National Processing Review, Pricing, Features with Pros and Cons

In this National Processing review, you'll find more information about its features, pricing, pros and cons and why you should consider using it.
9/10 (Expert Score)
Product is rated as #1 in category Credit Card Processing
9Expert Score
Revolutionize Your Payments with National Processing: The Ultimate in Transparent, Tailored Solutions!

Elevate your business with National Processing’s tailored payment solutions. Enjoy transparent pricing, specialized industry support, and innovative tools that streamline your transactions. Whether you’re in retail, e-commerce, or even high-risk sectors, this comprehensive payment system is designed to meet your unique needs.

Customer support
Value for money
Ease of use
  • Clear pricing with no hidden fees
  • Tailored solutions for various industries
  • Support for high-risk sectors
  • Includes virtual terminals and free readers
  • Not ideal for low-volume businesses
  • High fees for high-risk sectors
  • Unclear custom pricing
  • Restrictions on free equipment

“Unlock the Secrets to Smarter Payment Processing: Dive into our comprehensive review of National Processing and discover how its transparent pricing, industry-specific solutions, and innovative tools can revolutionize your business

But it’s not all sunshine and rainbows—learn about the potential drawbacks that you should consider. Your ultimate guide to making an informed decision is just a click away!”

Read further to learn more about National Processing, in our review we will detail its features, pros and cons with our rating, and a conclusion about why you should use it.

Click on “open” if you want to see exactly what we will talk about in the rest of this article.


What is National Processing?

National Processing is a merchant services company that specializes in payment solutions for businesses of various sizes.

The company offers a range of services including credit card processing, ACH processing, and fraud prevention. It provides tailored payment solutions for different industries such as restaurants, retail, and eCommerce.

National Processing cover

National Processing emphasizes transparency in pricing and offers various plans with different transaction costs.

The company also provides free reprogramming of existing equipment, free gateway setup, and free mobile readers, among other features. It is based in Orem, Utah, and is known for its focus on small and medium-sized businesses.

National Processing specifications

Features24/7 Customer Support / ACH Payments / Checkout & Payments / Collect Payments Easily / Customization Features / Industry-Specific Solutions / Online Payments / Payment Processing / Risk management / Sell Products & Subscriptions / Transparent Pricing / Unlimited Customization Options
Best suited forSmall businesses, Mid size businesses
Website languagesEnglish
Website URLVisit official website
Support linkSupport page
Live chatNo
Company addressUnited States
Year founded2008


National Processing pricing: How much does National Processing cost?

National Processing offers a variety of pricing plans tailored to different needs. Their low-cost monthly plans start at $9.95 for select industries, while subscription-based plans are available at $59 and $199 per month for merchants processing over $200,000 in transactions.

Industry-specific plans come with variable per-transaction fees, ranging from 0.12% plus 6¢ for nonprofits to 0.29% plus 15¢ for e-commerce.

Additional costs include a $15 per month fee for ACH processing and early termination fees ranging from $495 to $595. All plans come with free mobile readers and gateway setup.

Pricing rangeFrom $9.95 to $199 per month
Pricing typesMonthly subscription / Pay-per-use
Free planNo
Free trialNo
Money back guaranteeNo
Pricing page linkSee plans

National Processing pricing plans


Standard Monthly Plans

  • Low-Cost Monthly Plans: Available for select industries at $9.95 per month.
  • Subscription-Based Plans: Two options available at $59 and $199 per month for qualified merchants processing $200,000 or more in transactions per month.

Industry-Specific Plans

  • Nonprofit: 0.12% plus 6¢ per transaction.
  • Restaurants: 0.14% plus 7¢ per transaction.
  • Retail: 0.18% plus 10¢ per transaction.
  • E-commerce: 0.29% plus 15¢ per transaction.

Subscription and Subscription Plus Plans

  • $59-per-month Subscription Plan: Per-transaction costs are 0.0% plus 9¢.
  • $199-per-month Subscription Plus Plan: Per-transaction costs are 0.0% plus 5¢. This plan also offers a free terminal upgrade every two years.

Additional Costs

  • ACH Processing Plans: Available at $15 per month.
  • Early Termination Fees: Range from $495 to $595 if you close your account early.

Note: All plans include a free mobile reader and gateway setup, along with free reprogramming of existing equipment. The competitive price guarantee is limited to companies processing $10,000 or more per month.


National Processing features: What can you do with it?

National Processing is a comprehensive payment solution designed to meet the diverse needs of businesses across various industries.

