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National Processing

National Processing

Smarter Payment Processing for Growing Businesses

#6 dans Point of Sale
2 min read · Updated 10/5/2025
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At a glance

Quick overview for National Processing: rating, pricing summary, key features, and highlights.

Ciroapp review

2.0
Competitive Rates, Extreme Service Risk

We note that National Processing presents competitive, tiered pricing structures and guarantees low transaction rates. However, user experiences consistently describe significant hidden fees, outright deception regarding billing, and functionally non-existent customer support. Overall, we cannot recommend a provider whose operational transparency and reliability are this severely compromised.

Pros

  • Pro:Explicitly structured 3-tier pricing with low advertised transaction rates.
  • Pro:Advertised transaction fees start competitively low (2.41% + 10¢).
  • Pro:No PCI compliance fees for compliant merchants are advertised.
  • Pro:Option for free reprogramming of existing POS equipment.

Cons

  • Con:Massive discrepancy between advertised rates and fees actually charged (hidden fees).
  • Con:Customer support is widely reported as consistently unresponsive and unhelpful.
  • Con:Long or indefinite holds placed on merchants' processing funds.
  • Con:Complaints about unreliable and mediocre POS equipment quality.
Range: $14.95–$19+/monthMonthly subscription, Usage-based pricing
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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National Processing review, pricing, features, pros & cons

Businesses often struggle with opaque processing fees and confusing rate structures. Finding reliable support when you need it can also feel impossible. National Processing aims to solve these common frustrations. ✨

They offer reliable payment solutions designed to help you save more and scale smoothly. Plus, you get the benefit of trusted, U.S.-based support available 24/7.

What is National Processing?

National Processing offers comprehensive merchant services and credit card processing. This service covers everything you need, whether you require in-person terminals or seamless online eCommerce integration. They provide tailored payment solutions to businesses across all industries, including retail, food service, and enterprise.

For over 17 years, NP has focused on offering transparent and reliable solutions, earning them recognition as a top-ranked U.S. processor. ✅

National Processing Key Features

✨ Flexible Payment Acceptance, Anywhere

National Processing offers comprehensive services whether you need in-person terminals or seamless online integration. You can process payments quickly and securely using cutting-edge smart terminals and dedicated Point of Sale (POS) systems. This advanced equipment ensures reliable acceptance of all major credit cards and payment methods.

For businesses focused on digital sales, we offer robust eCommerce solutions. Our plans include direct integrations with top eCommerce platforms. This helps you manage online sales and Mail Order/Telephone Order (MOTO) transactions efficiently, supporting your business growth across every channel.

✨ Transparent Pricing and Guaranteed Savings

Say goodbye to complex rate structures and unnecessary surprise costs. National Processing is built on the promise of transparent pricing and guaranteed low rates. We ensure your monthly cost structure stays predictable so you can plan effectively.

If we can't beat the rates you currently receive, we offer a $500 guarantee for qualifying merchants who process a significant volume. Plus, when your business remains compliant, you avoid separate PCI compliance fees. This commitment to clear pricing allows you to focus on your operations, not on navigating confusing processing statements.

✨ Unrivaled 24/7 U.S.-Based Support

When you need help with your payments, you should receive reliable assistance, not an automated runaround. We refer to our powerful commitment to service as “Customer Elevation.” This means you receive unrivaled care every step of the way, from signing up to daily use.

Our expert support team is U.S.-based and available 24 hours a day, 7 days a week. We ensure your business needs are met around the clock. This dedicated support system helps you resolve any issues promptly so you can maximize uptime and focus entirely on serving your customers.

✨ Equipment Freedom and Simple Setup

You need payment hardware that works reliably and handles infinite transaction options. We provide premium, durable, and user-friendly Point of Sale systems and smart terminals. These systems are designed to make lost connections and shaky integrations a thing of the past.

If you already own payment hardware, there is no need to buy new equipment immediately. National Processing offers free reprogramming of your existing equipment. This option makes the transition quick, simple, and highly cost-effective for your business.

✨ The Deed to Your Data and Reporting Controls

You should always maintain full ownership and control over your critical business insights. National Processing gives you the “Deed to Your Data,” which ensures your information is protected and accessible.

This feature provides accessible reports and key metrics essential for monitoring growth and making informed decisions. All your information is secured for privacy and trust. You can access these vital growth metrics easily across any device or platform you use.

