National Processing: At a Glance
- Transparent Pricing: With clear monthly costs and transaction fees, it fosters trust by eliminating hidden charges
- Industry-Specific Solutions: It offers targeted payment processing for retail, restaurant, e-commerce, nonprofit and subscription-based businesses
- High-Risk Industry Support: Specialized support for industries labeled as “high risk” including those prone to fraud, bad credit or high chargebacks
Pros
National Processing’s transparent pricing is one of its distinguishing features, removing the guesswork and potential hidden fees that often burden businesses. This transparency extends to tailored solutions for various industry sectors, allowing customization that genuinely serves the unique requirements of retail, restaurants, e-commerce, nonprofits and more. All told, it’s a comprehensive credit card processing system that should meet your needs regardless of what type of business you run. For businesses in high-risk categories, National Processing provides specialized support, although it might come at a higher cost. The availability of innovative tools, such as virtual terminals, free reprogramming of existing equipment and free mobile readers, adds to the service’s adaptability. Its subscription plans and custom pricing options are designed to cater to a variety of business needs, adding another layer of flexibility.
Cons
On the downside, National Processing may not be the best fit for businesses with very low processing volumes, as the costs might not align with their needs. While the support for high-risk industries is a positive, the increased fees could be seen as a barrier for some merchants. The custom pricing plans, despite their adaptability, lack the detailed, upfront information some customers desire. After all, no one wants to hop on a sales call. Some offers, such as its free equipment program, come with restrictions that might limit their utility, depending on the specific requirements and preferences of the individual user.
Featured Partners
1
Stax
No
First Month Free
$99 per month, 7 cents to 15 cents per transaction plus interchange rate
2
Finix
No
Save up to 40% on credit card processing
Transparent subscription-based pricing with 0% markup on interchange fees
3
Payment Depot
No
$0 Setup & No Cancellation Fees
Customized Interchange+ Pricing - Rates as low as 0.2% - 1.95%
4
Paysafe
No
SAVE or get a $200 gift card + FREE payment equipment*
Industry-low rates starting at $0.15 batch fee + 0% Cash Discount Plans available
How National Processing Works
National Processing offers a payment processing solution that is versatile enough to meet the diverse needs of various business industries. It’s not merely a credit card transaction management system, but a payment experience designed to align with individual business objectives and budget considerations. National Processing is all about providing options, flexibility and efficiency through various subscription levels and industry support. This ecosystem is meant to make payment handling less complicated, regardless of whether you are a large retailer, a well-known restaurant or a small e-commerce platform.
To make it more accessible, streamlined and transparent, National Processing creates a customized payment approach by focusing on the priorities of different sectors. The payment processor goes beyond the surface, striving to be your ultimate transaction partner.
National Processing Core Features
National Processing’s core features offer a blend of customization, efficiency and security to cater to various business needs. Whether it’s the transparent pricing or the specific solutions designed for different industries, it’s built its service around flexibility and adaptability.
Transparent Pricing Models
National Processing provides various transparent pricing options tailored to different business needs. From flat-rate transaction costs to percentage-based fees, businesses can choose the model that best suits them.
Industry-Specific Solutions
With specific solutions for sectors such as retail, restaurant, e-commerce and nonprofit organizations, National Processing ensures that the particular needs of different industries are met.
ACH Processing
For those in need of Automated Clearing House (ACH) processing, National Processing offers a comprehensive solution. From one-time to recurring transactions, this feature makes it easy to handle direct debit payments.
Free Equipment and Support
Providing free reprogramming of existing equipment, gateway setup, mobile reader and even a free terminal for some packages, National Processing aims to minimize upfront costs and foster an effortless setup process.
Risk Management
National Processing emphasizes security and risk management by offering tools to detect fraudulent activity, helping merchants protect their business. We’ll discuss this more in the security section below.
Subscription-Based Options
For businesses looking for continuous support and service, National Processing offers subscription-based options with additional benefits, such as a free pin pad or terminal upgrades every two years.
