National Processing Review

National Processing Overview

ACH Processing Specialists

Based in Lindon, Utah, National Processing (nationalprocessing.com) 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.

National Processing Location and Ownership

National Processing is a registered ISO/MSP of Woodforest National Bank, Houston, Texas, with headquarters at 1020 West 600 South, Suite 300, Lindon, Utah 84042. Wayne Hamilton is the founder and CEO of National Processing.

National Processing Review Table of Contents

  • Costs & Contract: National Processing appears to offer variable contract terms with a conditional early termination fee.
  • Complaints & Service: National Processing has received fewer than 10 public complaints.
  • BBB Rating: National Processing currently has an “A+” rating with the Better Business Bureau and has received two complaints in the last three years.
  • Sales & Marketing: National Processing does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With National Processing

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Wholesale
  • High risk

National Processing Rates, Fees, and Costs

Standard Fees

Swiped Rate Interchange + 0.20% + $0.10
Keyed-in Rate Interchange + 0.30% + $0.10
Early Termination Fee Variable
PCI Compliance Fee $4.95 Per Month
Equipment Lease Terms Variable

Full Pricing Disclosure

According to the National Processing website and a sample copy of the company’s standard contract (available below), National Processing offers multiple pricing structures depending on a merchant’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 an 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 our previous update, the company’s ACH processing service included a monthly fee of $15, a per-transaction fee of $0.24, and a per-return fee of $2. These appeared to be the only costs associated with its ACH plan, although these costs may vary.

Straightforward Contract Terms

The National Processing website advertises no annual contracts, and there are no complaints about the company that mention early termination fees or other hidden fees. In light of all of the known rates and fees charged by the company and the fact that it offers rates that are competitive with some of the cheapest payment processors, we are awarding National Processing an “A” in this category. 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.

Response from National Processing

Are you a representative of National Processing? Add your voice to this section for free!

National Processing Complaints & Customer Reviews

Key Points

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 these complaints do not explicitly refer to the company as a scam or a ripoff. In one case (found here), the merchant claims that National Processing has refused to deliver funds totaling $14,013.50 to the merchant. According to the merchant, 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 merchant then responded to this rebuttal by including documentation supporting the merchant’s claim that National Processing was serving as the merchant’s processor. The merchant’s second post received a second denial.

Questionable Fund Hold Situation

The details of this complaint are unclear. If the merchant is correct, then National Processing appears to have signed the merchant up for a third-party gateway without the merchant’s knowledge, resulting in a fund hold by iCheckGateway and no clear way for the merchant to recover his funds. On the other hand, it could be that the merchant’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 merchant’s post seems more interested in denying culpability than in finding a solution for the merchant. In addition, the merchant’s supporting documentation indicates that National Processing was at the very least in communication with the merchant over the issue but could not resolve the problem in a timely fashion.

National Processing Support Options

Other complaints filed against the company describe sudden account cancellation, poor machine functionality, untimely deposits, and poor customer service. The National Processing website lists general phone and email contact information, but it is unclear whether these lines are devoted specifically to customer service.

Response from National Processing

Are you a representative of National Processing? Add your voice to this section for free!

National Processing BBB Rating Summary

Key Points - BBB

Product & Service Complaints 2
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

National Processing currently maintains an “A+” rating with the BBB and has been accredited since 2008. The company is showing two complaints in the past three years, both of which are related to a product or service problem. Both complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

National Processing has also received 37 positive or neutral informal reviews, and several of them praise National Processing’s customer support capabilities:

When dealing with National Processing I found their customer service reps to be courteous and very prompt. I was impressed with the short amount of time between submitting a referral and receiving a call back.

This is consistent with our expectations for great payment processing customer service.

An “A” Rating

Given the company’s low complaint total and the fact that it has had a BBB profile since at least 2008, we agree with the BBB’s rating.

Response from National Processing

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates 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, and we haven’t found any National Processing complaints that accuse the company’s sales agents of unethical conduct.

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.

Transparent Pricing

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.

Response from National Processing

Are you a representative of National Processing? Add your voice to this section for free!

National Processing Marketing Example

National Processing Logo

Our Opinion of National Processing

Solid Option for Most Merchants

National Processing rates as a reliable merchant services provider according to our rating standards. The company is showing only a few complaints in public forums, and its contract terms and sales tactics have improved since our earlier reviews. Our rating for the company may change as we continue to receive merchant feedback about the company. National Processing’s transparency and support options stack up well compared to some of the best credit card processors, but merchants are still encouraged to read their contract terms carefully and to thoroughly research the companies they are working with, no matter the rating.

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.

Schedule a Consultation with Phillip

4 Reviews Leave Your Review for National Processing Below

    Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  1. Robin Burnett says:

    These people have screwed up opening my ski lodge restaurant both years I’ve used them.

    Then after I got rude this second year in a row with them, they turn off my credit card processing capabilities in the middle of business.

    Charged me twice what competitors are charging for the same set up!

    They are a rip off and have the worst customer service I’ve seen in my 47 years of life. They tell you what you want to hear to get you off the phone and their follow-up is about 20 percent.

    DO NOT USE THEM!

    1. Robin Burnett says:

      My business is The Fall Line
      Casper, Wyoming

      We operate in the ski lodge as The Fall Line Cafe in the Hogadon Lodge!

  2. Ron Bray says:

    I have found the agents who are in charge of the merchant accounts to be very polite and prompt with their quotes. They act in a professional manner which is impressive to prospective clients.

    1. CPO Admin says:

      Hi Ron,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

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