Nationwide Payment Solutions: Reviews & Complaints

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Company Overview

Nationwide Payment Solutions, also known as Nationwide Payments, is a third-party processor offering merchant accounts and processing services to merchants across the U.S. The company was founded in 2002 and has grown rapidly in a short amount of time with a reported 2010 revenue of $17.4 million. Nationwide Payments appears to also do business as MuniciPAY, a payment processing solution specifically for the utility, government, and education industries. Nationwide Payment Solutions is a division of EVO Payments International.

There is now a separate website for Nationwide Payment Solutions and Nationwide Payments, and it’s unclear what relationship the businesses now have.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Nationwide Payment Solutions’ various payment processing services.
  • The company has received a number of complaints, many of which can be found in the comment section below.
  • The company’s contract terms are fairly expensive for the industry.
  • The relationship between NPS and National Payments is currently unclear.

Payment Processing Services

Nationwide Payment Solutions provides a platform for businesses to manage their payment processing needs. They offer a range of services aimed at improving the merchant services experience, particularly focusing on providing a seamless transition for businesses looking to switch their payment processing provider​.

Full-Service Payment Processing

Offering full-service payment processing, Nationwide Payment Solutions caters to businesses both in the US and Canada. They provide next-day funding with one of the industry’s latest cut-off times at 11 PM EST, ensuring businesses have quicker access to their funds​.

Transparent Pricing

Nationwide Payment Solutions presents transparent pricing for their services. They offer competitive pricing with no-fee same-day funding for qualified account holders. Pricing for in-person payments is set at 2.5% + 10¢, e-commerce and invoicing at 2.9% + 30¢, and key entered transactions at 3.3% + 15¢​.

Various Payment Methods

The company provides a platform where businesses can accept a variety of payment methods. These include major credit cards, debit, ACH, Apple Pay, Google Pay, Tap and Go Cards, EMV, NFC, Wallets, and alternative payments such as buy now pay later, and cryptocurrency​.

Security and Additional Features

Additional features include security services to ensure safe transactions, rapid advance for quicker funding, and the ability to void transactions as needed. They also have variable pricing options to cater to different business needs. The review also mentions other benefits, BBB rating, and contract terms, which could be factors for businesses considering Nationwide Payment Solutions for their payment processing requirements​.

Location & Ownership

Nationwide Payments is a registered ISO/MSP of Deutsche Bank Trust Company Americas, New York, New York. The company website lists its headquarters at 3801 Arapaho Road, Addison, Texas 75001. However, at the time of our last update to this review, the company listed its headquarters as 320 Cumberland Ave. Portland, Maine 04101, which is the same listed headquarters as EVO Payments International. Ray Eliante is listed as the CEO of Nationwide Payments.

Table of Contents

Nationwide Payments services
Nationwide Payments does not offer much information to the public on their website

Nationwide Payments 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 No

Low Complaint Total

There are only a few negative Nationwide Payment Solutions reviews in the usual forums, and none suggest that the company is a scam or ripoff. A couple of these are complaints from former agents who report that they were not paid commissions they believed were due to them. The details of the circumstances are unclear, so the complaints will not count against the company for the purposes of this review. Nationwide also submitted professional rebuttals to the complaints, which reflects positively on the company. If you have your own Nationwide Payment Solutions review to make, please do so in the comments below.

Nationwide Payment Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Nationwide Payment Solutions. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Nationwide Payment Solutions Customer Support Options

The remaining complaints against Nationwide cite unexpected costs and fund-holds, and these have also received responses from company reps in most cases. The company website formerly listed a customer support phone number and 24/7 technical support line with dedicated email addresses for each department but now just has a support form. However, these channels are not enough to qualify it as a top-rated payment processor for customer service.

Nationwide Payments Online Ratings

Here's How They Rate Online

No Longer has a Dedicated Profile

At the time of our last update to this review, the Better Business Bureau award Nationwide Payment Solutions an “A+” rating based on 1 complaint filed in the previous 36 months regarding an issue with billing or collections. However, in the time since the BBB has linked the company to EVO Payments International. While EVO has 215 complaints, all of those complaints do not necessarily have anything to do with Nationwide Payment Solutions. As such, this section of the company’s review will be excluded from its overall grade.

