"National Processing is loved for it's transparent pricing"
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0 Ease Of Use
0 Features
0 Help And Support
  • Transparent pricing (and other information)
  • Plans suitable for both low and high-volume businesses
  • Great online ratings and few public complaints
  • Lots of free hardware
  • Early termination fee on free equipment
  • Free equipment only with long-term contract
Company Background

Transparency is unfortunately sorely lacking in the payment processing industry. That’s what makes National Processing such a refreshing sight — this merchant services firm is pretty open about its plans, pricing, and fees.

National Processing offers numerous other benefits, though, from a broad-reaching selection of plans to free hardware and more. They even donate some of their proceeds to Operation Underground Railroad, a nonprofit organization dedicated to fighting and ending child trafficking and slavery.

Read our full National Processing review to learn more about this merchant services firm.

Plans & Pricing

National Processing offers plans perfect for both small, low-volume firms and larger enterprises.

The “small-to-medium business” plans come with a low monthly fee but higher transaction rates, making them more cost-effective when not moving a lot of volume. On the other hand, they offer “larger business” plans with higher monthly fees but rock-bottom transaction rates (perfect for higher-volume companies).

Every plan that National Processing offers comes with chargeback and risk monitoring, next-day funding capabilities, PCI compliance support, a Quickbooks integration, domestic 24/7 support, and a rate lock guarantee (although SwipeSimple software fees may apply).

Some other fees include:

  • PCI Compliance Fee: $7.95 per month
  • AVS Fee: $0.05 per verification
  • Batch Fee: $0.10 per batch
  • Chargeback Fee: $15.00 per chargeback
  • Retrieval Fee: $5.00 per instance
  • Voice Authorization: $1.50 per authorization
0.18% + $0.10/transaction
0.14% + $0.07/transaction
0.29% + $0.15/transaction
0% + $0.09/transaction
Subscription Plus
0% + $0.05/transaction


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


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


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


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

Subscription Plus 

  • $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
  • Free SwipeSimple Mobile Reader *
  • Free SwipeSimple Terminal *
  • Rate Lock Guarantee *

*If you receive free equipment, then a cancellation fee applies only for the cost of equipment

*Additional SwipeSimple software fees apply

 *Pricing based on low-risk merchants

Features & Functionality
General Features

Features and Functionalities

Merchant Account

Although National Processing outsources its merchant services to a larger player, its offerings remain among the best in the market. On this platform, you can actively manage your merchant account and monitor your sales, collect and store your customers’ contact information, boost your sales, and expand your business by enabling multiple payment options.

Payment Gateway

If you are an eCommerce merchant, National Processing dares to offer you a friendly, cost effective tool for processing your online payments. This process gateway is intuitive, making both your shopping and payment processes convenient for users. This feature is also particularly suited for online store websites built from scratch.

POS Service

National Processing offers premium POS services by deploying advanced, and yet intuitive Clover devices. From the Clover Mini, to the Clover Go, and the double-screened Clover Station, these terminals make card payment processing highly efficient.

For one thing, the Clover Flex terminal is portable, replaces printers and registers, and helps you efficiently monitor your inventory. On the other hand, the Clover Mini supports a wide range of barcode scanners, kitchen printers and other accessories. It also manages your inventory and employee database.

The Clover Station, in particular, gives you access to your transactions and comprehensive reports, even on the go. With this terminal, you can access an application marketplace where you find a wide array of useful business apps.

Mobile Payment Processing

National Processing has gracefully covered for when you may need to run payment processes on the go. It features outstanding mobile tools for processing payment from mobile services like MasterCard PayPass, Apple Pay, Visa PayWave and Samsung Pay.

This service utilizes the SwipeSimple Virtual, A920, and B250 terminals, and the Dejavoo Z9 device. These systems streamline your sales and marketing endeavors by helping you to collect and store your customers’ contact, and also monitor your payment history for each customer.

Flexible Payment Options

This platform gives you the freedom of choosing from a wide range of payment options. It has its unique ACH software to effortlessly process your ACH and online check payments. You can also receive payments directly from Samsung Pay, Apple Pay, MasterCard PayPass and Visa PayWave directly from your mobile devices. And its POS system allows you process credit and debit card payments smoothly.

Integrations and Add-Ons

National processing offers its users a wide range of integration options. The platform allows you to sync a host of other business solutions to your merchant account, for greater flexibility and convenience. There are also multiple APIs available to help you customize your payment options and gateways.

For bookkeeping, you can integrate your National Processing account with QuickBooks at $7 every month. But then, QuickBooks Servers and QuickBooks Online are not supported on the platform.

Using an external plugin, you can also fully integrate your National Processing merchant account with a number of ecommerce platforms to foster your online sales. These platforms include Shopify, BigCommerce, Ecwid, WooCommerce and Opencart.

If you use the Zendesk customer service platform, you can also integrate it into your National Processing account for a seamless workflow.

  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Cash Transactions
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
Hardware & Software

National Processing provides plenty of free hardware depending on the plan you choose, and the company will even reprogram specific existing equipment for free regardless of plan.It is advised to consult with National Processing regarding your equipment to assess if they can reprogram it. There is no need to worry about ensuring you have the right hardware since National Processing will take care of it for you.

  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
Pricing Options Automations
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Annual Subscription
  • One-Time License
Sales Channels
  • Instore Sales
  • Online Sales
  • Mobile Sales
Ease of Use

National Processing is a web-based merchant processing platform. It has an intuitive interface and does not require expert technical skills to be set up. It also doesn’t require large file installations and downloads to be used. By simply creating an account, and subscribing to the plan best suited for your business, you can begin to process payments for your restaurant, retail store or eCommerce platform.

To exhaustively serve as an eCommerce payment channel, National Processing incorporates Authorize.Net, which is also not a complex system, into your online platform.
This merchant service provider uses the Clover series terminals, and you are eligible to request them for free if you process a minimum volume of $10,000 per month. Its Dejavoo 79 hardware makes mobile payment processing completely seamless, and you get to enjoy their Bluetooth-enabled SwipeSimple B250 for contactless payment processing.

What if you don’t want hardware? Well, this merchant service provider will also be good for you because it has a functional virtual POS platform to help you run your business conveniently. From these platforms, you can easily run key-in transactions, create payment links and recurring transactions, and also send invoices.
Overall, the platform can be accessed from your mobile phone, tablet, or desktop. It is also supported on iOS and Android systems.

Customer Support

In a bid to offer their customers an unprecedented merchant processing service, National Processing has a number of active support channels.

Additional support:

Blog: Check out National Processing’s Insights section for blog articles on payment processing matters.

24/7 Help & Support
24/7 Help & Support
Phone support is available 24/7 at 1-800-720-3323.
Phone Support
Phone Support
Available 24/7 at 1-800-720-3323.
Live Online Chat
Live Online Chat
Available at the bottom of the web page as well.
"Email Us" button at the bottom of any of its web pages.
Video Tutorials
Video Tutorials
National Processing has a few YouTube videos.
Final Word

Overall, National Processing is a remarkable merchant service provider – especially if you intend to use it for a small or medium-sized business. Their rates are noticeably low, and their range of services is exceptional. However, you need to be careful about joking with their contract period – especially if you want to use ‘free’ hardware. Their $295 early termination, $99 PCI non-compliant fees can quickly scale down the profits you’ll enjoy from them. But if you stay good and stick to the deal, you can easily scale your profits while expanding your growth opportunities. Do well to acquire as much information on unpublished service costs from their sales team, before committing to the service.

Murad Jaffery
Author: Murad Jaffery
Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.