National Card Payments is one of the most established and reliable merchant services providers. At National Card Payments, you can get all of your merchant account needs at the lowest merchant account rates. In fact, National Card Payments has lower fees than Costco, PayPal, and Square… just to name a few. In our NC Payments review, we’ll cover all their services, what sets them apart, and why you should be using NC Payments as your provider.

Location: Centerville, Utah

Founded: October 2007

Website: National Card Payments

The owners of National Card Payments have been in the merchant account industry for over 20 years. About six years ago, the owners decided to create National Card Payments as a pathway for their clients to have the best merchant account services possible. What makes NC Payments one of the best providers is that they treat each of their customers the way they wanted to be treated. It doesn’t matter the size of your business, NC Payments will go out of their way to make sure you have all your merchant account needs met.  

At National Card payments, they understand that some businesses are classified as medium to high risk merchant account clients. While some merchant account providers will turn that away, NC Payments welcomes those types of clients and has a great track history of getting that type of an merchant account approved.

NC Payments is not interested in the “churn & burn” attitude that is so prevalent in the merchant services industry today. NC Payments successful company motto and culture has been, and is today, to build long-term relationships with its clients. While most merchant providers charge for things such as early termination fees or make you sign a contract, National Card Payments doesn’t. They want you to be satisfied with their services and remain a satisfied client because you want to…not because you’re contractually & financially obligated. A search of National Card Payments on Google shows that they have a 4.7 star rating. This is a very good rating for a merchant account company.

When reading the Google reviews, we found a lot of the 5 star reviews were related to their customer service. Some examples of the reviews are the following:

“I have been very impressed with their customer care and low rates.  I will recommend them to everyone I know who takes credit cards.”

“Great processor! Mark and Todd and team have really dialed in on customer service and taking care of clients.”

“I highly recommend NCP! Awesome group that is more than willing to take the time to answer questions, or help with anything. They always go the extra mile!”

When looking at the Google reviews, NC Payments had all but two 5 star ratings! There were two 1 star ratings but one of those appeared to be a fake review and the other review appeared to be a client who did not notify NC Payments of her desire to cancel her account.

National Card Payments is a one stop shop for all your merchant account needs. The following products are offered by NC Payments:

• Merchant accounts
• Merchant software
• Point of Sale systems
• Terminal machines
• Hybrid “smart” terminals
• Mobile swiping devices
• Gateway software services
• ACH processing software

Because of the nature of card processing and the myriad ways of taking payment in today’s world, National Card Payment rates and fees vary based upon each client’s needs and situation. Rates vary based on how the transaction is processed, how much volume you process, and other specific factors for each client. With that being said, the NC Payment rates are lower than Costco, PayPal, Square, and all the competing banks. Why are they lower? Because National Card Payments doesn’t have the huge overhead costs that other merchant account providers have and because NCP is interested in a long-term relationship…not short term gains. Here are just some of the standard merchant account fees other providers will charge that National Card Payment does not:

• Set up fee: None
• Monthly minimum fee: None
• Annual fee: None with the exception of the standard MasterCard $15 annual fee charged to all U.S. merchants
• Early termination fee: None

The biggest pricing distinction that National Card Payments offers is their guarantee that quoted discount and per transaction fees will remain fixed for as long as their client remains with them. No circling back six months… a year…two years later and increasing fees. This is a huge distinction between National Card Payments and their competitors!  In addition, they will match or beat any bona fide competing offer, ensuring that you have the best pricing deal possible.

National Card Payments offers all of their clients free, 24/7 customer support with representatives based in the United States. In addition to 24/7 support, each of the NC Payments merchants are also assigned to a dedicated customer service liaison. This liaison is usually your sales person so they are very familiar with your needs. The client will have the liaison’s direct phone number and email address allowing them to easily reach them for support. None of National Card Payments liaisons have less than six-years industry experience.  This provides very valuable additional layer of expert and personal support.

Overall, National Card Payments is one of the best merchant account services providers you will find. In an industry where everybody claims to be the best, you often find they have major deficiencies. That is not the case with National Card Payments. They truly offer some of the best rates, best equipment, and most importantly best customer support. There are no hidden fees or tricks with NC Payments as they strive to build life time relationships with their clients instead of making a quick dollar of people and upsetting them. After speaking to the owners of National Card Payments and looking closely at their business model closely, we think National Card Payments is one of the best merchant account providers out there and highly recommend them!