1st National Payment Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

High-risk, high volume, small business, e-commerce, online businesses.

Specializes in

1st National Payment Solutions is a credit card processing company that focuses on full-service payment processing. It generally services smaller businesses, e-commerce and online businesses, and businesses that are high risk. It offers card processing, check services, gift card, and loyalty programs, and more.

Pricing Summary

Setup Fee: $0

Monthly Fee: $5

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $350+

Contract Terms:

1 Year 3 Years
Visit 1st National Payment Solutions

Michael DiGiovanni founded 1st National Payment Solutions in 1998. It’s on the smaller end for a credit card processing company, with just ten employees manning its functions and operations. Its headquarters is in Syosset, NY. 1st National Payment Solution mainly services smaller businesses, online companies, or organizations at higher risk.

1st National Payment Solutions Overview


1st National Payment Solutions is a smaller merchant account provider based out of Syosset, NY. Its industry focuses on smaller businesses, online companies, and businesses at higher risk of fraud or chargebacks. 1st National Payment Solutions generally has a positive reputation within the industry and with merchants, having very few complaints online.

1st National Payment Solutions has fairly transparent pricing due to mentioning specific fees and costs outright. However, the actual rates and model of pricing is reserved for merchants who do business with NPS and isn’t available online to the public. NPS seems to focus on providing a full service to its merchants, offering card processing, check processing, peripherals, and POS solutions, and more.

Quick Facts

Head Quarters

Syosset, NY

Year Founded



Michael DiGiovanni



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

1st National Payment Solutions Products & Services


Point 1: Card Processing & POS Equipment

1st National Payment Solutions offers debit and credit card processing and multiple different ways to accept payments. As is familiar these days with merchant account providers, 1st National Payment Solutions offers several other POS solutions for merchants. Terminals, card-readers, all-in-ones, tablets, and mobile forms of processing are available for merchants to use, depending on what kind of services fit their business.

Point 2: Peripherals and Accessories

1st National Payment Solutions offers a variety of different peripherals and equipment for merchants to use. Things like check readers, pin-pads, receipt printers, and other kinds of smaller but essential equipment are available for buy-or-lease through 1st National Payment Solutions. It also offers supplies: cables, credit card machine covers, or even something like printer paper.

Accessories include things like batteries, cash drawers, swipe readers, and credit card machine holders. Ultimately, all of the equipment and products that 1st National Payment Solutions offers will help a business process and take payments in some form or fashion.

Point 3: Check Processing, Business Cash Advances, Payroll Processing

1st National Payment Solutions also processes checks and can read them and process them electronically, making it easy for customers who prefer to pay with a check instead of a card. Business cash advances are offered. This is useful in many industries, from things like making payroll to taking advantage of an opportunity that requires immediate funds but is also time-sensitive. Payroll processing is another service offered by 1st National Payment Solutions, helping you get your funds to your employees faster and more efficiently.

1st National Payment Solutions Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • EBT Acceptance
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Online Payments
  • Payment Gateway
  • POS Equipment

1st National Payment Solutions Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

1st National Payment Solutions Advertising & Sales

1st National Payment Solutions uses several strategies to advertise and sell its services. Things like a referral system, partnerships, and independent sales entities are among the company's something to get business. Independent sales agents are almost always related to a miscommunication in rates, aggressive sales tactics, or just general complaints about the salespeople from merchants, but with 1st National Payment Solutions, this, interestingly enough, is not a problem.

Very rarely does any merchant complain about 1st National Payment Solutions or how it does its business. If it employs independent sales agents, they must all be excellent, honest salespeople because the lack of complaints speaks for itself on this issue--that is how prevalent this is in the industry of merchant account providers.

1st National Payment Solutions does not reveal all of the information on their pricing beyond a few of the costs and fees. The model or the rates are not available for viewing. 1st National Payment Solutions is an ISO of Woodforest National Bank in Houston, Texas.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


1st National Payment Solutions Pricing, Rates & Fees


While some bits of information are available--like an early termination fee of at least $250 and a varying PCI Compliance Fee--the rest of the values and rates are not, whether the pricing is tiered, interchange, interchange-plus, or something else is not known, and neither are the exact rates.

It can be expected that they would fall in the industry standard of 1-5%, but this is not known for sure. Merchants that apply are almost certainly offered more information, but 1st National Payment Solutions gives nothing else on its website.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

48 Months (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

1st National Payment Solutions Contract & Terms

1st National Payment Solutions gives several different options in terms of contracts. One, two, and three-year deals are available through either Woodforest National Bank or iPayment. Times vary, but some of the most consistent aspects of these contracts that merchants sign is an early termination fee of at least $250 and a varying PCI Compliance Fee. Various other fees and costs most likely also apply.

Contract Length

1 Year3 Years

Early Termination Fee


1st National Payment Solutions Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

1st National Payment Solutions Complaints, Ratings & Reviews

1st National Payment Solutions has one of the better complaint totals of any merchant account provider. Accredited with the BBB since 2006, it has 0 complaints in the last 36 months. It’s rated a 4.6 with nine reviews on Google, and there aren’t any particular outstanding complaints about this company. It is one of the cleanest merchant account providers. It is also not involved in any lawsuits, class-action, or otherwise on the public record. There are only a few rare negative reviews online about the company, suggesting a misrepresentation of rates by independent salesmen, but these seem to be outlying cases, as it is not a common complaint.



A+(0 complaints)


1 Star / 3 Reviews


3.5 Stars / Based on the opinion of 11 people


1 Star / 1 Review


Total Online Reviews


Total Online Complaints





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