National Card Solutions Review

Rates and Fees
50/100
Truth in Advertising
40/100
Consumer Reviews
50/100
Customer Support
40/100
2

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:

Unknown
Visit National Card Solutions

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 Overview

 

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.

Quick Facts

Head Quarters

111 SW 5th Ave #2675 Portland, OR 97204

Year Founded

2015

CEO

Unknown

Employees

Unknown

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

In-house sales team.

24/7 customer support that is easy to reach via their website.

What We Don't Like

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.

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

National Card Solutions Products & Services

 

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.

National Card Solutions Payment Processing

  • Cash Transactions
  • Credit Card Processing
  • Gift & Loyalty Program
  • Gift Card Management

National Card Solutions Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments

National Card Solutions Advertising & Sales

 
According to many merchant customer reviews, National Card Solutions utilizes aggressive telemarketing tactics in order to get business. The company does not use independently contracted sales agents, and it has its own dedicated sales team.

Some merchants have complained that when they were signing up for their accounts, the contract terms that were mentioned to them at first were changed when they spoke with other representatives.

There is evidence that suggests that National Card Solutions’ sales agents misrepresent the company’s fees. There are also mentions of undisclosed contract terms.

Their website does not provide a lot of information about the products and services the company offers.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Unknown

National Card Solutions Pricing, Rates & Fees

 

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 at a Glance

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

National Card Solutions Contract & Terms

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

National Card Solutions Setup & Support

 

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.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

National Card Solutions Complaints, Ratings & Reviews

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.

Ratings

BBB

A+ and This Business is not BBB Accredited. (1 Reviews; 2 Complaints)

Google

N/A

Facebook

5 out of 5 Based on the opinion of 2 people

Yelp

N/A

Reviews

Total Online Reviews

5+

Total Online Complaints

25+

Lawsuits

Unknown

National Card Solutions Alternatives

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