Best for
Merchants who run standard-risk businesses in the United States.
Specializes in
National Card Solutions specializes in credit card terminals, POS systems, PIN pads, wireless terminals, online payment gateways, gift and loyalty programs, and online shopping carts.
Pricing Summary
Setup Fee: Unknown
Monthly Fee: Unknown
Swipe Rate: 3.25% + $0.09
Keyed-in Rate: 3.25% + $0.09
Early Termination Fee : $250
Contract Terms:
National Card Solutions is a merchant account provider that is headquartered in Sacramento, California.
The business serves standard-risk businesses by providing them with payment processing systems, POS systems, online payment gateways and more.
National Card Solutions is affiliated with three other payment processing companies - United Card Solutions, Direct Processors and Performance Merchant Alliance.
National Card Solutions is located in Sacramento, California. The company is a merchant account provider that offers products and services to merchants who are considered standard-risk.
The company appears to be either owned by or affiliated with United Card Solutions, Direct Processors and Performance Merchant Alliance. National Card Solutions is a DBA of Prestige Payment Systems and is represented by an online reputation management specialist named Jeff Easter.
National Card Solutions is a reseller of products from First Data through i3 Verticals, LLC. Wells Fargo is its acquiring bank, and the company launched in 2015.
Head Quarters
111 SW 5th Ave #2675 Portland, OR 97204
Year Founded
2015
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
In-house sales team.
24/7 customer support that is easy to reach via their website.
Not a good fit for high risk businesses.
Do not process checks or eCheck or ACH payments.
Does not offer loyalty or gift card programs.
Uses telemarketing sales tactics.
Charges a PCI compliance fee.
Long contract terms.
Hardware & Software
National Card Solutions offers various types of hardware and software for its merchant customers, including:
POS equipment and terminals
Virtual gateway terminals
Wireless terminals
The company offers credit card processing, PIN and signature debit card processing and gift card services.
Value Added Services
According to the National Card Solutions website, the company does not offer any additional services aside from various options for payment processing through terminals, POS systems and virtual gateways.
Supported Payment Types & Services
National Card Solutions offers payment processing services to support the following payment methods:
Credit cards - Visa, Mastercard, Discover and American Express
Signature and PIN debit cards from all major debit providers
Gift cards
Unlike other merchant account providers, they do not offer loyalty or rewards programs services. They also do not currently have hardware or software in place to process checks, echecks or ACH payments.
Discloses All Important Terms
No
Public Pricing Available
Unknown
National Card Solutions has three-tiered pricing available for qualified, mid-qualified and non-qualified merchants. The company’s rates are as high as 3.25% plus $0.09 per transaction.
There is a PCI compliance fee that merchants must pay in the amount of $150 per year. Other hidden fees merchants report include:
$50 annual fee
$15 monthly fee for help desk access
$10 monthly statement fee
The cost summary is as follows:
Swiped rate - 3.25% + $0.09
Keyed-in rate - 3.25% + $0.09
Virtual terminal rate - as much as 2.90% + $0.30
Payment gateway fee - None
Payeezy Pro Plan fee - $19.95 per month
Annual Fee - Up to $197
Inactivity fee - $99 per month
Equipment leasing costs - as much as $77 per month
Equipment lease terms are for 48 months.
Pricing Model
Tiered Pricing
Swiped Rate
3.25% + $0.09
Keyed-in Rate
3.25% + $0.09
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Up to 2.90% + $0.30
Monthly Fee
Unknown
Payment Gateway Fee
$0
Batch Fee
Unknown
Early Termination Fee
$250
PCI Compliance Fee
$150 Per Year
Equipment Lease Terms
48 Month (locked)
Address Verification Service (AVS)
Unknown
Application Fee
N/A
Account Setup Fee
Unknown
Gateway Setup Fee
N/A
Annual Fee
Up to $197
Monthly Minimum
Unknown
Statement Fee
Unknown
Aside from hefty fees that are not always properly disclosed in merchant contracts, contract lengths are longer for merchants who work with National Card Solutions. Most will receive three-year contracts, but there have been reports of merchants who have signed up for four-year contracts.
Some people have also reported higher fees when they have canceled their contracts early, including having to pay inactivity and equipment lease fees for every month until the contract would have been over.
Contract Length
Unknown
Early Termination Fee
$250
The National Card Solutions website does not offer any information about how long it might take to get their payment processing services set up.
They offer a dedicated customer service line that is available 24/7. Merchants can also fill out the contact form or click on their chat service icon on their website.
BBB Rating
National Card Solutions currently has an A+ rating on the Better Business Bureau website.
There are two complaints listed on the BBB website for National Card Solutions. Both complaints refer to canceling accounts and being charged additional fees after their accounts were supposed to have been canceled.
In both instances, National Card Solutions has reviewed the complaints and provided answers, but the issues have yet to be resolved.
Other Online Reviews
There are many other online reviews for National Card Solutions, and the issues they mention are as follows:
Bait-and-switch tactics
Higher fees than other merchant account providers
Poor or rude communication from customer service representatives
Aggressive sales tactics
High early cancelation fees
Contract terms and equipment leasing terms that do not coincide, making it even more challenging for merchants to cancel.
BBB
A+ and This Business is not BBB Accredited. (1 Reviews; 2 Complaints)
N/A
5 out of 5 Based on the opinion of 2 people
Yelp
N/A
Total Online Reviews
5+
Total Online Complaints
25+
Lawsuits
Unknown
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