National Discount Merchant Services (NDMS) Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Medium to large businesses looking for blanket coverage for all things credit card processing.

Specializes in

Providing everything needed to accept credit card payments for businesses of all sizes and risks. They are an international company that allows their clients to do business across borders.

Pricing Summary

Setup Fee: $0

Monthly Fee: $5

Swipe Rate: Interchange-Plus

Keyed-in Rate: Interchange-Plus

Early Termination Fee : $25 (Account Deactivation Fee)

Contract Terms:

3 Years
Visit National Discount Merchant Services (NDMS)

National Discount Merchant Services was founded in 2006.

They have their headquarters in Manhattan Beach, CA.

Todd Eichner is listed as the CEO.

National Discount Merchant Services (NDMS) Overview


National Discount Merchant Services began business life in 1998 and broke free to establish their own company in 2006. Using the knowledge gained in their first decade they established a business that contained everything a merchant needed under one name.

With customer service as their number one priority, they built their company with the customer in mind. To this day, they pride themselves on working individually with each client to build a successful company. On their website they claim that they don’t have merchant clients, they have partners.

They process billions of dollars in transactions and can say they provide a successful payment platform for over 150,000 merchants across the globe.

To cap these numbers, they have almost nonexistent complaint totals. In almost twenty years of business, they have solved their customer’s problems before they grow into complaints.

Quick Facts

Head Quarters

Los Angeles, California

Year Founded



Todd Eichner



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Airlines
  • Automotive
  • Beauty & Wellness
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Electronics
  • Food & Beverage
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Legal
  • Marijuana / Cannabis
  • Marketing Agency
  • Medical
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Pharmaceutical
  • Professional Services
  • Property Management
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Software & Apps
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Document Preparation
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Wholesale

National Discount Merchant Services (NDMS) Products & Services


Hardware and Software

National Discount Merchant Services has a very vague website. They offer a lot of words with very little specific information. It appears that they offer a point of sale system for restaurant, retail, and mobile options.

The product comes with a system tailored to the merchant’s need and includes all hardware, software, and necessary support bundles.

There is no indication whether they sell something they have created or they sell well-known brands like Clover, Poynt, or Verifone.

It appears their mobile sales app works with all major phones and can be up and running in a matter of minutes. Whether the merchant account underwriting happens as fast or if there are necessary parameters is unclear.

Value-Added Services

There are multiple services they offer with a merchant account. Interestingly, there is more information about what they offer with services than their actual hardware and software.

They offer:

-Recurring Billing
-Gift/Loyalty Cards
-Secure Vault
-ACH/Check Processing
-Fraud Prevention

Supported Payment Types and Services

American Express
Google Pay
Apple Pay
Samsung Pay

National Discount Merchant Services (NDMS) Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Signature Capture
  • Virtual Terminal

National Discount Merchant Services (NDMS) Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

National Discount Merchant Services (NDMS) Advertising & Sales

There is evidence that they use independent contractors for marketing, but there is only one complaint in regards to sales tactics.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


National Discount Merchant Services (NDMS) Pricing, Rates & Fees


There are three tiers listed on the company website. It can be assumed that these rates are a baseline. Most rates are variable depending on the business type, size, and risk. They post tiered rates and advertise interchange-plus rates.

They offer a brick-and-mortar rate of 1.39% per transaction with a $5/month fee.

For eCommerce and card not present transactions they state a 1.79% rate with a $5/month fee.

Their last advertised rate is a variable interchange plus rate with a $5/month fee.

All these rates are likely negotiated with a contract. There are no listed fees outside the monthly $5 fee, but it can be assumed that they adhere to industry standards of annual fees, early termination fees, and PCI compliance fees.

There are no references to whether the equipment is leased or purchased. If it is leased, there are likely fees involved with that. Plus, there are likely batch fees, virtual terminal fees, and other charges associated with eCommerce gateways.

Fees may also differ depending on which company a merchant is paired with to support their required services.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

$25 (Account Deactivation Fee)

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


National Discount Merchant Services (NDMS) Contract & Terms

There are no contract terms listed on the company website. It is most likely a variable that depends on the type, size, and risk level of the business.

Since there is no mention of a month-to-month contract, it is almost a certainty that there is a contract. Industry standards put that contract at 2-3 years. No complaints are pointing to something longer or high early termination fees.

Contract Length

3 Years

Early Termination Fee

$25 (Account Deactivation Fee)

National Discount Merchant Services (NDMS) Setup & Support


There is no information on setup, but based on industry standards it is assumed that between equipment delivery and merchant account underwriting the setup time is 1-14 days.

Multiple variables can determine the timeframe for a merchant to begin accepting credit cards. A small eCommerce vendor may be up and running in minutes. A CBD store could take several weeks for the same result.

The average merchant would most likely be up and running within a couple of days.

Support seems to be an industry-standard phone and email.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

National Discount Merchant Services (NDMS) Complaints, Ratings & Reviews

BBB Rating

National Discount Merchant Services does not have a Better Business Bureau profile.

Other Online Reviews

There are a few other online reviews. They do complain about sales tactics, albeit persistent tactics instead of unethical. There are also reviews stating the company is not ideal for a small business, due to the high number of fees that eat into the merchant's profits.



Does not have BBB profile.


No Reviews


5 Stars. Based on the opinion of 5 people




Total Online Reviews


Total Online Complaints




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