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National Processing vs PaymentCloud

National Processing is a flat-rate processor with low in-person transaction fees. How does it compare to PaymentCloud? Read our comparison chart below.

 National ProcessingPaymentCloud
 Visit SiteVisit Site

National Processing


Get $500 If National Processing Can't Beat Your Current Rates* - Learn More

Read National Processing Review

High Risk? No Problem - Learn More

Read PaymentCloud Review


Benefits and Features

Monthly FeeStarts at $9.95/mo; custom pricing starts at $9.95+/moNot disclosed - offers customized pricing
Good ForLarge and established businesses 
EquipmentCard readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH paymentsAvailable through third-party providers (Clover, Dejavoo, etc.)
Customer Service
Phone, email, live chat
Phone and Form Submission
Fraud Prevention Tools 
Invoice Management 
Pricing Model
Flat-rate pricing
Recurring Billing 
Swipe Rate2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)Not disclosed - offers customized pricing
Online Rate
2.9% + $0.30 per transaction
Not disclosed - offers customized pricing
Keyed-in Transaction Fee
3.5% + $0.15 per transaction
Deposit Time
2-3 business days
Chargeback Fee

CreditDonkey® Reviews

 National ProcessingPaymentCloud
PriceStarStarStarEmpty StarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
EcommerceStarStarStarStarEmpty StarStarStarStarStarHalf Star
High Volume BusinessStarStarStarHalf StarEmpty StarStarStarStarStarStar
Low Volume BusinessStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Pricing ModelStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • No long-term contracts
  • Free equipment available
  • No monthly minimums
  • Conditions to waive termination fee
  • Pricey with larger sales
  • Supports up to 3% chargeback ratio
  • Customized payment solutions
  • Dedicated account manager
  • Underwriting process
  • No disclosed fees
  • Potential long-term contract
Bottom LineFlat-rate processor with low in-person transaction fees... Read full reviewTrusted merchant account provider for low to high-risk businesses... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

National Processing

Start Processing Payments Today

  • Free Reprogram of Existing Equipment
  • Free Gateway Setup
  • Free Mobile Reader
National Processing

Free Mobile Swiper

Get approved for a new merchant account and get a free SwipeSimple mobile swiper


High Risk? No Problem

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted

98% Approval

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted

Accept Credit Card Payments

  • Top-rated customer support and dedicated account representative
  • Fast funding with same-day deposits
  • No setup/hidden fees
  • Free terminal
  • No minimum credit score and 98% approval rate
  • Fast approvals and same day setup

Which is Better: National Processing or PaymentCloud?

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing National Processing or Square.

In short: PaymentCloud's high volume business is outstanding.

Articles on National Processing

National Processing

National Processing offers lower processing rates than other flat-rate processors like Square. But what's the catch? Read on.

Articles on PaymentCloud

PaymentCloud Review

Find out the true value of PaymentCloud for merchants (including high risk businesses). Read the pros and cons before you commit.

PaymentCloud Pricing

Payment processing services can sometimes break the bank. For services like PaymentCloud, how much will you need to budget? Read on to find out.

Which Do You Think is Best?

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About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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