What Sets National Processing Apart
If you run a business, you know that credit card fees can nibble away at your profits. Now, imagine a scenario where those fees could be cut down, even if just a bit. This is where National Processing’s cash discount program comes into play, and it’s more than just a nice-to-have perk.
Think about it this way: When customers pay with cash, they get a lower price. It’s like a reward for avoiding credit cards. On the other hand, credit card users pay a bit more, covering those pesky processing fees. Simple enough, right? Well, National Processing takes this common practice a step further.
Beyond saving on processing and interchange fees, the program lets businesses avoid other little-known costs, such as purchase service fees. With the cash discount program, businesses can even advertise lower prices for cash payments, drawing in more price-conscious customers.
What’s more, National Processing’s version of this program is clear-cut. With a cash discount rate of 3.99% and a monthly minimum of $3,000, it makes it easy to understand. Fall below that threshold, and a $30 cost fee comes into play. It’s upfront, without hidden surprises.
So then why does this matter? It’s not just about saving a few bucks here and there. This program offers real value, providing businesses a sense of control over those unpredictable fees that usually just feel like a necessary evil. By giving an option for cash payments, National Processing opens up opportunities for both saving and growth.
In the end, it’s features such as the cash discount program that make National Processing more than just another name in the industry. It’s offering something practical, something that answers a real business need.
National Processing Pricing and Plans
| Cash Discount | Restaurant | Retail | eCommerce | Non-Profit | ACH Processing | Subscription | Subscription Plus | |
|---|---|---|---|---|---|---|---|---|
|
Monthly Cost
|
$0
|
$9.95
|
$9.95
|
$9.95
|
$9.95
|
$15
|
$59
|
$199
|
|
Transaction Cost
|
0% + 0 cents
|
0.14% + 7 cents
|
0.18% + 10 cents
|
0.29% + 15 cents
|
0.12% + 6 cents
|
0-1.5% + 48 cents
|
0% + 9 cents
|
0% + 5 cents
|
|
Free Reprogram of Existing Equipment
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
|
Free Mobile Reader
|
No
|
Yes
|
Yes
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
|
Free Terminal
|
Yes
|
No
|
No
|
No
|
Yes
|
No
|
Yes
|
Yes
|
National Processing Setup
Setting up with National Processing is a process that business owners might find refreshingly uncomplicated. You’re not going to be bogged down with technical jargon or complicated steps. What you’ll encounter is a guided onboarding process designed to get you up and running without unnecessary headaches.
You’ll start by speaking with a sales rep, who’ll help you understand what’s needed for your specific business. Depending on your industry and unique requirements, they’ll tailor a solution just for you. The hardware and software setup is pretty much straightforward, with support available if you hit a snag.
Considering switching from another provider? The team at National Processing assists in the transition, helping to ensure that the shift is smooth. There might be a learning curve if you’re adapting to new equipment or software, but you’re not left to figure it out on your own.
National Processing Ease of Use
Right from the start, you’ll find simple instructions. Navigating through the system? Generally, it’s logical and clear. Processing transactions? The steps are laid out without ambiguity. What might challenge you are specific configurations that cater to unique business needs, but even then, assistance is a phone call away.
However, these aren’t roadblocks. They’re more like nuances that you learn as you go, and they don’t overshadow the fact that National Processing is built with an understanding of what businesses need daily.
National Processing Security
When it comes to security, National Processing emphasizes protecting sensitive information through modern encryption and fraud prevention techniques. Aligning with industry standards and best practices, it doesn’t boast unique features but maintains a strong stance that compares well with others in the field. Compliance with regulations and a continual effort to stay ahead of emerging threats defines its approach. With National Processing, businesses can feel confident in a professional system that safeguards transactions without unnecessary complexity or concern.
National Processing Customer Service and Support
National Processing’s customer service and support approach combines various channels to ensure assistance when needed. The automatic chat replies are available around the clock every day of the year, allowing for quick responses to common inquiries. For more personalized support, live agents are ready to assist via chat from Monday to Friday, between 9 a.m. and 5 p.m. Mountain time. There’s also a phone number provided for those who prefer a more direct conversation.
