National ACH Review

Rates and Fees
90/100
Truth in Advertising
95/100
Consumer Reviews
85/100
Customer Support
80/100
4

Best for

Merchants with traditional and high-risk businesses that are in need of merchant accounts and want ACH processing.

Specializes in

National ACH specializes in working with both traditional and high-risk businesses to offer them merchant account services. This company can provide ACH processing services as well as processing for credit card and e-check payments.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: Unknown

Swipe Rate: 1.00%-4.99%

Keyed-in Rate: 1.00%-4.99%

Early Termination Fee : Unknown

Contract Terms:

Unknown
Visit National ACH

National ACH is a merchant account provider that is headquartered in Las Vegas, Nevada.

This company shares its address with PayNetSecure, which may be related.

National ACH’s Vice President of Sales is Tina Brandon.

National ACH Overview

 

National ACH was founded in 1998. This company is a merchant account provider that is headquartered in Las Vegas, Nevada; although the Better Business Bureau has an address on file in Irving, Texas. A company by the name of PayNetSecure shares the same address as National ACH, and both of these companies may be related to another company called Best Solutions Source.

National ACH is partnered with several acquiring banks because of its services to high-risk merchants. Just like its name suggests, this company specializes in providing ACH processing services, but it can also assist in other types of payments as well.

Tina Brandon is listed as the Vice President of Sales at National ACH. The company primarily works with high-volume and high-risk merchants and provides advanced payment security and online cloud reporting.

Quick Facts

Head Quarters

3773 HOWARD HUGHES PARKWAY LAS VEGAS, NV 89169

Year Founded

Unknown

CEO

Unknown

Employees

Unknown

Merchant Provider Risk Tolerance

High Risk Businesses

What We Like

Works with traditional and high risk businesses.

Offers ACH, credit card and echeck payments.

Provides payment security.

Online cloud reporting offered.

Value added services available.

What We Don't Like

Not all fees are known.

Mobile and online businesses only.

No hardware available.

Contract terms not listed.

Public pricing is not apparent.

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

National ACH Products & Services

 

Hardware & Software

National ACH does not mention POS systems, credit card terminals, or any other hardware on its website. It appears that the company’s main focus is on its virtual terminal and payment gateways.

This company offers:

Shopping cart integration for ecommerce merchants
A virtual terminal
Check by phone payment capabilities
Recurring subscription and membership payments

Check 21 Payment Processing is also available through National ACH. It is a method of clearing transactions through bank to bank file transfers instead of through the ACH network.

Value-Added Services

National ACH offers check verification, ID verification, and same-day ACH credits. Merchants will also receive chargeback protection.

Supported Payment Types & Services

Merchants that choose National ACH as their merchant account provider and payment processor will be able to accept the following forms of payment:

Payments made with any major credit or debit card.
ACH payments
Checks and electronic checks

National ACH Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Gift Card Management
  • High-Risk Industries
  • Mobile Commerce
  • Online Payments
  • Payment Gateway

National ACH Billing & Invoicing

  • Mobile Payments
  • Online Payments

National ACH Advertising & Sales

 
National ACH uses a combination of traditional advertising and referral partnerships to market its products and services. This company does not work with independent contractors or outside sales agents.

It appears that National ACH does not use any unethical marketing tactics, and there are no negative reviews online about its sales practices.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

No

National ACH Pricing, Rates & Fees

 

National ACH lists many prices and transaction fees on its website, and these numbers appear to be an accurate representation of what merchant customers can expect.

The prices and fees the company lists are as follows:

Electronic check processing - 0.5% to 2.95% + $0.35 to $0.95
Automated ACH transfers - $0.35 to $0.95
High-risk merchant accounts - 2.95% to 4.95%

Customized plans are available for international and high-volume merchant accounts. There is no information about swiped or keyed-in credit card rates or virtual terminal rates on the company’s website.

Pricing at a Glance

Pricing Model

Unknown

Swiped Rate

1.00%-4.99%

Keyed-in Rate

1.00%-4.99%

Mobile Payment Rate

Unknown

Virtual Terminal Rate

1.00%-4.99%

Monthly Fee

Unknown

Payment Gateway Fee

Unknown

Batch Fee

Unknown

Early Termination Fee

Unknown

PCI Compliance Fee

Unknown

Equipment Lease Terms

Unknown

Address Verification Service (AVS)

Unknown

Application Fee

Unknown

Account Setup Fee

Unknown

Gateway Setup Fee

Unknown

Annual Fee

Unknown

Monthly Minimum

Unknown

Statement Fee

Unknown

National ACH Contract & Terms

There is no information available on the National ACH website regarding this company’s standard contract. That could be because it works with high-risk merchants, so contract terms will vary based on a merchant’s business history, processing history, and other factors.

Contract Length

Unknown

Early Termination Fee

Unknown

National ACH Setup & Support

 

While there is no indication on the National ACH about how long it might take for merchants to be able to process payments, the site does say that the company offers fast account approvals. This is most likely due to the fact that it has relationships with many acquiring banks.

Merchants that choose National ACH may be able to begin processing payments within just a few days of having their accounts approved.

The company website has a Contact Us page that includes a phone number to the general office and a contact form that can be filled out and submitted for assistance.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

National ACH Complaints, Ratings & Reviews

BBB Rating

At one time, National ACH had a rating of A+ with the Better Business Bureau, and one online review indicates that it was once an accredited business with the BBB. However, that is no longer the case, and the company currently has no rating.

Also, the BBB website states that National ACH is an auto rental and leasing company, which is incorrect. This company has had no complaints filed with the BBB in the last three years.

Other Online Reviews

There are no other complaints about National ACH online, which is surprising, considering the fact that the company services high-volume and high-risk merchant accounts.

It is possible that there are other negative online reviews for some of this company’s banking partners because it has so many acquiring banks. But there is no evidence that suggests that National ACH is a ripoff or a scam. The company has no outstanding FTC complaints or class-action lawsuits.

Ratings

BBB

A+ and This Business is not BBB Accredited. (0 Reviews; 0 Complaints)

Google

Facebook

N/A

Yelp

N/A

Reviews

Total Online Reviews

Unknown

Total Online Complaints

Lawsuits

No

National ACH Alternatives

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