National Processing Review 2023: Fees, Features and Alternatives

This payment processor offers competitive rates and works with high-risk businesses, but requires long-term contracts.
Whitney Vandiver
By Whitney Vandiver 
Edited by Sally Lauckner

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NerdWallet rating 

What is National Processing?

National Processing is a payment processor with competitive rates, useful integrations and compatibility with several card readers. It works with high-risk merchants. Its long-term contracts make it a so-so choice overall, but it’s a competitive option for businesses in high-risk industries.

Deciding factors

Processing rates

  • Basic In-Person Package: 2.5% plus 10 cents per transaction.

  • Basic E-Commerce Package: 2.9% plus 30 cents per transaction.

  • Advanced Package: 2.41% plus 10 cents.

  • Premium Package: quote-based.

Monthly fees

  • $12 for Basic In-Person Package, Basic E-Commerce Package.

  • $19 and up for Advanced Package.

  • $9.95 and up for Premium Package (for businesses with monthly sales volumes exceeding $30,000).

Hardware cost

Undisclosed; you have to call to get a quote. National Processing sells card readers and bundles of POS hardware from third-party manufacturers, including hardware from Clover.

Accepted payment methods

Cash, credit and debit cards, digital wallets and ACH transfers.

Contract length

Two to three years; early termination fee runs $495 to $595 (with some exceptions).

Customer support

Technical support is available 24/7. Other customer support services are available Monday through Friday by phone, chat, online tickets and SMS.

National Processing’s payment processing fees are only guaranteed for merchants that process at least $10,000 in sales a month.

National Processing features


Customers choose a plan based on either their type of business or the types of payments they want to accept. Because each plan’s features are already determined, there’s no room for customization.

National Processing has plans for the following types of businesses:

  • Restaurant.

  • Retail.

  • E-commerce.

  • Service-based.

  • High-risk. 

It also offers an ACH processing plan for transferring funds between banks; it does not include credit card processing capabilities. Plans cannot be combined, so you’ll need to determine which type of payment processing works best before choosing a plan.

All plans except the ACH processing plan include a free mobile card reader and allow you to have your existing equipment reprogrammed to work with the National Processing system. Other plan features include free gateway setup, a virtual terminal and recurring transaction options.

Point-of-sale system

National Processing offers point-of-sale (POS) systems from different companies, including Clover and SwipeSimple. The Clover Duo, for example, has a customer-facing screen for tipping in quick-service environments, while the Clover Mini is more compact. Hardware pricing is quote-based.

Credit card readers

One of the cool features of National Processing is that it lets you purchase a Clover or SwipeSimple credit card reader with your account or use one you already have.

The company can also reprogram some existing card readers, which means you might be able to keep your favorite model if you switch to National Processing.

Payment gateways

National Processing has its own processing gateway for online transactions. This allows you to connect your shopping cart with a POS system or virtual terminal to sell your products through your website.

You can also use as your payment gateway. If you already have an account, you can work with to reprogram the gateway to work with National Processing as your processor.

National Processing pros

Works with high-risk merchants

National Processing works with multiple banks with high risk tolerance, allowing them to provide services to merchants in high-risk industries. The company also provides several ways for high-risk businesses to mitigate their risks, including fraud and chargeback management tools. These tools can make it easier to avoid potential losses and maintain a good processing track record.

Offers popular integrations

National Processing offers several good integrations for accounting, online selling and shopping carts. Available integrations include:

These integrations can save you time, make your checkout more streamlined and reduce accounting errors.

National Processing cons

Fees add up

All plans require customers to pay a monthly fee in addition to transaction fees.

Contract required

National Processing requires a two- or three-year contract, and it charges an early termination fee (with a few exceptions).

National Processing alternatives

Square: No long-term contracts

Payment processing fees:

  • 2.6% plus 10 cents for in-person transactions.

  • 2.9% plus 30 cents for online transactions.

  • 3.5% plus 15 cents for manually keyed transactions.

  • 3.3% plus 30 cents for invoices.

Why we like it: Although it’s not an option for high-risk merchants, Square offers month-to-month plans with no long-term contracts. There's no monthly fee, but processing rates are higher than National Processing’s rates. Square also provides payment gateway services. And its POS comes with features that include inventory management, reporting and management of different store locations.

PaymentCloud: More features for high-risk businesses

Payment processing fees: Undisclosed/quote only.

Why we like it: For high-risk businesses, PaymentCloud is a strong option.It also offers several shopping cart integrations, along with high-risk business tools such as chargeback protection and fraud prevention.

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