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1st National Processing - The Future of Electronic Merchant Processing

 

MERCHANT ACCOUNTS & OTHER MERCHANT SERVICES

MERCHANT ACCOUNT SERVICES CHECK GUARANTEE - MERCHANT SERVICES GIFT CARD - MERCHANT SERVICES
PREPAID DEBIT & CREDIT CARD - MERCHANT SERVICES ACH & EFT - MERCHANT SERVICES BUSINEES LINES OF CREDIT - MERCHANT SERVICES

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1ST NATIONAL PROCESSING MERCHANT SERVICES

If you are looking for a Superior Merchant Service Provider, you have found the right place. 1st National Processing Merchant Services has been providing merchant accounts and credit card processing services for over 15 years. Our competitive programs and superior customer service and support have enabled us to build a portfolio of merchants over 200,000 strong and growing. Our long history of honesty, integrity, reliability and dependability has resulted in an unblemished reputation in the merchant service industry and on Better Business Websites. This reputation has enabled us to establish long term relationships with Class A merchant service settlement banks and credit card processors allowing us to offer the most competitive rates and pricing on merchant services in the industry. All of this combined with our incredible equipment pricing, lease financing and terminal placement programs makes 1st National Processing the best choice for all merchants looking to add any type of merchant services to their organization, no matter what the business type.

If you had merchant services previously or know someone who has, most likely you have heard or experienced one of the horror stories prevalent in the credit card processing industry. If you haven’t added merchant services to your business and are currently in the market, do yourself a favor and refer to our credit card processing page where you will find the section that discusses the crooked and intentionally misleading marketing and sales tactics used by all too many merchant service companies in order trick merchants into signing with their companies. Until recently the merchant services industry has been highly unregulated. The combination of that and increased competition has made the merchant service industry a very nasty place, for lack of a better term. All too many companies have nothing else to offer merchants other than price so they put together fraudulent, misleading, too good to be true deals to entice merchants into signing up for merchant services with their company. They are straight out lying to the merchants about many things on the application and have creative deals set up with their no name settlement banks to mislead the merchants into thinking they are getting a great deal on merchant service. By the time the merchant realizes what happened it is too late because they are locked into a long-term merchant service agreement with an extremely high early termination fee. This is common, and very, very real. These merchant service companies are blackening the eye of our industry. As a result of all of this many banks, processors and merchant service providers are getting hit with class action lawsuits. But this still has not stopped deceptive tactics. The merchant service companies are merely becoming more creative. Don’t be a victim. Know with whom you are dealing. Do a background 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? And, as we mentioned before, educate yourself by reading about all of these dirty tricks on our credit card processing page. Then scrutinize all merchant service providers based on this useful information. We guarantee you will be surprised by what you find.

Merchants looking for the hands down, bottom line, best merchant service deal in the industry need look no further. If you want a real deal with no tricks, no hidden fees and full disclosure, then 1st National Processing Merchant Services is the place for you. Our merchant service deals are “What You See Is What You Get”. Exactly what you are quoted is exactly what appears on your application and exactly what you see on your statement a month down the line. There are no surprises. We are not going to entice you with a below cost, front end rate, and then raise it the following month. If you want a quality company with superior merchant service and support and one which cares about each and every customer and always does the right thing when it comes to merchant service issues, Welcome to 1st National. At 1st National we pride ourselves in honesty, integrity and full disclosure as well as superior service and support that is second to none. We are in the business of building long-term relationships. We have nothing to hide. Feel free to check us out on all of the Better Business Websites and merchant association websites. Our reputation precedes us. Want merchant referrals? Just ask and our merchant service advisors send you as many as you need to feel comfortable. Do you want to be set up with a National Merchant Service Bank and Processor that are subjected to and monitored by the strict rules and regulations of State and Federal Banking and Finance departments? That is what you get when you sign up for merchant services with 1st National Processing. The Merchant Service Settlement banks and processors that underwrite us are very strict when is comes to which merchant service providers they allow to sell merchant accounts and other merchant services on their behalf. These banks and processors are publicly traded, national financial institutions that have must report not only to the regulatory agencies, but also to the stockholders and the SEC as well. So they do extensive background checks and random audits on their Merchant Service Providers and their Executive Officers to ensure they are compliant and to monitor for deceptive sales and marketing tactics. Those shady merchant service companies mentioned in the paragraph above wouldn’t have a prayer at getting approved with a National Institution and that is why they choose small, local, single branch banks to underwrite their dirty work. Obviously that is not the case with 1st National Processing. 1st National Processing is a superior Merchant Service Provider who has longevity in the industry and is backed by solid National Corporations. We are proud of what we do and the reputation we have created. Nothing makes us happier than receiving a phone call or an e-mail from a merchant who is calling to thank us for our outstanding service and to refer us a new merchant. Superior Service & Support is our mission.