Nationwide Payments Fees, Rates & Costs

A Closer Look at The Contract

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

Variable Pricing

Pricing with Nationwide appears to vary based on client needs and processing volumes, which is normal for this industry. The company’s standard contract includes a qualified rate of 1.95% plus $0.05, a mid-qualified rate of 2.9% plus $0.05, and a non-qualified rate of 3.54% plus $0.05 which would be charged to keyed-in transactions. The contract also lists an option for interchange-plus pricing for those same qualification categories at interchange plus 0.50% plus $0.05, interchange plus 0.60% plus $0.05, and interchange plus 0.70% plus $0.05, respectively.

The company has a unique policy that allows clients to cancel service anytime without a cancellation fee if they give a 60-day written notice and continue to process as normal during the 60-day grace period. Otherwise, if a client does not follow this protocol, they are subject to a $500 cancellation fee within the first year of service or a $250 fee after the first year. This policy may generate skepticism with some clients, but our research indicates that Nationwide appears to honor it completely.

Higher-Than-Average Costs

A copy of the company’s standard agreement is available below. It lists an initial setup fee of $125, a monthly minimum fee of $25, an annual fee of $69, a PCI compliance fee of $99 per year, an annual regulatory reporting fee of $12, a monthly support fee of $10, and rates and fees for both interchange-plus and tiered pricing. These rates and fees are far from competitive with the cheapest merchant accounts, and, when taken as a whole, represent a very high cost of doing business. However, it should be noted that this sample agreement is only one version of the Nationwide Payment Solutions Merchants contract, and sales reps may be able to reduce or eliminate many of these fees after proper negotiation. Potential clients should be sure to request and carefully read all documentation before signing.

Nationwide Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Misleading Marketing No
Discloses All Important Terms No

No Deceptive Advertising

Nationwide does not use any misleading marketing or deceptive sales tactics that are apparent to this reviewer. The company appears to primarily market its services through strategic partnerships, sub-ISOs, and independent sales agents. Although this reseller strategy usually results in complaints among clients, there are currently no Nationwide Payment Solutions reviews online that accuse the company’s sales reps of unethical behavior.

No Serious Red Flags

Some older complaints refer to hidden or unexpected fees, but there are no accusations that a sales agent intentionally concealed them. If you suspect that Nationwide Payment Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Our Nationwide Payments Review Summary

Our Final Thoughts

Nationwide Payment Solutions appears to be a solid credit card processing provider. Our research suggests that the vast majority of clients are happy with the company, but Nationwide can improve its rating slightly in this review by removing some of the costly fees found in its standard contract. Even when dealing with credit card processors that rate highly by our standards, we encourage readers to carefully examine the terms of any contract they are given and to compare its pricing to the top overall providers.

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Your Comments & Reviews

How Did Nationwide Payments Treat You?

15 Responses

  • Sean

    Kearney's Auto Upholstery

    Got screwed out of 500 bucks because I misunderstood something when closing my account. Such BS.
    They told me it would take 60 days to close my account after I emailed a request to cancel. Did not hear the part about I had to put the 60 days in the email. No one took the time to contact me after getting the email to let me know it would be counted as an early termination.
    Now I am out 500 bucks and no one is willing to help me. You would think that, since I had been with them for over 20 years a little customer service would be nice… BUT NO!!! THEY GOT THEIR 500 BUCKS AND SCREW YOU!!!

  • Edward Marty

    Nationwide Payment Solutions has acknowledged that I cancelled my service on July 9, 2014 and followed their protocol in doing so. Every month since July of 2014, Nationwide has withdrawn anywhere $60 to $160. After numerous phone calls to the customer service number as well as the regional vice president, promises of email updates about refunding money illegally taken from my account, and generally getting the runaround from this company, I am left with no other option except to use whatever means necessary to make public that this company has, is, and will continue to swindle and steal from the unsuspecting people in the business community who they committed to help prosper. Shameful, illegal and deceitful, steer clear of Nationwide Payment Solutions!

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


  • Katheirne Toth

    Having an issue with american express payments being transfered from Nationwide Payments to our American Express account all of a sudden. Second month in a row and still having the same issues, frustrating!

    This post will help: Best Payment Processors for Great Customer Service


  • Stephen Bjers

    Cancellation sent to this company in October. They never closed out our account and have been debiting our account every month since then even after confirming that they received the cancellation. We keep getting the run around telling us that our refund is up for “review”, which they only seem to do on the 15th of every month. And the account is still open!!! Avoid this company if you can!!!

