rating with the Better Business Bureau and has been accredited since 2004. The company has received zero complaints in the past three years. The company also has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

In light of the company’s clean complaint record, we agree with the BBB’s rating. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Response from National Processing Solutions

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

No Sales Complaints

National Processing Solutions utilizes ISOs, independent sales agents, referral agreements, and strategic partnerships to market its services. The use of independent resellers is commonly tied to high complaint rates within the credit card industry, but National Processing Solutions appears to be an exception. We are unable to locate any National Processing Solutions complaints that describe deceptive rate quoting or nondisclosure of terms by the company’s sales agents.

No Misleading Rate Quotes

In addition, there are no instances of “teaser” rates or unrealistic guarantees on the National Processing Solutions website. These factors indicate that National Processing Solutions breaks from the precedent established by Priority Payment Systems and offers a transparent, courteous sales experience. However, if you suspect that National Processing Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

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Response from National Processing Solutions

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National Processing Solutions Marketing Example

National Processing Solutions Logo

Our Opinion of National Processing Solutions

An Above-Average Option

National Processing Solutions rates as a reliable merchant services provider according to all available information. The company has not received any public complaints and appears to offer custom pricing for each merchant. Even when dealing with companies that rate highly by our standards, we encourage merchants to carefully examine the terms of any contract they are given and to compare its pricing to the top overall credit card processors. Our rating may be subject to change as we receive more merchant feedback about the company.

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Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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