Unfortunately, the knowledge base link seems to lead to a sales page instead of the intended support information, a small oversight that doesn’t diminish the overall helpfulness of the customer support team but could be improved for an even better experience.
The Fine Print
National Processing requires a two-year contract, which might be a consideration for businesses seeking more flexible terms. Those wishing to terminate the contract early should be aware of a significant cancellation fee that will depend on your plan or contract with the company. This fee could impact the decision for businesses that anticipate potential changes in their processing needs or those that want the flexibility to explore other options without substantial financial penalties.
National Processing Alternatives and How They Compare
| National Processing | Clover | Stripe | Stax Payments | |
|---|---|---|---|---|
|
Integrations
|
Yes
|
Yes
|
Yes
|
Yes
|
|
Contactless Payment
|
Yes
|
Yes
|
Yes
|
Yes
|
|
Invoicing
|
Yes
|
Yes
|
Yes
|
Yes
|
|
Monthly Fee Starts At
|
$0
|
$14.95
|
$0
|
$99
|
|
Learn More
|
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|
Read Reviews
|
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|
National Processing vs. Clover
While both National Processing and Clover offer integrations, contactless payments and invoicing, there are differences in their monthly fee structures. National Processing stands out with a starting monthly fee of $0, appealing to businesses looking for cost-effective solutions. Clover, on the other hand, starts at $14.95 per month. Depending on the specific needs and budget constraints of a business, these differences could influence the choice between the two.
National Processing vs. Stripe
National Processing and Stripe both provide essential features including integrations, contactless payments and invoicing, but their fee structures again set them apart. National Processing’s $0 starting monthly fee may attract small businesses or those looking to minimize costs. Stripe, though also beginning at $0 per month, has a steeper learning curve than National Processing. Business owners should consider these nuances when comparing these two options.
National Processing vs. Stax by Fattmerchant
Comparing National Processing to Stax by Fattmerchant, both offer integrations, contactless payments and invoicing. However, Stax by Fattmerchant’s starting monthly fee of $99 stands in contrast to National Processing’s $0 fee, and you’re paying that fee whether you sell a dime. This significant difference in pricing could make National Processing a more attractive option for small or budget-conscious businesses.
Featured Partners
1
Stax
No
First Month Free
$99 per month, 7 cents to 15 cents per transaction plus interchange rate
2
Finix
No
Save up to 40% on credit card processing
Transparent subscription-based pricing with 0% markup on interchange fees
3
Payment Depot
No
$0 Setup & No Cancellation Fees
Customized Interchange+ Pricing - Rates as low as 0.2% - 1.95%
4
Paysafe
No
SAVE or get a $200 gift card + FREE payment equipment*
Industry-low rates starting at $0.15 batch fee + 0% Cash Discount Plans available
Who Is National Processing Best For?
National Processing is best for:
- Small to Medium-Sized Businesses: The ease of use and accessibility to essential features such as contactless payments and invoicing make it suitable for small and medium-sized enterprises.
- Retailers and Service Providers: With contactless payment and invoicing features, it caters to both physical retailers and service providers who require flexible payment solutions.
Frequently Asked Questions (FAQs)
Does National Processing offer any incentives for businesses to encourage cash payments?
Yes, National Processing offers a cash discount program, incentivizing customers to pay with cash or debit cards. This program helps businesses save money by reducing or even eliminating certain processing fees.
What are the customer support options available with National Processing?
National Processing provides customer support through automatic replies 24/7, 365 days a year, and live agent replies Monday through Friday from 9 a.m. to 5 p.m. (MT). It also offers support via a phone number.
Are there any hidden fees or contracts with National Processing?
National Processing requires a two-year contract, and there is a $595 cancellation fee if the contract is terminated early.
What are the disadvantages of National Processing?
National Processing may not be suitable for businesses with low processing volumes, due to the increased fees. Some of its offers come with restrictions that might limit their use, and pricing isn’t as transparent as its competitors.
