National Processing Review

flag 24/7 customer support
  • Customized pricing plans available

  • Transparent & affordable fee structures

  • Thousands of happy customers

  • Free quotation

Pros & Cons

  • Transparent Pricing Tiers
  • 24/7 Customer Service
  • Extensive Selection of Articles Available
  • Online Flexible Hardware & Software Packages
  • No Monthly Minimum
  • No free software with POS, analytics etc.
  • Lack of FAQ on Website

Plans & Pricing

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

Large Volume Business Plan

  • $59.95 per month account fee
  • Interchange + 0% + $0.09 per transaction
  • Optional Clover Hardware: Go Terminal, Mobile Reader, POS Terminal & Pinpad

Very Large Volume Business Plan

  • $199.95 per month account fee
  • Interchange + 0% + $0.05 per transaction
  • Optional Clover Hardware: Go Terminal, Mobile Reader, POS Terminal, Pinpad, Flex or Mini, Free Terminal Upgrade Every 2 years

Large Volume Business
Very Large Volume Business


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.


  • "Price"
    10 /10
  • "Features"
    9 /10
  • "Ease of USe"
    9 /10
  • "Help and Support"
    10 /10

Features and Functionality

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.

Hardware Requirements

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.


Integrations & Add-ons

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

Ease of Use

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.

Customer Support

National Processing boasts a comprehensive and responsive 24/7 customer support over via phone (toll free number) and e-mail. They recently added a live chat function on their website in which you can write a message which they respond to quickly.

  • 24/7 Help & Support
    There is 24/7 help and support available
  • Phone Support
    There is phone support using a toll free number 24/7 available
  • Live Online Chat
    There is live chat support: you can write to customer support ,agents and partnerships
  • Email
    Email support is available 24/4

Final Word

National Processing might not provide the bells and whistles as some of the larger merchant service providers but they do have quite a bit to offer businesses of all sizes. Perhaps their greatest asset is their simple and transparent pricing plans which make it easy for owners to decide if it’s a good option for them. Smaller operations will only need to pay the ten dollars a month and the interchange rate. Larger enterprises pay a higher monthly fee but no percentage markup. That’s a hard deal to beat from the financial point of view. Top that off with a solid, basic package of services and a very responsive customer service department, National Processing is certainly worth looking in to.

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Andrew Omalley>
Andrew Omalley

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.

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