National Processing Solutions Review

National Processing Solutions Overview

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Note: According to the company’s website, National Processing Solutions has rebranded to NexGen Partner Strategies. The following review reflects all current data as of the date of this review. However, future updates will defer to our review for NexGen Partner Strategies.

A Community-Focused Payment Processor

National Processing Solutions is a merchant account provider that primarily serves food and beverage establishments, B2B and B2G merchants, and non-profit organizations. The company 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. Erik Verryden is the CEO of National Processing Solutions. The company is headquartered at 7010 E Chauncey Lane, Suite 235, Phoenix, Arizona. National Processing Solutions of Phoenix should not be confused with the National Processing Solutions found in Dayton, Ohio. 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 (As NexGen Partner Strategies) has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2004.
  • 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
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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%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Restaurant Merchant Monthly Fee $100 Per Month
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

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.

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.

Level 3 Processing Services

In addition to its traditional merchant services, ClearMerchant also advertises that it provides level 3 processing for b2b and b2g transactions. Level 2 and level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for b2b and b2g purchases that utilize corporate credit cards.

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 Customer 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 0 complaints in the past 36 months. 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.

NPS Gives

The company promotes its non-profit funding division called NPS Gives. Merchants are provided the opportunity to enroll in the program and allocate 20% of their transaction fees to be managed by the company to support charitable causes. Those funds are invested in non-profit organizations benefiting a wide range of causes.

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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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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

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