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

    – Phillip

  • Gretchen Thompson

    This business continued to debit my business account with monthly support fees and PIN fees after closing my account with them after 15 years. Watch Out for this. Their website states “standard of ethics” in the business industry. This practice of monthly debits and fees is illegal and not up to my standards of best business practices. They refuse to refund this money to me. I do not recommend them.

    From The Editor
    This Post Might Help: Cheapest Merchant Account Providers

  • Have been a long time customer but, they only get to cheat me once. Refused to pay a +$9,000 charge from a regular customer. Said it was over my high charge amount. Even though I sent them an NPS statement showing higher dollar charge. Credited some of the processing fees back to my account but decided around $300 wasn’t their responsibility. Whose then? I didn’t complain about the original charge. My customer didn’t complain. The only one complaining was NPS. In the real world, not covered by small type legalese or past practice, arbitrarily taking money under pretense of providing a service is considered theft by taking. Steal from me once.. your fault. Steal from me twice…my fault. Good-bye NPS.

    Are you with Nationwide Payment Solutions? Learn how to resolve this complaint.

  • Horrible company, they had so many hidden fees that it’s sickening.. It wasn’t until I researched these weird fees on my statement that I realized I was being ROBBED blind! Hidden transaction fees and surcharges that when I confronted them on they first denied then said they can eliminate them but not refund the past fees!! STAY AWAY

  • Nationwide requires that you have a PCI cert – they tell you this AFTER you set your account.
    If you do not have this they will NOT release your gateway details to you.

    Very conveniently *sarcasm* they will refer to a partner company where you can buy one for $250.

    I lost a huge contract with a client because of this .

  • Peggy Miller

    I have been in the merchant industry for six years. I worked for a large processor that partnered with a large bank. My director constantly pushed so hard for sales and every day I had to fight with my conscience to try and achieve these unrealistic goals. Additionally, the customer service was questionable, and wait times ridiculous. They charged high annual PCI fees, and when the customer did not complete, almost $30.00 per month.
    I have since come to work at Nationwide. I have found the customer service department courteous and friendly. The tech department awesome! They are constantly on the cutting edge of bringing new technology to their clients.
    My old company charged $295.00 if you left the first year. $195.00 if you quit in the next two years. When they did leave, the company constantly lost the closure paperwork, continuing to charge for at least the last two months.
    Nationwide’s 60 day cancellation is a breath of fresh air for me, as a rep. I explain the policy to all my clients. Some people just give their 60 day cancellation and just stop processing, or switch to their new processor. The deal is you have to call, give us your 60 day notice, and continue processing for the 60 days. After that, you are free as a bird. I sat in the customer service department for 6 weeks. When the client finished honoring their commitment to us, they graciously thanked them and let them go. They are a fantastic company to work for, and they convinced me to work for them after I had decided to NEVER work in this industry again. They appreciate and respect my integrity.

    • You work there, what are you going to tell people, stay away? Anyone looking at Nationwide Payments, please do your homework and see if your bank can beat their price. Look for next day processing. Weekend processing. Our batch deposits sometimes take up to 5 or 6 days to deposit. Cash flow hell.

      • Danielle Rourke

        Hello Edward! Our pricing is extremely competitive, so I would definitely like to touch base with you ASAP to review your account. Also batch deposits should never take 5 or 6 days to deposit. Please reach out to me at [email protected] or at 877.290.1975 extension 5447 so I can look at your merchant account and resolve any issues you are having with batch deposits and review your pricing. I look forward to talking with you and helping get this resolved for you!

      • Katherine Toth

        Edward 5-6 days for your money to be deposited is nothing compared to my deposits from early June-mid July that I’m still waiting for, LOL :(

        This post will help: How to Make Your Payment Processor Release Your Funds


  • jesus ramirez

    I have this merchant service for more than 6 years. I cancel the account. With them. And they charge me $250 dollars for a cancellation fee. They told me that I was in auto renew status every three years. Something they never told me. The customer service representative said if you come back with us i will give you back the 250 . Very unprofessional way of doing business. And I don’t. Recommended nation wide payment solutions. Why their rates are not good. They setuyour account. And them they. Disappeared for years. ‘

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