From transparent pricing models and specialized industry solutions to robust risk management tools, the software offers a wide array of features aimed at simplifying payment processing.

Whether you’re in retail, e-commerce, or a high-risk industry, National Processing provides the flexibility, security, and efficiency you need to manage your transactions seamlessly. Here’s a closer look at its key features.

National Processing features 1

Transparent Pricing

National Processing offers transparent pricing models that eliminate hidden charges. This fosters trust and allows businesses to better manage their expenses.

Industry-Specific Solutions

The software provides targeted payment processing solutions for various sectors such as retail, restaurant, e-commerce, and nonprofit organizations. This ensures that the unique needs of different industries are met effectively.

National Processing features 2

High-Risk Industry Support

For industries labeled as “high risk,” including those prone to fraud or high chargebacks, National Processing offers specialized support to manage these challenges.

ACH Processing

Automated Clearing House (ACH) processing is available for handling one-time and recurring transactions. This feature facilitates direct debit payments, making it easier for businesses to manage their finances.

Free Equipment and Support

National Processing minimizes upfront costs by offering free reprogramming of existing equipment, free gateway setup, and even free mobile readers. This fosters an effortless setup process for businesses.

Risk Management

The software places a strong emphasis on security and risk management. It offers tools to detect fraudulent activity, thereby helping merchants protect their businesses from potential threats.

Subscription-Based Options

For businesses seeking continuous support and service, subscription-based options are available. These come with additional benefits like free pin pads or terminal upgrades every two years.

Virtual Terminals

Innovative tools like virtual terminals are available, adding to the software’s adaptability and making it easier for businesses to process payments online.

Customization and Flexibility

National Processing is designed to be highly adaptable, offering various subscription plans and custom pricing options to cater to a variety of business needs.

National Processing features 3

Payment Experience

The software is not just a credit card transaction management system; it’s a comprehensive payment experience designed to align with individual business objectives and budget considerations.


National Processing review: Why you should use it?

National Processing stands out for its transparent pricing and industry-specific solutions, making it a reliable choice for businesses in retail, restaurants, e-commerce, and even high-risk sectors.

The software offers innovative tools like virtual terminals and free mobile readers, adding to its adaptability across various business needs.

However, it may not be ideal for businesses with low processing volumes due to cost considerations.

Additionally, while it offers support for high-risk industries, the fees could be a barrier for some, and the custom pricing plans lack upfront details, which some customers may find inconvenient.


  • Transparent Pricing: National Processing offers clear monthly costs and transaction fees, eliminating any hidden charges and fostering trust.
  • Industry-Specific Solutions: The software provides tailored payment processing solutions for various industries, adding a layer of customization that serves unique business needs.
  • High-Risk Industry Support: Specialized support is available for industries considered “high risk,” such as those prone to fraud or high chargebacks.
  • Innovative Tools: Features like virtual terminals and free mobile readers add to the software’s adaptability and functionality.
  • Subscription Plans and Custom Pricing: These options cater to a variety of business needs, offering additional flexibility.


  • Not Ideal for Low Processing Volumes: Businesses with low transaction volumes may find the costs not aligning with their needs.
  • Increased Fees for High-Risk Industries: While support is available for high-risk sectors, the fees could be a barrier for some businesses.
  • Lack of Detailed Upfront Information: Custom pricing plans do not provide detailed, upfront information, which might require a sales call for clarification.
  • Restrictions on Free Equipment: Some offers, like the free equipment program, come with limitations that might not suit every business’s specific requirements.


Frequently Asked Questions

What industries does National Processing cater to?

National Processing offers specialized solutions for retail, restaurants, e-commerce, nonprofits, and even high-risk industries.

Is there support for high-risk industries?

Yes, National Processing provides specialized support for industries considered “high risk,” such as those prone to fraud or high chargebacks.

What are some of the innovative tools offered?

The software includes features like virtual terminals and free mobile readers, adding to its adaptability across various business needs.

Is National Processing suitable for businesses with low transaction volumes?

It may not be the best fit for businesses with very low processing volumes due to the cost considerations.

Are there any free trials or free plans?

No, National Processing does not offer a free trial or free plans. Pricing starts at $9.95 per month for select industries.

Is there a setup fee?

No, National Processing minimizes upfront costs by offering free reprogramming of existing equipment and free gateway setup.

How can I get more detailed information on pricing and features?

For more detailed, upfront information, you may need to get in touch with their sales team for a customized pricing plan tailored to your business needs.

National Processing Review, Pricing, Features with Pros and Cons
National Processing Review, Pricing, Features with Pros and Cons