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National Processing vs Square

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

 National ProcessingSquare
 Visit SiteVisit Site
 

National Processing

Square

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

Read National Processing Review

SPECIAL OFFER
Square Reader: Free Mobile Credit Card Reader - Learn More

Read Square Review

 

Benefits and Features

Monthly FeeStarts at $9.95/mo; custom pricing starts at $9.95+/mo
No monthly fees
Good ForLarge and established businessesMobile & small businesses with average transaction over $100
EquipmentCard readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH paymentsFree magstripe card reader; $59 for contactless + chip reader; Stand, Terminal, and Register available for purchase.
Accept International Payments 
USD payments only
Customer Service
Phone, email, live chat
Phone, Email, Live Chat Support, Seller Community
Fraud Prevention Tools 
Check
Invoice Management 
Check
Pricing Model
Flat-rate pricing
Flat rate
Recurring Billing 
Check
ACH Payments 
1% ($1 minimum)
Swipe Rate2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)
2.6% + 10¢
Online Rate
2.9% + $0.30 per transaction
2.9% + $0.30
Keyed-in Transaction Fee
3.5% + $0.15 per transaction
3.5% + 15¢
Deposit Time
2-3 business days
Payments before 5PM PT / 8 PM ET is available the next business day
Chargeback Fee
$15
None
 

CreditDonkey® Reviews

 National ProcessingSquare
PriceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarStar
ContractStarStarStarStarEmpty StarStarStarStarStarStar
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
EcommerceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
High Volume BusinessStarStarStarHalf StarEmpty StarStarEmpty StarEmpty StarEmpty StarEmpty Star
Low Volume BusinessStarStarStarStarEmpty StarStarStarStarStarStar
Pros & ConsPros:
  • No long-term contracts
  • Free equipment available
  • No monthly minimums
Cons:
  • Conditions to waive termination fee
  • Pricey with larger sales
Pros:
  • No monthly or annual fee
  • Free swipe card reader
  • Low, predictable fixed rates
Cons:
  • Flat-rate pricing can be expensive for larger businesses
  • Costly add-on services
Bottom LineFlat-rate processor with low in-person transaction fees... Read full reviewGood credit card processor for low-volume 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

Square Reader: Free Mobile Credit Card Reader

Square Reader: Free Mobile Credit Card Reader

  • Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
  • Accept Credit Cards Anywhere
  • Fast Setup, No Commitments
Square Contactless and Chip Card Reader

Square Contactless and Chip Card Reader

  • Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
  • Accept Chip Cards and Contactless Payments Anywhere
Square POS: Point of Sale System

Square POS: Point of Sale System

  • Advanced analytics and insights
  • Inventory and customer management
  • Track employee time cards and grant permission levels

Which is Better: National Processing or Square?

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 Payment Depot.

In short: National Processing's high volume business is worth mentioning. Square's price, equipment, contract, and low volume business are noteworthy. In particular, the equipment, contract, and low volume business are impressive.


Articles on National Processing

National Processing Review

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

Articles on Square

Square Alternatives

Square is one of the most popular POS systems. But is it the best choice for your business? See how Square compares to top competitors and alternatives.

Square

Explore a thorough review of Square's cost, security, and benefits for businesses. Find out if it's the right choice for you.

Best Square POS Alternatives

Square or Clover? Square or Shopify? Solve your POS dilemmas with this in-depth comparisons of top Square POS alternatives for small businesses.

Square vs Stripe vs Paypal

Square, Stripe, and PayPal are the most popular credit card processors for small businesses. What's the difference and which is right for you?

Square vs Clover

Square is cheaper to get started, while Clover offers more flexibility. Which one is better for your small business? Find out how they compare.

Square vs Merchant Account

Square is simple with flat rate pricing, but a merchant account can provide better savings. Which is better for your business? Read on to compare.

How Much Does Square Charge

Square's mobile card reader lets you accept credit card payments. But how much does Square cost? Read this review to see if it is good for your business.

Square Rates

Square offers a free credit card reader. But there are transaction rates and processing fees you need to be aware of.

Square vs PayPal

Is Square or PayPal better for your small business? Find out how they compare in pricing and features.

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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