To view information on merchant accounts and other merchant services scroll down or click here. You may also call us Toll Free 877-964-1622. Our qualified merchant service advisors are waiting to speak to you to custom tailor a solution to fit your needs. E-mail and after hours merchant service inquiries may contact us at sales@1nbcard.com or fill out our No Obligation Merchant Account Pre-Application which will direct a qualified merchant service advisor to respond to you promptly. Thank you for your inquiry! We look forward to building a long term, mutually beneficial relationship.

 

MERCHANT SERVICES AVAILABLE FOR ALL BUSINESS TYPES

 

MERCHANT ACCOUNT SERVICES

Retail Point of Sale/Wireless/ MOTO Mail Order & Phone Order

Through 1st National, merchants can obtain merchant account services to Accept Credit Cards, Accept Debit Cards, Accept Check Cards and all other forms of electronic payments for any type of business. 1st National’s merchant accounts for credit card processing and merchant services can be programmed for use with any credit card machine or credit card terminal manufactured by Lipman Nurit, Verifone, Hypercom, Exadigm, Ingenico, RDM, Magtek , and many others. We also provide merchant accounts that merchants can use to process credit cards through their computers using credit card processing software such as PC Chagre, IC Verify, Quick Books. Additionally our merchant accounts can be programmed for use with any POS, Point of Sale System, including Micros, Sable, Posi-Touch, Aloha, Tradewinds, or that of any other POS manufacturer in the industry. 1st National can provide the credit card processing software / credit card machine / POS, Point of Sale System or we can download the merchant account and reprogram any existing terminal or software, which the merchant already owns or leases. All merchant accounts come standard with the ability for the merchant to Accept Visa ®, Accept Master Card ®, Accept American Express ®, Accept Discover ®, Accept Debit Cards, and Accept Check Cards. Gift Cards, Loyalty Cards, Pre Paid Phone Cards, Pre Paid Debit Cards, Check Guarantee & Check Truncation are additional merchant services which can integrate seamlessly with a merchant account for credit card processing from 1st National. For more information on these types of merchant account services please view our merchant accounts page, call Toll Free 877-964-1622 or fill out our No Obligation Merchant Account Pre-Application which will direct a qualified merchant service advisor to respond to you promptly.

E-Commerce / Internet Payment Processing

Merchants with On Line Stores can obtain merchant accounts for E-Commerce and Internet Payment Processing enabling them to Accept Credit Cards & Accept Debit Cards through an Internet Payment Gateway or Internet Virtual Terminal. These credit card merchant accounts are compatible with any E-Commerce Gateway including Right Connect, Approve Net, Authorize Net, Verisign, Yahoo Store or any other secure payment gateway available in the merchant services industry. As with the Credit Card Processing Software / Credit Card Machine / POS, Point of Sale System, 1st National can provide the internet payment gateway or we can download the merchant account and reprogram any existing set-up. All merchant accounts come standard with the ability for the merchant to Accept Visa, Accept Master Card, Accept American Express, Accept Discover, Accept Debit Cards, and Accept Check Cards. Gift Cards, Loyalty Cards, Pre Paid Phone Cards, Pre Paid Debit Cards, Check Guarantee & Check Truncation are additional merchant services which can integrate seamlessly with a merchant account for credit card processing from 1st National. For more information on these types of merchant account services please view our merchant accounts page, call Toll Free 877-964-1622 or fill out our No Obligation Merchant Account Pre-Application which will direct a qualified merchant service advisor to respond to you promptly.

Below are some standard merchant account rate structures for retail swipe merchants, and mail, phone, internet, non-swipe merchants.  For special merchant service programs based on business type please visit our merchant accounts page, call Toll Free 877-964-1622 or request information on line


VISA / MASTER CARD / DISCOVER MERCHANT SERVICES

Retail/Swiped Merchant Account Service
(Card Present Transactions for VISA / Master Card / Discover)

Qualified Discount Rate 1.69%
Transaction Fee .19
Monthly Statement Fee $7.95
Wireless Fee (For Wireless POS Only) $15.00
Monthly Minimum None
Annual Fee None
   

Please Note: 1st National Processing Merchant Services is very flexible and can set up the merchant account rates to best suit your business. The merchant account rates listed here are very general. They can be adjusted if your business qualifies. Merchant Account rates based on your average transaction, monthly volume and business type. 1st National can provide merchant accounts with Bundled Rates (No transaction Fee/Better for Small Tickets), Interchange Pass Through (Visa/MC Direct Rates for High Volume Merchants), Free Credit Card Machines, No Contracts, No Cancellation Fees and No Minimums.

