For over 15 years 1st National Processing has been a premier provider of credit card processing, merchant accounts, credit card processing equipment and all other types of merchant services. The combination of our competitive rates, credit card equipment pricing and superior customer service makes 1st National Processing the obvious choice for any merchant looking to add credit card merchant services to their business. Our extremely competitive rates on credit card processing and equipment is not the primary reason merchants choose 1st National.  1st National’s credit card processing merchant accounts are real deals with no tricks, no hidden fees and full disclosure. What You See Is What You Get!  There are no surprises.  We have an unblemished reputation in the credit card processing industry and with the Better Business Associations as a result of our long history of honesty, integrity, reliability and dependability.   This is the reason that merchants choose 1st National for credit card processing and this is why they remain loyal and refer their fellow merchants.

Over the years the credit card processing industry has become highly competitive and unfortunately very cut throat.  In order to survive, all too many merchant service companies have resorted to crooked and intentionally misleading marketing and sales tactics in order to trick merchants into signing up for credit card processing with their companies.  These credit card processors are blackening the eye of our industry and making it very difficult for merchants to decipher an honest company from a crooked one.  Several class action lawsuits have already been filed but too many fraudulent credit card processing companies are still flying under the radar.  1st National has made it our mission to blow the whistle on these dishonest companies.   We are doing everything in our power to notify attorney general offices, government regulatory agencies, banking and finance departments and most of all existing and perspective merchants about all of the illegal practices being used by these credit card processors.  We are doing this via direct reporting of the processors to regulatory agencies, sending out newsletters, posting info on websites, participating in blogs, and by directing merchants who have been victimized to the right arenas where they can make themselves heard.

In this series, you be alerted by several misleading practices used by fraudulent credit card processing companies to entice you, the merchant, into signing a merchant account application with their company. If you found this page and you are shopping for a merchant account and credit card processing, this series will very likely save you money.  If you already have an account, the information contained herein may assist you in determing if your existing agreement is appropriate and cost effective.  We encourage you to read this series completely before making any kind of a decision on credit card processing. 

We encourage you to use us as a comparison.  Our merchant service advisors will quote you on a “Real Credit Card Processing Deal”.  You will learn every detail there is to know about a merchant account.  Not just about our merchant account but about fees that apply to every credit card processor in the industry. Compare our credit card processing deal to one you already have, or to what you are currently being quoted by other processors.  Show us their applications and we will point out things that will blow you away. You may be surprised by what you haven’t been told, what was intentionally withheld, and how you may have been misled. 

These deceptive tactics are very real, and all too common.  As a general rule, insisting on full-disclosure will save you money, and frustration.  It may also prevent you from being a victim. Know with whom you are dealing.

• Do a back ground check.
• Ask for references.
• Check them out on Better Business Bureau Sites. What is their rating? Are they even a member?
• Who is their processor? And who is their settlement bank? Is it some local no name bank or a national, regulated publicly traded financial institution? 
• Scrutinize all credit card processing companies based using this useful information and what you find in your own background check. We guarantee you will be surprised by what you find.

To learn more about credit card processing with 1st National please view our Merchant Services page and our Merchant Accounts page.   You may also view all out our credit card terminals, POS Systems and other credit card processing equipment.