National Processing offers several tiers of plans, primarily designed to match the volume size for each business, all of which are made very clear on their website. No free trials are available. Low volume retailers are offered interchange plus (percentage per transaction) pricing, with a $10 a month subscription fee.  Higher volume businesses are offered plans with higher flat fees but without the percentage markup. All plans offer a free Clover card reader or terminal but there might be some residual costs involved. Here is the breakdown for each plan:

Restaurant Plan

• $9.95 per month account fee – no monthly minimum
• Interchange + 0.14% + $0.07 per transaction
• Optional Clover Go Terminal

Retail Plan

• $9.95 per month account fee – no monthly minimum
• Interchange + 0.18% + $0.10 per transaction
• Optional Clover Go Terminal

eCommerce Plan

• $9.95 per month account fee – no monthly minimum
• Interchange + 0.29% + $0.15 per transaction
• Optional Clover Go Terminal

National Processing is a merchant services provider based out of Utah. Founded in 2007, the company boasts 8,000 plus US based clients and over 28 product categories. It might not be considered one of the industry’s giants; it certainly has what to offer especially to businesses which have medium to high volume of transactions, in the neighborhood of $10,000 per month and more. For smaller merchants, the attractive interchange plus option, coupled with a nominal 10 dollar a month fee can provide a considerable savings.  National Processing also accepts high risk merchants.

Free Reprogramming of Existing Equipment*

Having to reconfigure existing equipment to a new merchant service provider can be extremely time-consuming. National Processing reprograms certain equipment free of charge. It is advised to consult with National Processing regarding the equipment you use and whether or not you can receive this service with your existing equipment.

Chargeback & Risk Monitoring

Chargebacks can be a costly proposition for your business. National Processing keeps track of chargebacks and monitors potential charge risks as part of all of their basic packages.

A+ Rating with BBB 

National Processing has been accredited with the since 2008 and currently maintains its highest rating.

National Processing handles all of the basics, accepting Visa, Master Card, Discover, Amex, ACH, checks and gift cards. The tool itself only offers basic online reports. If you choose to use the Clover hardware/software, they offer a more extensive suite of reports and analysis.

National Processing is compatible with Android and Apple as well as with PC’s, POS stations and more. The most basic of equipment needed to start out would be a scanner/reader. The company works primarily with Clover systems (Go Terminal, Mobile Reader, POS Terminal, Pinpad, Flex or Mini) which they sell. The cost of which can be rolled into the monthly fee. National Processing hardware prices may not be listed, however, they sell most hardware at cost without markup.

National Processing claims it integrates with most types of payment software. As far as accounting software, it only seems to integrate with Quickbooks.

The initial setup of any new merchant service provider can be a bit complicated, especially if you’re using a new gateway. Fortunately, National Processing will take care of that process for you remotely and free of charge.  If you are using new hardware provided by National Processing, it will likely be one from the line of Clover devices that are both intuitive and easy to learn.