National Processing 2023: Reviews & Complaints

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National Processing Rating
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image of a phone image of a phone that changes when your mouse hovers over it (800) 720-3323 View Pricing

Company Overview

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.

Article Summary

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.

Video Summary

Table of Contents

National Processing payment processing
National Processing offers standard payment processing services with a focus on ACH processing

National Processing Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits Yes

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

National Processing Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 17

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

Cost & Fees Summary
Item Result
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Interchange + (Variable)
Equipment Leasing Yes

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.

The National Processing rates page

National Processing Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers No
Telemarketing No
Misleading Marketing 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.

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.

Our National Processing Review Summary

Our Final Thoughts

National Processing rates as a reliable credit card processing provider according to our rating standards. The company is showing only a few complaints on 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 client feedback about the company. National Processing’s transparency and support options stack up well compared to some of the best credit card processors, but buseinsses are still encouraged to read their contract terms carefully and to thoroughly research the companies they are working with, no matter the rating.

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Your Comments & Reviews

How Did National Processing Treat You?

8 Responses

  • kathy jacobs


    They hold your money and will not put it in your account. They are holding over $5400 of my money for no reason other than to be thieves Capitol One paid them but they will not put the money into my business account. I have done nothing wrong. Capitol One has issued a dispute against them for me and I am going to be filing a police report about them. They have also threatened me a man by the name of James Whitmore ( who is a green haired, look up their executives) who is an alleged supervisor. They are threatening to boycott me for all other credit companies to never do business with my company so that my company cannot take credit cards. They are saying the reason is I put in a charge for more than the paperwork said permitted and they received the money they just won’t put it into my account. If that were true why did they approve the sale and accept the money from Capitol One but not give the money to me or back to Capitol One?. Save yourself some hassles and find a reputable company before they attempt to steal from you as well.
    These people are thieves. As of the writing of this they will not give me the $5400 or give it back to Capitol One they were given by Capitol One and are now attempting to take ANOTHER $5400 OUT OF MY BUSINESS BANK ACCOUNT. They will not allow me to do a credit and Capitol One is now involved in a dispute. As stated they are thieves. BEWARE

    I charged on my BUSINESS ACCOUNT and the money was to go into my bank business account.. The bottom line is they were given the money by Capitol One and refuse to give it back to Capitol One or me. There path to a resolution is this. They want me to give the thieves another $5400 wait 180 days and then they will give me back the $10800. Bottom line is they are thieves and want to keep the $5400. They told me when I spoke to them the second time that they knew Capitol One would do the dispute which I put in and give me my money back and they would see to it that no other credit card company would allow my business to do credit cards. They also told me they were going to take another $5400 out of my bank account. WHY? They have MY $5400. Does that sound like a reputable business? Liars, cheats and blackmail. All they had to do was one of two things give me back my money or give it back to Capitol One. STAY AWAY FROM THEM AND PROTECT YOUR BUSINESS


    Response from the owner 6 days ago
    It is unfortunate that you have not had a positive experience with National Processing. Running a

  • Elizabeth

    I just got my first statement from this company. Well, I got conned. Was told my monthly fees would be dramatically lower than my current set up. I asked several different times on different days if there were ANY other fees as this seems to good to be true. Told over and over, no you will be saving about $1300 to $1400 a month. There aren’t any other fees. Well guess what? There are. I’m sure he lied to me about the cancellation policy as well. Stay away from this company. Mickey was the sale rep. Nice guy who is a fast talker. I cannot believe I fell for it.

  • Jax Hart

    Hungry Heart PDX, LLC.

    This business is the WORST. Their website feeds you all of these empty promises about wanting to yelp small/medium sized businesses when all they mean by help is SCAM. I reached out because i was promised free equipment with a 3 year contract, the sales person confirmed this. after the equipment took weeks to arrive, the pandemic headed into another shut down and i was told that they could put me on “pause” with no consequence. all the while, they were charging me non compliance fees of $100/mo. How is that eithical?! I didn’t catch it right away because we can’t afford an account and business has been rough. When i finally caught it, all i got was a “there’s nothing we can do” and would you like to cancel your account. No follow through, no service, and NO concern for the success of small businesses. Only concern in scams and sales commissions.

  • Michel Arvin

    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


  • Robin Burnett

    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.


    • Robin Burnett

      My business is The Fall Line
      Casper, Wyoming

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

  • 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.

    • Hi Ron,

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

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