Ellen Cibula
Written by Ellen Cibula Payments, Finance, and AI Expert: Learn More

Are you looking for a credit card processing company that can make a difference in your business?

National Processing is the perfect company for you! They have been in the industry for over 15 years and know what it takes to help your business succeed. They are committed to providing their customers with the best service possible and continually updating their technology to ensure that your transactions run smoothly.

With National Processing, you will get the best rates in the industry and top-of-the-line customer service. In addition, you won’t have to worry about hidden fees or surprise charges – they believe in being completely transparent with their clients. Plus, they offer a wide variety of services to find exactly what you need.

I used my extensive experience with payment processors to complete this in-depth National Processing review. Keep reading to see if this payment provider will make a difference in your business!

National Processing Summary

National Processing logo

National Processing is a payment processing provider specializing in credit card payments, e-commerce services, and mobile payments. They provide secure, real-time transactions for businesses of all sizes with their state-of-the-art technology and comprehensive customer service.

Multiple Business Sectors

Food and Beverage, Retail, eCommerce, High-risk, Service, Enterprise, Health and Wellness

Robust Payment Processing Solutions

Credit Card Processing, Virtual Terminal, eCommerce gateways, ACH Processing, Mobile Payments, API Integration

Multiple Integrations

WooCommerce, BigCommerce, Ecwid, Zendesk, Shopify, Opencart, Quickbooks, Custom (multiple APIs to integrated credit card gateways, ACH payments)

Fraud Prevention

Fraud prevention, chargeback Protection

Innovative POS systems

  • Simple iOS or Android phone apps
  • Complete systems, including iPad, thermal printer, and cash drawer
  • Enterprise solutions for businesses that process a large volume of transactions per hour

National Processing Promise

Will waive termination fee if your business is sold or closed or National Processing can’t meet or beat a competitor’s rates.

Overall Rating:

4.8 / 5

National Processing Pros

  • Interchange plus pricing
  • Merchant Account Provider
  • Transparent Fees

National Processing Cons

  • Early termination fee

Starts at $0/month

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What are Others Saying About National Processing?

I have over 15 years of experience in processing credit and debit cards and ACH processing. Using my expertise, I gathered online reviews for National Processing.

Aggregating the reviews from the following 3 review sites, National Processing has a 4.5-star rating.

What Customers are Saying…
  • No issues with processing, satisfied with customer service
  • Easy, simple, and competitive credit card processing
  • Professional, knowledgeable, and understanding account manager
  • Quick, easy, and lower rate setup
  • Competitive price, easy-to-use, simple platform
  • Better, easier to talk to than previous company
  • Great company, switched to save on processing rates
  • Positive experience with ACH processing
  • Personal experience disappointing
  • Incorrectly quoted when setting up my account

Trustpilot Reviews

Trustpilot reviews of National Processing

There is one review for National Processing on Trustpilot. It is a 1-star review. This reviewer also left a review on the BBB site.

Better Business Bureau Reviews

BBB Page of National Processing

The Better Business Bureau has accredited National Processing, and they have an A+ rating. They have been accredited since October 16, 2008.

They have had 7 complaints closed in the last 3 years and 6 in the previous 12 months. In addition, national Processing has a 100% response rate with complaints filed with the BBB. Based off these complaints, you might be asking yourself, “is National Processing legit?” Yes, National Processing is legit, even though there are negative reviews. There are numerous positive reviews on Google below.

Google Reviews

Google reviews of National Processing

The National Processing ratings on Google are mostly positive. There are 244 reviews of National Processing on Google, with a 4.5-star rating. Of these, 77% are 5-star, 12% 4-star, 4% 3-star, and 7% 1-star reviews. Of the 16 negative national processing reviews, National Processing says 4 were not accounts with them.

What is National Processing?

National Processing home page

National Processing is the perfect payment processing solution for businesses of all sizes. It was founded in 2007 by Wayne Hamilton in Orem, Utah.

The streamlined application process ensures a 24-hour approval time. In addition, the third-party Independent Sales Organization (ISO) from Chesapeake Bank and Woodforest National Bank can match you to the best solution for your business.

Their phone number is 1-800-720-3323.

National Processing Rebate

What’s more, they are so confident in their ability to beat your current rates that they offer an incentivized $500 gift card if they fail to deliver on their promise.

Who is National Processing for?

National Processing serves businesses both small and large and is for multiple merchant types:

  • Food and Beverage
  • Retail Store
  • Enterprise
  • Services
  • High-risk
  • E-commerce
  • Health and Wellness

What benefits does National Processing provide?

National Processing provides several benefits, including a feature-packed gateway. In addition, National Processing offers comprehensive payment processing services, including credit card processing services, ACH processing, a payment gateway, and a wide variety of point-of-sale solutions.

Multiple Business Sectors

National Processing provides payment processing services to many different business sectors, including:

  • Food and Beverage
  • Retail
  • eCommerce
  • High-risk
  • Service
  • Enterprise
  • Health and Wellness

National Processing caters to businesses of all sizes, from mom-and-pop stores to start-ups and enterprise-level companies. They understand that each business has unique payment requirements and are committed to offering solutions catered to those needs.

