Pricing, ACH, New Accounts & National Processing answers for inquiring business minds
Pricing, ACH, New Accounts & National Processing answers for inquiring business minds
No, our transactions are based on how you enter the payment. Using a chip reader or tap payment range from 2.4%-2.9% + .10-.30. Keying in a transaction will cost 3.5% + .15
On our basic packages, our monthly fee is $14.95. To see our full pricing, visit our pricing page
More transparent than other pricing models, it outlines fees that go to the bank or card issuer and highlights the processor’s markup.
You can lower your merchant fees by accepting cards using a card reader (chip or tap) rather than keying in a transaction or accepting transactions online.
Not all processors are the same. Most processors can legally hide fees and increase fees over time. At National Processing, each plan breaks down exactly what you pay, with a locked-in rate.
Absolutely! At National Processing, we are here to help you grow. Just contact our support team to upgrade your plan here
Yes. Most of our hardware solutions accept tap payments, including Apple Pay, Samsung Pay, and Google Wallet. See our hardware options for more information here
Yes. All funds from transactions will be sent to your bank account. A business bank account is required by all business types except sole proprietorships which can use a personal bank account.
It usually takes 2-3 business days after the transaction. If you haven’t received your money after the third day, please contact our customer support at 800-720-3323
National Processing only accepts businesses that are registered and incorporated in the United States.
A merchant account is a bank account that allows businesses to accept credit and debit card payments. This gives your business the advantage of offering customers more payment options.
No. Keep operating with the bank or credit union business account of your choice. Transaction funds can be deposited in the account you choose.
Yes. ACH transaction fees are the lowest fees possible, averaging about $0.48 per transaction versus a 2.5% fee for credit card transactions. We recommend offering ACH payments if your business does more large transactions than small transactions.
An ACH transfer from one bank to another typically takes 5-7 business days. Some banks offer same-day processing.
Nacha develops the rules that enable Direct Deposits and ACH (e-Check) to pay bill payments that all businesses providing ACH payments are required to follow. To see more information, visit https://www.nacha.org/
No. ACH deposits your funds into your bank account only on weekdays, Monday – Friday excluding Federal holidays.
Abbreviation for Automated Clearing House, a huge trusted payment network in the U.S.
Yes, it is available through your business banking account. But, National Processing provides automation and convenience when doing so, when compared to a bank.
ACH (e-Check) is the process of transferring funds directly from one bank account to another.
National Processing stands out with over 16+ years of transparent, reliable payment solutions. Our cutting-edge technology supports your business growth, backed by our reputation as a top-ranked US processor—without hidden fees.
Yes! We’re so confident we can meet or beat your current rates we’ll give you a $500 gift card if not. Up for the $500 challenge? See how much you can start saving on day one! Contact our expert team for a statement analysis.
Yes. Our state-of-the-art Point-Of-Sale system is designed specifically for restaurants and retail stores. This all-in-one solution is built to handle large volumes of transactions at warp speed!
No. National Processing is a third-party Independent Sales Organization (ISO) of Avidia Bank, Chesapeake Bank, and Woodforest National Bank. Because we work with multiple banks, we’re able to match business owners with the best solution for their unique business.
As with opening a business bank account or applying for a line of credit, you’ll need business bank account information, employer identification number (EIN), financial statements, etc.
Avidia Bank and Chesapeake Bank.
Yes, our basic and advanced plans are flat rate plans. For merchants processing 30k or more in monthly sales, see our Premium plan for more options.
There is no cancelation fee at National Processing! We operate on month to month contracts. If you need to cancel your contract call our 24/7 customer support team at 800.720.3323
For our Basic and Advanced plans, there is no term. We aim to keep your business through good services, not early termination fees. You can cancel at any time.
Yes, but the amount depends on the plan selected. For the basic plans, your minimum fee will be $9.95. For the advanced and premium plans, your minimum fee will be $19+.
It usually takes 2-3 business days after the transaction. If you haven’t received your money after the third day, please contact our customer support at 800-720-3323
After completing your application, most applications will receive a decision in 5-7 minutes. Apply Here
Live customer service agents who will greet you with a 5-star smile, we offer flat rate pricing, however merchants processing over 30k can have premium plans with interchange plus pricing models.
Yes, National Processing pulls credit when you complete your application through Transunion.
Yes, accounts can be set up but require a specific set up on a MCC code related to medical services.
A Merchant Category Code is a four digit number that describes the products or services you are providing at your business.
We happily accept merchants processing any amount. Price guarantee for merchants processing $10,000 or more per month. Free terminals and other promotions depend on processing volume, credit and qualifications.
*We happily accept merchants processing any amount. Price guarantee for merchants processing $10,000 or more per month. Free terminals and other promotions depend on processing volume, credit and qualifications.
Connecting businesses through better payments.
We offer the most competitive pricing and best customer experience so you can avoid processing hassles and high fees, and focus on growing your business.
INTEGRATIONS
Contact
We are proud supporters of:
Industry leading compliance:
© 2025 Copyright National Processing, LLC – All Rights Reserved
National Processing, LLC is a registered ISO with the following banks:
Avidia Bank 42 Main Street Hudson, MA 01749; Chesapeake Bank, Kilmarnock, VA.
Corporate Address: 898 N 1200 W Orem, UT 84057
We offer the most competitive pricing and best customer experience so you can avoid processing hassles and high fees, and focus on growing your business.