Please contact us today 877-964-1622 to discuss merchant account or any type of merchant services or click here to apply.

Moto: Mail Order/ Telephone Order/ Internet Merchant Account 
(VISA / Master Card / Discover)

Qualified Discount Rate 2.19%
Transaction Fee .20
Monthly Statement Fee $7.95
Monthly Minimum None
Annual Free None
Internet Gateway Monthly Fee $15.00 (Merchants using secure payment Gateway)
Internet Gateway Transaction Fee .15 (Merchants using secure payment Gateway)
   

Please Note: 1st National Processing Merchant Services is very flexible and can set up the merchant account rates to best suit your business. The merchant account rates listed here are very general. They can be adjusted if your business qualifies. Merchant Account rates are based on your average transaction, monthly volume and business type. 1st National can provide merchant accounts with Bundled Rates (No transaction Fee/Better for Small Tickets), Interchange Pass Through (Visa/MC Direct Rates for High Volume Merchants), Free Credit Card Machines, No Contracts, No Cancellation Fees and No Minimums.

Please contact us today 877-964-1622 to discuss merchant account or any type of merchant services or click here to apply.

AMERICAN EXPRESS MERCHANT SERVICES
(Requires Approval By AMEX)

Amex Retail/Swiped Merchant Services 
(Card Present Transactions for American Express)

Qualified Discount Rate 2.5%-3.5% (Based On Avg. Ticket Size & Business Type)

Amex Moto / Non Swipe Merchant Services  
(Card Not Present Transactions for American Express)

FLAT FEE PROGRAM: (Home Business Merchants Only)
Qualified Discount Rate No % Only Monthly Fee (Up to 1st $5000 in sales then rate is applied)
Monthly Statement Fee $5.00

STANDARD MOTO PROGRAM:

Qualified Discount Rate 2.5%-3.5% (Based On Ave. Ticket Size & Business Type)

 

CHECK GUARANTEE MERCHANT SERVICES

Check Guarantee, Verification & Truncation
(Via Credit Card Machine, Check Reader, Phone Or Website)

Check Guarantee & Truncation / Retail
Check Guarantee % Per Check 1.5%
Transaction Fee 20 Cents Per Transaction
Monthly Statement Fee $5.00
Check Truncation 10 Cents Per Transaction
 
Checks by Phone 1 (Mobile/ Merchant Calls Toll Free # For Authorization)
Check Guarantee % Per Check 1.5%
Transaction Fee 20 Cents Per Transaction
Monthly Statement Fee $5.00
 
Checks by Phone 2 (Computer Software, Key In Check Data And Prints Checks On Printer)
Check Print Only (No Guarantee) 99 Cents Per Transaction
Check Print (With Guarantee) 3-8% (Based On Average Ticket & Business Type)
Transaction Fee 14 Cents
Monthly Statement Fee $10.00
 
Checks By Internet (Includes Checks By Phone 2 & Secure Link To Website For Pay By Check)
Check Print Only (No Guarantee) 99 Cents Per Transaction
Check Print (With Guarantee) 3-8% (Based On Average Ticket & Business Type)
Transaction Fee 14 Cents
Monthly Statement Fee $10.00
 
Accounts Receivable Conversion
Check Guarantee % Per Check 1.8%
Transaction Fee 30 Cents Per Transaction
Monthly Statement Fee $5.00
 
Payroll Check Cashing
Check Guarantee % Per Check 1.8%
Transaction Fee 30 Cents Per Transaction
Monthly Statement Fee $5.00

GIFT CARD MERCHANT SERVICES
CALL FOR DETAILS TOLL FREE 877-964-1622

PREPAID DEBIT CARD MERCHANT SERVICES
CALL FOR DETAILS TOLL FREE 877-964-1622

ACH: AUTOMATED CLEARING HOUSE MERCHANT SERVICES
CALL FOR DETAILS TOLL FREE 877-964-1622

BUSINESS LINES OF CREDIT: MECHANT ACCOUNT CASH ADVANCE
CALL FOR DETAILS TOLL FREE 877-964-1622


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Registered ISO/MSP of Wells Fargo Bank, N. A., Walnut Creek, CA
1st National Processing is a registered American Express ® External Sales Agent (ESA)