✨ Tailored Solutions for Every Industry

We believe your payment processor should understand the unique needs of your business sector. National Processing offers trusted and tailored payment solutions for companies across all industries. We add value and efficiency regardless of your scale.

This includes specific offerings for Retail, Food & Beverage, and high-volume Enterprise clients. We also serve specialized sectors like Health & Wellness and High Risk merchants, providing secure, flexible processing with built-in chargeback defense.

Use Cases

💰 Saving Money Through Guaranteed Low Rates

Your growing retail business processes thousands of dollars every month. You suspect your current provider is overcharging you or using confusing tiered pricing. National Processing offers a guarantee to beat your existing rate if you process $10,000 or more per month.

If they cannot lower your total processing costs, they will give your business $500. You get transparent pricing, often as low as 2.41% + 10¢, depending on your chosen plan. This provides certainty and eliminates the hidden fees that hurt your bottom line.

🍽️ Scaling an Expanding Food Service Venue

Problem: Your successful restaurant needs to manage high transaction volume and requires robust hardware. You need powerful POS system access combined with the best possible transaction rates.

Approach: Upgrade to the Advanced Plan, starting at $19 per month. This plan provides the lowest processing rate (2.41% + 10¢) and grants access to top-tier Point of Sale systems. You can choose equipment designed for your specific industry, ensuring speed and reliability.

Expected outcome: You streamline operations using integrated, durable equipment built for speed. Faster funding options are also available to support quick cash flow for new locations.

💻 Launching a New E-Commerce Store

Setting up digital payments should be simple and reliable. If your focus is entirely on online sales or mail-order transactions (MOTO), the Basic Online package is ideal. This plan costs just $14.95 monthly.

You benefit from transparent rates of 2.9% + 30¢ per transaction. The platform includes direct integrations with all the most popular e-commerce platforms. You can manage digital sales easily without needing a physical terminal.

📞 Resolving Unexpected Technical Issues

Imagine your card reader stops working during the dinner rush on a Friday night. You cannot afford to wait until Monday morning for support. This is where National Processing’s ‘Customer Elevation’ truly matters.

Step 1: Contact the U.S.-based support team instantly, available 24 hours a day, 7 days a week. Step 2: Receive immediate, professional assistance from a representative who understands your account. Step 3: Quickly resolve the technical issue and get back to processing payments efficiently.

Tip: They pride themselves on knowing your business and minimizing costly downtime.

🔄 Switching Processors Without Buying New Hardware

You want to switch payment processors to save money, but you do not want to replace your existing smart terminals or equipment. National Processing removes this barrier for you. They offer free reprogramming of any equipment you are currently using.

If you prefer new hardware, you can select your smart terminal. Fast and free shipping is included with the Basic In-Person plan for a rapid setup.

📊 Securing and Utilizing Your Business Data

You need accessible insights into your transactions to monitor growth and manage inventory. National Processing gives you the “Deed to Your Data.” This key feature ensures complete transparency and control.

It provides accessible reports and core growth metrics. This data is fully secured for your privacy and accessible on any device. You receive secure, reliable reporting to make smarter business decisions.

⚙️ Customizing Solutions for High-Volume Enterprise

If your business consistently processes over $30,000 in monthly sales, you need a customized payment structure. Enterprise clients require specialized, high-volume solutions built to integrate easily with complex tech stacks. National Processing designs unique packages specifically for you.

This ensures you get the maximal fee reduction and efficiency. You receive a personalized over-the-phone demo to tailor the structure to your exact needs.

Pricing Overview for National Processing

Pricing range
$14.95–$19+/month
Pricing types
Monthly subscription, Usage-based pricing

National Processing offers transparent merchant services with two basic plans starting at $14.95 per month, plus variable transaction fees. Pricing scales up to the Premium plan, starting at $19 per month, which offers the lowest processing rates and robust Point of Sale system access.

