National Processing Review

National Processing Overview

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ACH Processing Specialists

Based in Lindon, Utah, National Processing is a merchant account provider that specializes in ACH processing, e-commerce solutions, and mobile payments 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. The company advertises Clover as a POS solution.

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 offers month to month contracts with no early termination fees and interchange-plus pricing.
  • 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 been an accredited business since 2008. The company has received 0 complaints and 0 reviews in the last 3 years.
  • Sales & Marketing: National Processing hires 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

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National Processing Rates, Fees, and Costs

Key Points

Restaurant Rate Interchange + 0.15% + $0.07
Retail Rate Interchange + 0.20% + $0.10
e-Commerce Rate Interchange + 0.30% + $0.15
Small to Medium-sized Business Fee $10 Per Month
Large Business Fee (Under 200k in Monthly Sales) $59 Per Month
Large Business Fee (Over 200k in Monthly Sales) $199 Per Month
Payment Gateway Fee $0
Early Termination Fee $295
PCI Compliance Fee $4.95 Per Month
Equipment Lease Terms None

Full Pricing Disclosure

A detailed schedule of rates and fees for businesses of different sizes across different industries is present on the National Processing website. Small to medium-sized businesses are offered different rates depending on if they are a restaurant, retail, or e-commerce merchant. Merchant across those industries all receive interchange-plus pricing as well as a $10 monthly fee. Restaurant merchants are charged a rate of interchange plus 0.15% plus $0.07. Retailers are charged interchange plus 0.20% plus $0.10.While e-Commerce merchants are charged interchange plus 0.30% plus $0.15.

National Processing sets aside a different schedule of rates and fees for larger-scale businesses. Businesses with under $200,000 per month in sales are charged a $59 monthly fee as well as a transaction rate of interchange plus $0.09. Merchants processing over $200,000 per month are charged a monthly fee of $199 and a rate of interchange plus $0.05.

Regardless of a merchant’s size or industry, National Processing does not assess any early termination fees or gateway fees. According to the company’s website, merchants under any of the company’s plans also receive a free Clover Go terminal and reprogramming of their existing credit card terminals. Additionally, rates included under any agreement with National Processing are locked for the length of the contract term.

Straightforward Contract Terms

The National Processing website advertises no annual contracts, and there are no complaints about the company that mention 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.

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Response from National Processing

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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 Lawsuits

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

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Response from National Processing

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National Processing 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

Clear Complaint Record

National Processing currently maintains an “A+” rating with the BBB and has been accredited since 2008. The company is showing 0 complaints in the past 36 months. The company has received 1 positive informal review. It should be noted that the BBB does not verify informal reviews as it does with complaints.

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.

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Response from National Processing

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
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. The company also offers an affiliate program and employs ISOs and independent sales agents. However, the company has not received any complaints about these programs.

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.

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Response from National Processing

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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.

We rely on your feedback about National Processing to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

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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6 Reviews Leave Your Review for National Processing Below

  1. Susan Red says:


  2. A deceitful company. I would give no star to this company. Contrary to what they claim in their site, “We will not hold you to a contract. We will not raise the low rates we provide you. We guarantee your 100% satisfaction.

    None true for all three claims. They locked us for 4 years, find out they are stealing from our account, raise the rate / fee without our consents contrary to the contract, when we show them what offer we have from other company, since they promised to match it, they said we sold the book to Fist Data you are on your own. Con Artists in deed. Deceitful. No etiquette no shame. We are filing complains to different institutions.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  3. 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.


    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!

  4. 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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