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National Processing vs PayPal

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

 National Processing
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National Processing

PayPal

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

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Benefits and Features

Monthly FeeStarts at $9.95/mo; custom pricing starts at $9.95+/moFree account (monthly fees for features start at $5/mo)
Good ForLarge and established businessesAccepting Paypal payments; Small businesses with average transaction under $100
EquipmentCard readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH paymentsPayPal Zettle card readers and terminals
Accept International Payments 
25 currencies
Customer Service
Phone, email, live chat
Phone, Email, Live Chat Support, PayPal Community
Fraud Prevention Tools 
Check
Invoice Management 
Check
Pricing Model
Flat-rate pricing
Flat-rate and Interchange-plus
Recurring Billing 
Check
Swipe Rate2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)
Starts at 2.29% + $0.09
Online Rate
2.9% + $0.30 per transaction
Starts at 2.59% + $0.49
Keyed-in Transaction Fee
3.5% + $0.15 per transaction
3.49% + $0.09 (through Paypal Zettle)
3.09% + $0.49 (through the virtual terminal)
Deposit Time
2-3 business days
Instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee
Chargeback Fee
$15
$20
 

CreditDonkey® Reviews

 National Processing
PriceStarStarStarEmpty StarEmpty Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarStarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty Star
EcommerceStarStarStarStarEmpty Star
High Volume BusinessStarStarStarHalf StarEmpty Star
Low Volume BusinessStarStarStarStarEmpty Star
Pros & ConsPros:
  • No long-term contracts
  • Free equipment available
  • No monthly minimums
Cons:
  • Conditions to waive termination fee
  • Pricey with larger sales
Bottom LineFlat-rate processor with low in-person transaction fees... Read full review
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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

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.


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.

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.

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