Affiliate & Editorial Disclosure

National Processing | Reviews by SmallBizGenius

ByDamjan Jugovic Spajic
February 21,2022
We form affiliate partnerships with some of the companies mentioned in our reviews, which means we may get a small monetary compensation every time you purchase a product using the links on our website. This does not influence the contents of our reviews. Learn more by reading our Affiliate disclosure.

National Processing is a reliable merchant processor that has been on the market for more than a decade. Its affordable rates and complete transparency about charges make it a good choice for startups and established companies alike. Thanks to the provider’s partnership with Clover Network, it can offer secure processing through high-quality POS devices scalable to every business’s needs. The company has an impeccable reputation, as confirmed by numerous National Processing reviews on the web. If you’re considering using this provider, read on. We’ve compiled all the basic information you need to make up your mind.

The company covers debit/credit card processing services and ACH payments, and also allows for easy transactions via mobile phones. All offers include high-quality POS hardware from Clover. For small merchants that want to gain a foothold in their industry, this is an all-in-one package that won’t break the bank.


Restaurant price per transaction: $10/month + interchange + 0.15% and $0.07 per transaction

pros thumb up Pros
  • No contract obligation
  • Low rates
  • High-quality POS devices
  • Complete fee transparency
cons thumb down Cons
  • Multiple fees
  • No live chat support

Pricing Plans

The company deserves full marks for transparency; the pricing page on the website gives you a full breakdown of the rates and fees that come with each subscription. Numerous National Processing user reviews on the web confirm there are no hidden expenses after you accept the deal. The company’s transparency claims seem to be legitimate.

In addition to that, National Processing assures potential users that it has the lowest rates on the market. If you manage to find a better deal elsewhere, the company will give you $500 if you choose National Processing anyway. That’s how confident management is. To qualify for this offer, your business must earn more than $10,000 per month.

National Processing Fees & Rates

The company uses an interchange-plus pricing system that’s divided into several tiers. Small and medium-size businesses are separated into restaurant, retail, and eCommerce categories. The fixed monthly prescription for all these options is $10 + interchange. If you want to know exactly how much you need to spend for each interchange fee, you can just refer to the company’s website. Continue scrolling down the National Processing pricing page and you’ll find detailed examples of how much you’ll pay for a $100 transaction with various Visa options.

Type of Business

Price Per Transaction


$10/month + interchange + 0.15% and $0.07 per transaction


$10/month + interchange + 0.20% and $0.10 per transaction


$10/month + interchange + 0.30% and $0.15 per transaction

Larger businesses are divided into two categories – those that earn less than $200,000 per month and those that exceed it. The difference in monthly fees for National Processing services between these two categories is quite dramatic. Big earners will benefit from slightly smaller fees per transaction, but whether that makes up for the huge subscription fees is questionable.

Monthy Income

Cost Per Transaction

less than $200,000

$59/month + interchange + $0.09 per transaction

Monthly income of more than $200,000

$199/month + interchange + $0.05 per transaction

Keep in mind that all subscriptions include POS equipment provided by Clover. Small businesses get the cheapest terminal, Clover Go. It is a simple device that lets you accept payments and synchronize your transactions with Android and iOS devices.

Bigger companies that earn less than $200,000 per month get other benefits besides the secure National Processing gateway. The package also includes a mobile reader, a terminal, and a pin pad free of charge. The package for high earners comes with more sophisticated POS devices – Clover Mini or Flex – and a free terminal upgrade every two years.

Features & Integrations

High-Quality POS Devices

National Processing’s partnership with Clover has resulted in some exceptional equipment, as you’d expect from a great credit card processor. Depending on the subscription package you opt for, you’ll receive one of the following devices:

– Clover Go – The smallest and cheapest terminal is reserved for small businesses that appreciate compact functionality in a POS device. The main advantage of this terminal is that it’s completely mobile and compatible with your phone. You can sync it with other Clover devices and keep track of all your transactions remotely.

-Clover Flex – This is a slightly larger option that acts as your terminal, register, and receipt printer. It’s also an excellent option for small business merchant processing because it’s portable and has a really simple user interface.

-Clover Mini – Both Flex and Mini cater primarily to larger businesses that need high-end equipment. Mini is an exceptional choice because it lets you manage your inventory directly from its interface and easily set up employee permissions. Thanks to the fact that it integrates with an app, you can keep an eye on orders, come up with rewards, or draw customers in with promotions.

-Clover Station – This is the ultimate device for dealing with all your merchant needs. Not only is it the best small business credit card processing service on the market, but it also does an exceptional job of handling huge merchant enterprises. It’s an all-in-one solution that every serious company should opt for.

