National Processing Solutions Review

Overview

Affiliation with Priority Payment Systems

National Processing Solutions (npsmerchant.com, npsaz.com) is a merchant account provider that appears to be a subsidiary, reseller, or DBA of Priority Payment Systems Phoenix. Priority Payment Systems is a national credit card processor that maintains a number of independent offices across the U.S., one of which is located in Phoenix. At the time of a previous update, the National Processing Solutions website bore the logo of Priority Payment Systems Phoenix and stated that National Processing Solutions is “powered by” Priority Payment Systems. Furthermore, National Processing Solutions is itself located in Phoenix. Although the exact nature of their relationship is unclear, the two companies are affiliated.

Location and Ownership

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., Walnut Creek, California; of Synovus Bank, Columbus, Georgia; and of BMO Harris Bank N.A., Chicago, Illinois. Erik Verryden is the president of National Processing Solutions, which 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

  • Sales & Marketing: National Processing Solutions appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • 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.
  • Rates & Fees: How Merchants Got The Best Rates With National Processing Solutions

National Processing Solutions Products and Services

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

Industries

  • Retail
  • Restaurant
  • Healthcare
  • B2B
  • Non-profit
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Sales & Marketing

Key Points - Sales & Marketing

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.

Response from National Processing Solutions

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National Processing Solutions Marketing Example

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
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.

Response from National Processing Solutions

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Complaints & Service

Key Points - Complaints & Service

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 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 merchant account provider for customer service.

Response from National Processing Solutions

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a

BBB

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 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. National Processing Solutions 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.

Response from National Processing Solutions

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National Processing Solutions Logo

National Processing Solutions Bottom Line

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.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

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