Plans & Pricing

Basic In-Person

Monthly$14.95
Manual processing: 3.5% + 15¢
  • 2.5% + 10¢ In Person Processing Fee
  • Designed for simplicity
  • 24/7 U.S.-based support
  • No PCI compliance fees
  • Can choose a card reader solution
Get Started

Basic Online

Monthly$14.95
  • 2.9% + 30¢ eCommerce Processing Fee
  • Optimal for e-commerce and MOTO transactions
  • 24/7 U.S.-based support
  • No terminal needed
  • Direct integrations with top eCommerce platforms
Get Started

Premium

Monthly$19+
Manual processing: 3.5% + 15¢
  • 2.41% + 10¢ In Person Processing Fee
  • Access to top-tier Point of Sale systems
  • Designed for rapidly expanding businesses
  • Unmatched 24/7 U.S.-based customer support
  • Ability to choose a variety of POS systems
Get Started

National Processing costs between $14.95 and $19+ per month with 3 core plans: Basic In-Person at $14.95/mo., Basic Online at $14.95/mo., and Premium at $19+/mo.

The company is committed to crystal-clear pricing, meaning you won't find unexpected costs.

Basic In-Person

Price: $14.95/month, plus 2.5% + 10¢ per transaction (3.5% + 15¢ manual entry) Websites Supported: Not explicitly stated Best For: Businesses needing a card reader solution Refund Policy: Not explicitly stated Other Features:

  • Industry leading rates
  • 24/7 U.S.-based support
  • No PCI compliance fees for compliant merchants
  • Free & fast shipping for smart terminals

If you run a business primarily accepting payments in person, this plan offers a simple, straightforward solution. You get excellent transaction rates when customers tap or swipe their cards. Plus, you benefit from continuous, U.S.-based support whenever you need assistance.

Basic Online

Price: $14.95/month, plus 2.9% + 30¢ per transaction Websites Supported: Not explicitly stated Best For: Businesses focused on e-commerce website and MOTO transactions Refund Policy: Not explicitly stated Other Features:

  • Transparent, industry leading e-commerce rates
  • Continuous U.S.-based support, available 24/7
  • No PCI compliance fees for compliant merchants
  • Direct integrations with top eCommerce platforms

This plan is optimized for selling online or capturing telephone orders. It includes strong integrations with popular e-commerce platforms, helping you manage digital sales easily. Your modest monthly fee makes it a great option for growing your digital presence.

Premium

Price: $19+/month, plus 2.41% + 10¢ per transaction (3.5% + 15¢ manual entry) Websites Supported: Not explicitly stated Best For: Rapidly expanding businesses needing robust Point of Sale systems Refund Policy: Not explicitly stated Other Features:

  • Access to top-tier Point of Sale systems
  • Industry leading rates designed for scaling businesses
  • Unmatched 24/7 U.S.-based customer support
  • Faster funding availability (optional)

The Premium plan is built specifically for businesses that are expanding quickly and need powerful POS capabilities. You get the benefit of the lowest transaction rate (2.41% + 10¢), along with access to advanced POS systems and features like faster bank funding. This is ideal if you are processing significant volume and require robust management tools.

National Processing does not explicitly state a traditional free trial or free plan. However, they offer a powerful assurance: if they can't beat your current rates, they will give you $500! This demonstrates confidence in providing competitive pricing and value.

User Reviews

National Processing heavily advertises reliable service and guaranteed low rates. However, user feedback reflects a massive gulf between marketing and reality, resulting in a 2.3/5 Trustpilot score 😥.

While a few clients initially noted low fees, pervasive complaints detail significant pricing issues, with users repeatedly stating they encountered “hidden fees,” “outrageous prices,” and discovering “additional rates” after signing up. The most critical issue recurring across nearly all negative reviews is customer service.

Users describe waiting on hold for hours, receiving slow or non-existent responses, and dealing with unhelpful staff. Functionality problems also surface, including reports of long holds on funds, unreliable ACH systems that fail to notify customers of rejected payments, and outdated credit card terminals needing weekly updates.

Overall, the sentiment strongly warns potential customers away due to unreliable service, poor communication, and what many describe as highly deceptive billing practices.

What users say elsewhere

Emily P.
· Trustpilot
5.0 / 5

We have only been with National Processing for a couple of months. The customer service response times and help resolving our issues thus far has been great. We appreciate the initial support we’ve received.

Chuck K.
· Trustpilot
1.0 / 5

These guys look good up front, but they are great at inventing ways to screw your business out of money. There were so many hidden fees that management couldn't even explain. My best advice is to avoid them entirely.

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Why use National Processing?

