National Processing Review
National Processing
In today’s market, cash is no longer king. Therefore, most businesses invest in a system to process payments via credit, debit, check and online money transfers. There are a number of options when it comes to this kind of service, and it is up to business owners to carefully review each option for superior performance and value. One such option is National Processing.
Company Overview
National Processing is based in Orem, Utah. It should be noted that this company is not related to the National Processing Company, which is more commonly referred to as NPC, and is now owned by Worldpay. Instead, this company provides processing credit card processing options for businesses of all sizes. This includes a combination of in-person and online payment solutions for maximum flexibility. Payments that can be successfully processed by National Processing’s service include credit cards, debit cards and personal checks.
For in-person transactions, the company offers several options. This includes traditional countertop terminals that accept credit and debit from major providers like Mastercard, Visa, Discover and American Express. Specific systems are provided from Poynt, Verifone and Ingenico. However, clients can also choose comprehensive POS systems or mobile card apps based on their needs. These systems are made by Revel and Clover. As an added perk, the company has an iProcess app for clients, which means that payments can be accepted via wireless devices.
Online payments function somewhat differently. In order to support online shopping, this company utilizes Authorize.net. This is a popular Internet platform for online payments. Alternatively, online service can be supported with invoice billing software. In addition to these services, National Processing also provides check processing with a remote deposit capture option. This makes processing checks easier than ever, minimizing trips to the bank. For added functionality, this service can be enhanced with electronic conversion. This means you can authorize checks within seconds at the point of purchase.
Rates and Fees
Rates and fees will vary depending on the services, equipment and overall profile of the merchant. However, the company does provide some numbers for potential clients. For example, clients that use National Processing will have a base charge of $9.95 per month with an additional PCI compliance fee of $4.95 per month. These rates are standard at both physical storefronts and online businesses.
The company does advertise rates that may be as low as 0.20%, but this rate refers to an interchange plus pricing model. For clients that process more than $10,000 in credit transactions each month, the company guarantees to beat your rates. If the company fails to beat your rates, clients are eligible for a $500 gift card. While National Processing does offer very competitive rates, in some cases, a merchant may be charged an early termination fee when cancelling the service, although the company does offer conditions to waive the fee.
Client Reviews
The company has been accredited with the Better Business Bureau since 2008. Currently, the company has a coveted A+ rating, which speaks to its performance. Most of the reviews through the Better Business Bureau are positive with two negative comments worth noting.
On the positive side, clients note that the company has good prices and overall good customer service. Many of these reviews are based on comparisons to other companies within the industry. Therefore, in context of other industry leaders, this company is regarded as affordable with easy service options.
However, the negative comments suggest that starting the service can sometimes be a cumbersome process. Moreover, a few clients did not give stellar reviews about the customer service when problems arise. The company disputes some of these claims, suggesting that the communication problem rests with the client.
Overall, the company has fared well comparatively. With versatile products, competitive rates and overall service, National Processing continues to appeal to clients.
About Our Service*
PaymentProcessing.com helps merchants research and compare various credit card processing providers. In order to keep this information free, we receive advertising revenue from the providers featured on our website. Read More
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Our Mission
Our mission at PaymentProcessing.com is to provide you with helpful and detailed information about various credit card processing providers. Not all payment processing companies are the same and understanding your rates and processing agreement are some of the most important elements in making a sound decision.
Recommended Processors
If you are a low risk merchant looking for a credit card processor, we recommend checking out ProMerchant. If you operate a high risk business or have been told by processors that your business is hard to place, we recommend checking out Flow Payments.
what to look for?
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Waived Setup Fees
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Month-to-Month Agreements
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No Early Termination Fees
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Transparent Pricing Structures
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No Hidden Fees
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