Own Your Revenue. Control Your Growth. Build Your Legacy.

At National Payment Processing, we empower both merchants and agents with customizable solutions that maximize profitability. From Zero Fee Payment Processing to flexible compensation plans, we help you grow and succeed on your terms.

Our Story

Founded in 1990, National Payment Processing (NPP) was built with a mission to empower businesses of all sizes—whether you’re a merchant looking for seamless payment solutions or an agent/ISO seeking flexible, high-earning potential. Our journey began with the vision to provide innovative, transparent, and cost-effective payment processing services, helping businesses save money and scale faster.

Over the years, we’ve continuously evolved to stay ahead of the curve, integrating advanced technologies like EMV & contactless payments, offering low buy rates, and introducing our signature Zero Fee Payment Processing program. Today, NPP is a trusted partner to merchants and agents alike, providing tailored solutions that work across all industries, from retail to restaurants, e-commerce, and mobile businesses.

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Our Mission

Mission

At NPP, our mission is simple: Give our merchants the best and help our partners acquire. We provide customizable Schedule A compensation plans, true lifetime residuals, and innovative merchant tools to ensure agents/ISOs can build a six-figure residual income stream, and merchants can offer affordable, secure, and reliable payment processing solutions.

Vision

Our vision is to lead the payment processing industry by delivering flexible, transparent, and highly customizable solutions to businesses and partners. We want to create a trusted network of agents and merchants that are empowered to control their revenue, growth, and future.

Vision

Our Values

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Integrity

We believe in honest, clear communication and fair compensation. You’ll always know where you stand with NPP, no hidden fees, no surprises.
Empower

Empowerment

Whether you’re a merchant or an agent, we give you the tools, flexibility, and support to succeed. Own your business, grow your portfolio, and scale with ease.
Innovation

Innovation

We continuously innovate to provide the most secure, flexible, and future-proof payment solutions for businesses of all sizes.
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Support

Our partners and merchants are at the core of everything we do. 24/7 support, tailored training, and ongoing mentorship help you succeed, no matter your journey.

Journey Through Years

National Payment Processing is Founded

NPP opens its doors with a mission to provide reliable and affordable merchant services for small to midsized businesses.

The Rise of Online Payments

The internet begins transforming commerce. NPP supports merchants adapting to catalog and early online transactions.

Debit Cards Surpass Checks

As debit card usage explodes, NPP expands processing capabilities to support both credit and PIN-based debit transactions.

PCI DSS Compliance Standards Introduced

Payment security takes center stage. NPP becomes an early adopter of PCI compliance protocols, reinforcing merchant and customer trust.

Durbin Amendment Opens the Door for Zero-Fee Processing

Following the Dodd-Frank Act, merchants gain the right to offer discounts for non-card payments. NPP begins building compliant programs around this regulatory change.

NPP earns an A+ rating from the Better Business Bureau (BBB)

A signal of longstanding trust and service.

Launch of NPP’s Early Cash Discounting Program

With increased legal clarity around dual pricing and surcharging, NPP rolls out its first Cash Discounting offering, helping merchants offset card fees transparently.

EMV Liability Shift

As chip card standards become mandatory, NPP leads merchant transitions to EMV-compliant terminals to reduce fraud risk and liability.

Gift Cards & Loyalty Programs

NPP aligns with market trends by launching merchant-branded physical and digital gift cards, plus flexible, points-based loyalty rewards.

Expanded solutions for high-risk industries

NPP expands underwriting and partner network support to provide more solutions for high-risk industries (e.g., CBD, supplements, subscription, travel, etc.)

Merchant Cash Advance (MCA) Program Launch

NPP introduces revenue-based funding for merchants, providing fast access to working capital based on credit card sales volume.

Contactless Payments Enter the Mainstream

Apple Pay, Google Pay, and NFC gain traction. NPP releases a new generation of terminals with full contactless support.

Unified Commerce Tools Introduced

NPP launches solutions that integrate in-person, online, and mobile payments—responding to the growing need for seamless, omnichannel customer experiences.

Rapid Adaptation During COVID-19

NPP expands support for virtual terminals, touchless payments, and remote payment acceptance—essential tools for merchants navigating lockdowns and social distancing.

Customer Financing Program Launch

Enables businesses to offer installment-based payments to their customers, increasing conversion and ticket size.

Business Capital Programs Launch

Additional working capital options beyond MCA, including term loans, credit lines, and hybrid products.

NPP Relaunches Dual Pricing Under Zero Fees Program

With inflation and rising interchange costs, more merchants turn to zero-fee processing. NPP enhances its Dual Pricing program, ensuring compliance and flexibility across industries.

NPP Relaunches Zero Fee Program & Supports Tap to Pay Readiness

NPP modernizes its Zero Fee Program using compliant dual pricing structures and begins preparing merchants for the coming wave of Tap to Pay on iPhone and Android.

Focus on Speed & Support

NPP promotes same-day funding, 24/7 human support, and flexible device connectivity.

Forward with Embedded Payments & Zero Fees

NPP prepares for the next evolution in merchant services, offering:

We'd Love to Hear From You!

Tell us about your business and what we can do to help.