Why should you choose National Processing to manage your business payments? The decision comes down to guaranteed savings, transparent plans, and reliable customer service. They focus on delivering low rates and hassle-free service so you can focus entirely on your growth.

Here are compelling reasons to switch today:

  • Guaranteed Low Rates: NP promises guaranteed low rates and simple monthly service fees starting around $14.95. If you process $10,000 or more per month and they can't beat your current rates, they offer a $500 guarantee.
  • Unrivaled Customer Care: This is the core of their “Customer Elevation.” You receive reliable, U.S.-based support ready to assist your business 24 hours a day, 7 days a week.
  • Transparent Pricing Options: You can choose a plan that fits your volume needs. Options include Basic In-Person (2.5% + $0.10) or Advanced Plans (2.41% + $0.10). They operate without the hassle of hidden fees.
  • Data Control: You maintain the “Deed to Your Data.” This gives you accessible reports and key growth metrics, secured for your privacy and trust across all devices. 💡
  • High-Quality Equipment: They provide premium point-of-sale systems and smart terminals. They also offer free reprogramming of any existing equipment you are currently using.

National Processing is a smart choice for growing businesses ready to simplify their payment structure and save money. If you are processing a significant volume monthly and tired of confusing fees, the transparent value and strong support here are clear. Take the next step and review their plans today to get started on saving. 🚀

Ready to transform your workflow with National Processing?

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Frequently Asked Questions

How quickly will processed funds appear in my business bank account?

Standard funding usually takes 2–3 business days after a transaction is completed. If you need quicker access to your money, faster funding is listed as an optional feature available with the Premium package. You'll need to contact the sales team directly for specific information regarding eligibility and cost.

Which specific eCommerce platforms integrate with the Basic Online package?

The official site states that the Basic Online plan offers 'Direct integrations with top eCommerce platforms.' However, the company does not explicitly name which specific platforms, such as Shopify or WooCommerce, are supported on the website.

Is the pricing based per user or strictly on usage and transaction volume?

Pricing is based on usage volume and includes a fixed monthly fee, which starts between $14.95 and $19+. You will also pay a variable fee per transaction based on the rate structure of your chosen plan. This is not a per-seat licensing model.

How can my business avoid paying the extra PCI compliance fees?

National Processing will waive the PCI compliance fee only if your business maintains full compliance with the current industry PCI security standards. This waiver is offered to compliant merchants across all the listed service plans.

What is the recommended minimum or maximum monthly processing volume?

NP advertises a custom pricing package specifically created for businesses processing over $30,000 in monthly sales volume. Furthermore, their $500 rate guarantee only applies to merchants who process $10,000 or more per month.

If I switch to National Processing, can I use my existing payment terminal equipment?

Yes, NP offers complimentary reprogramming of your existing equipment during the setup process. This is designed to help you transition smoothly without requiring an immediate purchase of new hardware.

Does NP offer a service level agreement (SLA) guaranteeing specific support response times?

National Processing emphasizes its 'Unmatched' 24/7 U.S.-based support for continuous, expert assistance. However, a formal, publicly listed service level agreement detailing guaranteed response or resolution times is not explicitly stated on the official site.

What happens to my data if I decide to switch processors or close my account?

National Processing promises a 'Deed to Your Data,' assuring that you maintain ownership. Your reports and key growth metrics are secured for your privacy and trust, regardless of the devices you use.

What is the cancellation process, and are there any cancellation fees or contracts?

Not explicitly stated on the official site. Details regarding the cancellation policy, potential early termination fees, or contract lengths are not publicly available and should be reviewed thoroughly in the service agreement.

Who benefits the most from the Basic In-Person plan?

The Basic In-Person plan is ideal for businesses that primarily accept payments using a physical card reader solution. At $14.95 monthly, it provides competitive rates for in-person transactions and includes a smart terminal.

Does National Processing offer services or support for businesses located outside the U.S.?

Not explicitly stated on the official site. The company heavily promotes its 24/7 U.S.-based customer support, strongly suggesting its services are primarily focused on the U.S. domestic market.

Does the premium plan charge extra for point-of-sale (POS) system access?

The premium plan, starting at $19+ per month, grants access to top-tier Point of Sale systems. The required monthly cost varies based on the specific features and POS systems you select within that package.

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