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National Processing 2023: Reviews & Complaints
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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.
Before we dive in, here’s a short summary of what we’ll cover:
- National Processing’s various payment processing services.
- The company has not received a large number of complaints, but there have been some recent concerning reviews in our comment section below.
- The National Processing contract contains some potentially expensive fees.
National Processing Payment Processing
National Processing processes all major debit and credit cards as well as ACH payments. Their services include POS solutions, EMV card readers and swipers, ACH processing, mobile solutions, e-commerce solutions, access to a payment gateway and virtual terminals, QuickBooks integration, and fraud and chargeback protection.
Location & Ownership
National Processing is a registered ISO/MSP of Avidia Bank, Chesapeake Bank, Kilmarnock, VA. The company has its headquarters at 898 N 1200 W Orem, UT 84057. Wayne Hamilton is the founder and CEO of National Processing.
Table of Contents
- Costs & Contract: Appears to offer variable contract terms with…
- Complaints & Service: Has received fewer than 10 public complaints regarding…
- BBB Rating: Currently has an “A+” rating with the Better Business Bureau and has…
- Sales & Marketing: Does not appear to hire independent sales representatives and has…
National Processing Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
We have approximately eight negative National Processing reviews, and some of these complaints explicitly refer to the company as a scam or a ripoff. In one case (found here), the client claims that National Processing has refused to deliver funds totaling $14,013.50 to the merchant. According to the client, National Processing stated that the funds were being held by a third party called iCheckGateway, and that National Processing did not have the funds in question. To support this claim, National Processing filed a rebuttal stating that it has not ever received funds from the merchant. The client then responded to this rebuttal by including documentation supporting their claim that National Processing was serving as the company’s processor. The client’s second post received a second denial. Other complaints filed against the company describe sudden account cancellation, poor machine functionality, untimely deposits, and poor customer service. Other such reviews have popped up recently on this profile. If you have your own National Processing review to make, please do so in the comments below.
Questionable Fund-Hold Situation
The details of the above complaint are unclear. If the complainant is correct, then National Processing appears to have signed them up for a third-party gateway without their knowledge, resulting in a fund-hold by iCheckGateway and no clear way for the company to recover their funds. On the other hand, it could be that the company’s very large sum was held in accordance with iCheckGateway’s policy, and the lack of communication from iCheckGateway has resulted in National Processing wrongfully taking the blame for the situation. Without any way to verify the exact facts of the case, we will refrain from penalizing National Processing too harshly for this complaint. It should be noted, though, that the company’s rebuttal to the business’s post seems more interested in denying culpability than in finding a solution for the situatoin. In addition, the business’s supporting documentation indicates that National Processing was at the very least in communication with the business over the issue but could not resolve the problem in a timely fashion.
National Processing Lawsuits
In 2019, National Processing entered into a lengthy lawsuit with MiCamp Solutions. The lawsuit dealt with MiCamp licensing part of National Processing’s portfolio and money that was supposed to be paid under certain circumstances back to National Processing. The two companies sued each other for two years, and it appears the case was finally dismissed, though it is unclear what the result was for each company. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
National Processing Customer Support Options
The National Processing website lists a general phone number, account care phone number, and email contact information.
National Processing Customer Service Numbers
- (800) 720-3323 – Toll-Free General Customer Service
- (800) 803-4592 – Sales
Other Support Options
- Live chat
- Support form
- Customer service email address at [email protected]
National Processing Online Ratings
Here's How They Rate Online
Under 10 Complaints
National Processing currently maintains an “A+” rating with the BBB and has been accredited since 2008. The company is showing 7 complaints in the past three years. 5 of these 7 complaints were resolved by the company to the satisfaction of the merchant. The remaining 2 were resolved to the dissatisfaction of the merchant or received no final response.
What Merchants Say
National Processing has also received 10 reviews, 7 negative and 3 praising National Processing’s customer support capabilities. The most recent review describes an alleged unauthorized credit check:
Do not use this company. They run your credit check without noticed on their website!
Clients in this situation would be better served by a company with great payment processing customer service.
A “B” Rating
Given the company’s growing complaint total, we have adjusted their score to a “B”.
National Processing Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Processing Rates||Interchange + (Variable)|
Full Pricing Disclosure
According to the National Processing website and a sample copy of the company’s standard contract, National Processing offers multiple pricing structures depending on a client’s processing needs.
National Processing Pricing
National Processing charges a rate of interchange plus 0.20% plus $0.10 for swiped transactions and a rate of interchange plus 0.30% plus $0.10 for keyed-in transactions, although it can modify these rates for specific industries such as restaurants. The company also charges a $4.95 monthly PCI compliance fee, a $9.95 monthly fee, an AVS fee of $0.05 per transaction, a batch fee of $0.10, and no monthly minimum fees or annual fees. National Processing does charge a $295 early termination fee in the event that a merchant goes out of business or does not give National Processing an opportunity to match a competitor’s offer.
At the time of this update, the company’s ACH processing service includes a monthly fee of $15 and a per-transaction fee of $0.48. In a previous update, the ACH processing service also included a per-return fee of $2. These appeared to be the only costs associated with its ACH plan, although these costs may vary. The company leases equipment through Clover, whose terms can be as much as up to 60 months without the ability to cancel, according to merchant reviews.
Straightforward Contract Terms
The National Processing website advertises no annual contracts, but there are complaints about the company that mention early termination fees or other hidden fees. This is obviously concerning, but it’s not yet clear if this is common or if it references isolated events. If you have any knowledge of the company’s current standard contract terms, please share that information in the comment section of this review. See an older version of the National Processing Merchant Application. We encourage readers to check out our list of the providers of the best merchant accounts.
National Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||Yes|
No Sales Complaints
National Processing appears to market its services primarily through traditional advertising and strategic partnerships. There is no evidence that the company employs independent sales agents at this time; however, we have received some concerning National Processing reviews in our comment section below that accuse the company’s sales agents of unethical conduct. As of right now, these are fairly isolated, but it is a concerning trend. This compares favorably to our list of the best credit card processors.
Original Teaser Rate Quotes
At the time of our previous update, the National Processing homepage listed a couple of teaser quotes that promised “rates as low as $.10 for ACH” and “rates as low as .15% for credit cards.” These rates were significantly lower than the costs that were listed on the company’s Pricing page, which lowered its score in this section.
Since then, National Processing has changed its marketing to promote either the company’s clearly listed interchange-plus pricing or its zero-fee program, both of which are much more transparent plans. These plans are plainly described with accurate sample rates, which has improved National Processing’s grade to an “A.” If you suspect that National Processing is charging you undisclosed fees, however, we recommend seeking a third-party statement audit.
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