National Processing Review: Fees, Comparisons, Complaints & Lawsuits

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National Processing
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National Processing

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ACH Processing Specialists

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.

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.

National Processing Location & Ownership

National Processing is a registered ISO/MSP of Chesapeake Bank, Kilmarnock, Virginia, and Woodforest National Bank, Houston, Texas, with headquarters at 472 W 800 N, Orem, Utah 84057. Wayne Hamilton is the founder and CEO of National Processing.

Video Summary

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National Processing Review Table of Contents

  • Costs & Contract: Appears to offer variable contract terms with a conditional early termination fee and…
  • Complaints & Service: Has received fewer than 10 public complaints regarding…
  • BBB Rating: Currently has an “A+” rating with the Better Business Bureau and has been an accredited business since 2008. The company has received 2 complaints and 6 reviews in regards to…
  • Sales & Marketing: Does not appear to hire independent sales representatives and has not received any complaints about its…
National Processing payment processing
National Processing offers standard payment processing services with a focus on ACH processing

National Processing Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

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. Other complaints filed against the company describe sudden account cancellation, poor machine functionality, untimely deposits, and poor customer service.

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

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 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 Service Options

The National Processing website lists a general phone number, account care phone number, and email contact information.

We have located a single National Processing customer service number:

(800) 720-3323 – Toll-Free General Customer Service

National Processing also offers a dedicated email support address at [email protected], and it also offers live chat support and a support form through its website. 

National Processing BBB Rating and Report

Our Better Business Bureau Profile Assessment

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

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

Under 10 Complaints

National Processing currently maintains an “A+” rating with the BBB and has been accredited since 2008. The company is showing just 2 complaints in the past three years. 1 of the complaints was due to a problem with a product or service and 1 was billing or collections issues. 1 of these 2 complaints was resolved by the company to the satisfaction of the merchant. The remaining 1 was resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

National Processing has also received 6 reviews, 3 negative and 3 praising National Processing’s customer support capabilities. The most recent review describes poor customer service:

Small Business Owner

(1 star)


Bad experience with this company. After receiving contradicting answers from different employees, they explained to me that I can use my own terminal but that they are not willing to program it. Disappointing, but okay. After applying, they told me they would be able to approve my application if I were to open a business checking account. I explained to them I use my personal checking account because I run a very small computer service business that transacts 4-5 payments each month, and that I find no practical reason to open a business account. They ignored my email and never responded back. I then followed up with them via their webchat and explained to them my situation, and politely requested an exemption from what I find to be a very unreasonable policy for my small business. The support representative Gibran ignored my message until the chat box closed and went offline. After compromising my trust by sending them all my personal documentation, I feel completely ignored and undermined by this company, and am not happy with my experience or their service. Please find another payment processor.

Merchants in this situation would be better served by a company with 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.

National Processing Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
Interchange + 0.20% + $0.10
Keyed-in Rate
Interchange + 0.30% + $0.10
%0.05 Per Transaction
Early Termination Fee
PCI Compliance Fee
$4.95 Per Month
Equipment Lease Terms
60 Months (locked)

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 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, 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. We would encourage merchants to check out our list of the providers of thebest merchant accounts.

The National Processing rates page

National Processing Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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. This compares favorably to our list of 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.

National Processing Review Summary

Our Final Thoughts and Opinions

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.

National Processing Competitors

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Customer & Employee Reviews

What Others Are Saying About National Processing

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7 Responses

  • 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

    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!

  • Ron Bray

    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.

    • CPO


      Hi Ron,

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


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