Selection of Features

Even though you’ll find the exact pricing range on the company’s website, you can also ask for a customized offer designed specifically to fit your business. All you need to do is contact the company’s representatives and explain your needs. There is also the option to get your own personal, dedicated account executive to make sure everything goes according to plan.

One of the major benefits users see in this company’s services is smartphone processing. As is evidenced by National Processing reviews on the web, merchants require integration with mobile devices because it’s popular among shoppers. National Processing excels in this field with well-optimized, smooth mobile transactions and easy app integration for additional customization.

Contract Length and Termination Conditions

Most companies can agree that the best card processing for small business is one that doesn’t lock you in with a long-term contract. National Processing requires a monthly subscription, but you don’t need to sign an annual contract. The company’s marketing team regularly reminds its users that it’s possible to terminate the subscription at any time without any cancellation fees or penalties. However, that’s not entirely true. If your business requires POS devices from Clover, the cancellation fee will be the cost of the equipment. This makes sense, but it’s still worth mentioning because there’s nothing worse than an unexpected expense.

Obviously, the best way to make sure that these conditions function as advertised is to ask users directly. Every National Processing review we’ve found on the web seems to confirm the company’s claims regarding cancellation. There have been no verified complaints about this or any fine print stipulations. Keep in mind that you will be charged for the full month once you decide to cancel the service, but that’s hardly surprising. You’d get the same treatment from any other company.

BBB Rating

According to the Better Business Bureau, National Processing was accredited in 2008 and currently holds a rating of A+. The National Processing BBB rating is based on a number of factors, including client complaints, licensing, and advertising. Because the BBB functions as a mediator between businesses and clients, it also matters whether or not company representatives are willing to discuss and solve the issues at hand. National Processing right now has one complaint from a client, but it has been answered and resolved with well-documented statements and screenshots as proof.

There are no National Processing reviews on the BBB site. If you’d like to see what some other users have to say about the company, there are numerous other destinations you can visit. Your first stop should be the company’s website and the reviews section. This is basically a selection of user comments from all over the internet with legitimate links to each one so you can double-check their validity. Usually these are comments on Google, Facebook, or BestCompany. Of course, you can also search the web manually to find some objective opinions.

Customer Service

This merchant account provider offers customer support in a number of ways. The easiest and usually quickest way to get help is to call one of the company’s toll-free phone numbers and talk directly to a support agent. Getting a quote or finding out more about the company’s features won’t take more than 15 minutes of your time. It’s all straight to the point and as transparent as possible. If you’re not immediately available for consultation, you may also schedule a call directly on the site using the calendar.

The alternative is to use the site’s contact form or send an email directly to the provided address. The website lists the address for National Processing in Utah as part of the contact information, but you’re most likely not supposed to visit that office without calling first. 

You may also share any concerns you have on National Processing’s social media channels. Unfortunately, there’s no live chat option. In its place there’s just a widget that lets you leave your phone number so company representatives can text you back.


Before we conclude our national merchant services review, we need to address one important issue. Due to the fact that this company has a fairly generic and forgettable name, it can easily be confused with some other businesses. For example, National Processing Company (also abbreviated as NPC) is an entirely different merchant account provider that, unlike the company we’re reviewing, has numerous complaints and pending lawsuits. Another candidate for linguistic misunderstanding is the National Processing Center, which is an unrelated government agency working under the US Census Bureau. It’s easy to mix these up.

Once that is out of the way, we can focus solely on National Processing service. This provider is an excellent choice for a number of reasons. First, you get some of the lowest rates in the industry, with the fairly confident promise of $500 if the company fails to live up to its claims. It is not a huge reward for merchants that are banking more than $10,000 a month, but it will cover a couple of months’ worth of subscription fees. Another great point is the company’s transparency. This resulted from criticism it got a few years ago about being too secretive about prices. Management listened and took action, which is admirable.

One of the biggest concerns that appear in many National Processing user reviews on the web is the multitude of fees. The company uses the interchange-plus system with multiple pricing levels. Because of that, the average user can easily lose track of expenses and spiral out of control. 

Nonetheless, considering the quality of the service and the equipment provided by Clover, National Processing still gets our full recommendation.

Similar products/software

When was National Processing founded?

According to information on the BBB website, the company was founded in 2007 by Wayne Hamilton and fully accredited a year later.

Is National Processing trustworthy?

As evidenced by many National Processing reviews on the internet, this is a reliable and trustworthy company that delivers on its promises. It has a BBB rating of A+ with no major complaints from past clients

What are the National Processing fees?

The company offers various monthly subscriptions depending on the merchant business size. It is an interchange-plus system, so you pay the monthly subscription plus interchange fees and transaction fees. The eCommerce plan for small businesses costs $10/month plus interchange plus 0.30% and $0.15 per transaction.