Robust Payment Processing Solutions

National Processing Payment Processing Solutions

National Processing provides robust payment processing solutions for businesses of all sizes. Services include credit card processing, eCommerce gateways, virtual terminal, ACH processing, mobile payments, and API integration.

These reliable and secure payment options give customers peace of mind when making purchases. In addition, the company’s automated system ensures that payments are processed quickly and accurately with minimal human intervention.

Furthermore, you can take advantage of National Processing’s support services at any stage in your transaction process to ensure the efficient operation of your payment systems.

With these comprehensive services available, you can rest assured that National Processing is a powerful choice for your payment processing needs.

Multiple Integrations

National Processing offers multiple integrations to streamline businesses’ payment processing needs. Integrations include WooCommerce, BigCommerce, Ecwid, Zendesk, Shopify, Opencart, and Quickbooks.

In addition, custom integration solutions are available through National Processing’s APIs for integrating credit card gateways and ACH payments. These integrations are designed to give businesses of all sizes the flexibility they need to take control of their finances and merchant services.

With these tools in hand, business owners can rest assured that National Processing is a reliable and robust choice for their payment processing needs.

Fraud Prevention

National Processing offers several fraud prevention tools designed to help businesses protect themselves, their customers, and their transactions. These tools include fraud prevention, chargeback protection, and customer identity verification.

These robust services work together to detect and prevent fraudulent transactions while protecting all parties involved.

Additionally, business owners can use National Processing’s online dashboard to review real-time transaction data and manage chargebacks in an easy-to-use platform. With these comprehensive solutions available, businesses can rest assured that they have the necessary fraud prevention tools to safely and securely process payments with National Processing.

Innovative POS systems

National Processing’s POS solutions offer a range of innovative solutions to help businesses achieve their goals. From simple iOS or Android phone apps to complete systems that include iPad, thermal printer, and cash drawer, National Processing offers the flexibility and convenience needed in today’s marketplace.

National Processing has developed customized solutions with enhanced features to meet your unique payment needs if you are an enterprise business that processes a large volume of transactions per hour.

You can pay for the POS systems outright. They do offer these systems for free, but you have to sign up for an extended contract to receive the free equipment. Free terminals and other promotions depend on your credit, processing volume, and qualifications. In addition, there are early termination fees if you leave National Processing before your agreement ends. Be sure to weigh your options carefully if you decide to go for the free terminals.

They also offer to update your existing system to work with National Processing services if technically feasible. This can save you the cost of a new system if they can update your old one.

You need to work with National Processing to set up your POS system.

With these comprehensive options available, National Processing makes it easier for businesses to choose the right solution for their needs.

National Processing Promise

National Processing strives to provide its customers with the best possible experience. Therefore, they promise to always waive termination fees if your business is sold or closed or National Processing cannot meet or beat a competitor’s rates.

They understand that every business is unique and have developed solutions tailored to your needs. Their goal is to provide a secure, user-friendly payment system that allows businesses of all sizes to accept payments quickly and efficiently.

To ensure you receive the highest quality service, they offer 24/7 customer support from knowledgeable professionals. In addition, they always look for ways to provide all of their customers benefit from their services and rates.

National Processing Pricing – How Much Does it Cost?

National Processing Pricing Table

According to the National Processing website, National Processing believes in transparent pricing, a plus in the payment processing world, especially for high-risk processing. Therefore, they offer interchange-plus pricing, one of the more transparent fee structures for payment processing. Effectively, there are no hidden fees when you use National Processing to process payments.

Their processing costs include a monthly fee (which ranges from $0.00 to $199) plus a transaction cost. This follows the interchange plus model: the interchange rate plus a per-transaction cost. These range from 0% to 1.5%, plus $0.00 to $0.48 per transaction.

National Processing Alternatives

Several alternatives to National Processing exist, from Square, Stripe, and Clover, to high-risk options Durango Merchant Services, PaymentCloud, and Easy Pay Direct.

Frequently Asked Questions

National Processing provides ACH processing and credit card processing services for many businesses, including restaurants, retail, e-commerce, enterprise, services, health and wellness, and high-risk businesses. This includes small businesses and enterprise-level companies.

Yes, National Processing is a legitimate payment ISO registered with Chesapeake Bank and Woodforest National Bank.

An independent sales organization (ISO) is an independent intermediary that handles merchant accounts on behalf of a payment processor or bank, acting as a third-party payment processor (TPPP).

Conclusion – Is National Processing Worth It?

National Processing is a great payment provider with transparent pricing and 24/7 customer support. Their solutions are tailored to meet your individual needs, and they strive to provide their customers with the best possible experience. 

If you’re looking for an efficient way to process payments quickly and securely, then National Processing may be worth considering as one of your options. With its convenient interchange-plus fee structure that eliminates any hidden costs or fees, it’s worth exploring if you need reliable payment processing services.

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