National Processing Review & Pricing Breakdown

Review

National Processing

Overall Rating

3.7/ 5.0

Get a free quote

In-Depth Analysis

3.7

Price

Ease of Use

Features

Support

Pros

Cons

Overview

National Processing is a Utah-based payment processor offering affordable, flexible solutions for small to mid-sized businesses across retail, restaurant, eCommerce, and service sectors. Known for its interchange-plus pricing model, National Processing aims to minimize processing costs while delivering dependable merchant services that scale with a business’s needs.

The company’s pricing structure is transparent and free of hidden markups, offering competitive rates without long-term contracts or cancellation fees. Unlike flat-fee subscription services, National Processing focuses on low interchange margins, making it particularly appealing to lower-volume businesses or those with variable monthly processing amounts. The company also supports zero-cost credit card processing for merchants wanting to pass fees onto customers legally.

National Processing provides merchant accounts, mobile processing, POS systems, ACH and eCheck services, and a virtual terminal for remote transactions. Their system integrates with top POS brands and offers quick funding, inventory tools, and recurring billing support. With its blend of competitive rates, customizable features, and reputation for responsive U.S.-based support, National Processing delivers a reliable, cost-conscious solution for everyday businesses.

Stax History and Founder

National Processing was founded in 2007 and is a subsidiary of Cheddar, a technology company focused on building financial and business tools for modern merchants. Since its inception, National Processing has maintained a strong emphasis on transparent pricing, ethical practices, and customer-focused service, positioning itself as a reliable alternative to larger, more opaque processors.

While not fueled by venture capital like some fintech disruptors, the company has built a loyal base of small to mid-sized business clients through steady organic growth. Its strategy focuses on affordability and customization, offering merchants interchange-plus pricing, zero-cost processing options, and a variety of tailored payment solutions. This business model is designed to serve retailers, restaurants, and service providers looking for stability and cost efficiency.

Backed by Cheddar’s broader ecosystem of business services, National Processing continues to evolve, expanding its integration capabilities and developing tools to support ACH payments, payroll integration, and mobile commerce. While it may not boast unicorn status or splashy funding rounds, its reputation is rooted in practical service, honest billing, and long-term value for everyday merchants.

What Is Stax Best At?

National Processing is best known for offering low-cost, interchange-plus pricing with clear, honest billing—making it ideal for small to mid-sized businesses that want to avoid hidden fees and long-term contracts. Merchants appreciate the flexibility to choose from traditional or zero-cost processing options, depending on their business model and customer base.

The company also stands out for its specialization across industries, with tailored payment solutions for retail, restaurants, eCommerce, and service providers. From countertop terminals to mobile readers and virtual terminals, National Processing offers practical, dependable tools for both in-person and remote payments.

In addition, National Processing is praised for its U.S.-based customer support and strong merchant retention. Businesses value its responsive service, transparent practices, and scalable pricing—making it a strong fit for merchants who prioritize reliability and savings without sacrificing quality or functionality.

Stax Products and Services

National Processing offers a variety of solutions for businesses, including payment processing, mobile payment tools, and traditional countertop terminals. The company also provides add-on services such as QuickBooks integration, ACH and eCheck processing, and options for payroll support. These features make it a flexible option for merchants across retail, restaurant, and service industries.

The company uses an interchange-plus pricing model, with the option for zero-cost processing for merchants who prefer to offset fees to customers.

Card-less Transactions

National Processing supports card-less transactions through its virtual terminal and ACH/eCheck services, allowing merchants to accept payments without swiping a physical card. Ideal for phone orders, invoicing, and online billing, this feature is especially useful for service-based and remote businesses. Transactions are processed securely and are PCI-compliant, giving merchants flexibility without sacrificing payment security.

Customer Support

From experience and the reviews left by the users of National Processing, this merchant service provider supports its customers via phone, email, and live chat. Support is known to be responsive and helpful, especially during account setup and ongoing service issues.

Features & Functionality General Features

National Processing offers a reliable set of general features, including virtual terminals, ACH/eCheck payments, mobile processing, and POS system compatibility. The platform supports recurring billing, invoicing, and QuickBooks integration, making it a practical choice for a variety of business types.

24-Hours Funding

National Processing provides next-day funding for most merchants, helping businesses access their funds quickly and maintain steady cash flow. This feature is especially valuable for small businesses needing reliable turnaround times.

Advance Funding

National Processing does not directly offer traditional merchant cash advances but may assist merchants by referring to trusted third-party providers. This approach helps businesses explore funding options while maintaining transparent and ethical processing practices.

Built-In Payment Gateway for Online Transactions

National Processing includes a built-in payment gateway for online transactions, supporting secure credit card and ACH payments. It integrates with popular eCommerce platforms, enabling smooth checkout experiences and real-time processing for online businesses.

Virtual Payment Processing

National Processing offers a virtual terminal that allows merchants to manually enter payment details for remote or phone orders. This secure, browser-based tool supports credit card and ACH transactions, making it ideal for service-based or remote businesses.

Features

Hardware & Software

National Processing provides a range of hardware options, including EMV-compliant terminals, mobile card readers, and full POS systems. The software supports virtual terminals, invoicing, ACH payments, and accounting integrations, delivering a complete solution for various business types.

Standard Terminals for Countertop Transactions

National Processing offers standard countertop terminals that support EMV, magstripe, and contactless payments. These devices are reliable, easy to set up, and ideal for retail and service businesses needing fast, secure in-person transactions.

Smart Payment Depot Terminals

National Processing provides smart terminals with touchscreen interfaces, built-in printers, and support for EMV, NFC, and mobile wallet payments. These devices are ideal for businesses seeking a modern, all-in-one solution that enhances speed, security, and checkout efficiency.

Mobile Hardware

National Processing offers mobile card readers that connect to smartphones and tablets via Bluetooth, supporting EMV chip, magstripe, and contactless payments. These portable devices are perfect for on-the-go businesses needing secure, flexible payment options.

Features

Pricing Options Automations

Features

Sales Channels

Features

Verdict

National Processing is a strong choice for small to mid-sized businesses seeking transparent, low-cost payment processing. With interchange-plus pricing, flexible hardware options, and reliable customer support, it offers great value—especially for merchants who want predictable fees without long-term contracts or hidden charges.

Review