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National Discount Merchant Services Reviews & Complaints
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Overview
In this review of National Debit Merchant Services (NDMS), we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific features provided. By the end of this review, you will understand whether NDMS meets your payment processing needs.
About National Discount Merchant Services
Founded in 2002, National Discount Merchant Services is a Los Angeles-based merchant account provider that serves businesses of all sizes and types. The company claims to be a direct processor and states that it can process payments for international businesses as well as domestic businesses.
National Discount Merchant Products and Services
Payment Gateway
National Discount Merchant Services collaborates with various partners, such as Authorize.Net, CyberSource, ePay+, PaidYET, Paypal Payflow Pro, NMI, and USAePay, to offer a range of payment gateway options. Merchants can use their own computer as a register, monitor and manage transactions via a merchant console website, add a verified seal to their website, and utilize certified shopping carts.
Mobile Payment Solutions
National Discount Merchant Services provides a mobile payment service that caters to businesses requiring the ability to accept payments on the move. This service is particularly useful for businesses operating in non-traditional or outdoor settings, enabling them to process card transactions using mobile devices for enhanced convenience and accessibility.
E-Commerce Services
To support the increasing trend toward online shopping, National Discount Merchant Services offers a secure e-commerce payment processing service. This service includes a reliable online payment gateway, helping businesses handle online transactions efficiently and securely, meeting the demands of digital commerce.
Virtual Terminal Services
National Discount Merchant Services provides a virtual terminal service that is useful for businesses processing orders via mail or phone. This service allows for the manual entry of card details into a secure, web-based system, offering a practical solution for remote payment processing.
Integrated Business Solutions
Beyond payment processing, National Discount Merchant Services offers integrated software solutions that aid in various business operations. These tools include functionalities for payment processing, inventory management, customer relationship management (CRM), and data analytics, aimed at enhancing overall operational efficiency.
National Discount Merchant Services Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | Yes |
Most Common Complaint | N/A |
Recent Lawsuits | No |
Customer Reviews Summary
Only a few negative reviews have been found for National Discount Merchant Services (NDMS), suggesting the company is not involved in scam or ripoff practices. There are no alternative business names associated with NDMS that could be absorbing complaints, and no signs that NDMS complaints are misdirected to its acquiring bank. The primary issues raised in the limited complaints include aggressive marketing tactics and undisclosed fees for businesses with low transaction volumes. We welcome additional reviews of National Discount Merchant Services in the comments below.
Legal and Regulatory Status of NDMS
There are no current class-action lawsuits or Federal Trade Commission (FTC) complaints filed against National Discount Merchant Services. Clients seeking non-litigious resolution options are encouraged to consider reporting to appropriate supervisory bodies.
Assessment of NDMS Customer Support
NDMS offers standard customer support options, including phone and email contact. However, it is unclear if these channels connect directly to an in-house support team. These support options are typical in the industry and do not qualify NDMS for recognition among the best payment processors for outstanding customer service.
Contact Information for NDMS Customer Service
- (310) 997-0100 – Local Office Contact
Additional Customer Support Channels
- Online support form
- Email: [email protected]
Considering NDMS’s relatively clean complaint record, we have rated the company an “A” in this category.
National Discount Merchant Services Online Ratings
Here's How They Rate Online
No Profile Available
The Better Business Bureau does not maintain a profile for National Discount Merchant Services at this time. We will therefore not factor a BBB rating into this review.
National Discount Merchant Services Fees, Rates & Costs
A Closer Look at The Contract
Cancellation Penalties | Yes |
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Monthly & Annual Fees | Yes |
Processing Rates | Interchange-Plus |
Equipment Leasing | Yes |
Tiered or Interchange Pricing
National Discount Merchant Services does not publicly share its contract details on the website. However, the company does offer tiered and interchange-plus pricing models, along with a minimal $5 monthly fee. NDMS provides interchange-plus pricing specifically tailored for businesses with high transaction volumes. The presence of a multi-year commitment, any early termination fees, or PCI compliance fees remains unspecified on their platform. Potential clients are advised to inquire about these terms directly. A customer mentioned in the comments has reported a $25 account deactivation fee.
Virtual Terminal and Payment Gateway Pricing
NDMS extends its services to include solutions for online transactions, featuring virtual terminal and payment gateway services prominently on its website. The company lists Authorize.Net, CyberSource, ePay+, PaidYET, Paypal, NMI, and USAePay as its partners for payment gateways. Pricing varies depending on the chosen payment gateway partner and might include additional charges such as gateway fees, technical support fees, batch fees, and extra transaction rates for e-commerce operations.
Few Contract Complaints
While not the most competitive, the contract terms of NDMS are considered reasonable when compared to the market, but they do not align with the offerings of the most affordable merchant account providers. There is no indication that the company engages in the sale of non-cancellable equipment leases, and only a single public complaint references unexpected or high fees associated with the service. This suggests that the majority of NDMS’s clientele may be content with the pricing structure. Businesses seeking alternative options are advised to review our compilation of the top merchant account providers.
National Discount Merchant Services Employee Reviews & Sales Tacitcs
Should You Work For Them?
Uses Independent Resellers | Yes |
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Telemarketing | Likely |
Misleading Marketing | Yes |
Discloses All Important Terms | No |
Inside/Outside Sales Team
National Discount Merchant Services appears to primarily market its services through a combination of independent sales agents, ISOs, referrals, and strategic partnerships. The use of independent sales agents is commonly linked to elevated complaint rates within the credit card processing industry, but we have not found any NDMS reviews that accuse the company’s sales staff of deceptive tactics. This suggests that the company maintains a higher-than-average degree of control over its sales agents’ conduct.
This also compares favorably to our list of best credit card processors.
However, if you suspect that you are being overcharged, you can seek a third-party statement audit to find and eliminate hidden fees.
NDMS Rate Quotes
The NDMS website features a number of advertised pricing plans for merchants. These plans include a card-present rate of 1.39% plus a $5 monthly fee and a card-not-present rate of 1.79% plus $5 per month. The company notes in very small text that these quotes only apply to Qualified swiped transactions and keyed transactions with successful address verification, while transactions that don’t meet these requirements will receive a Mid-Qualified surcharge of 0.75% or a Non-Qualified downgrade fee of 1.50%. Despite the fact that these downgrade fees are technically disclosed, merchants could potentially sign up for service with an unrealistic expectation of the rates they will pay. We have accordingly lowered the company’s score in this section.
Our National Discount Merchant Services Review Summary
Our Final Thoughts
National Discount Merchant Services (NDMS) is currently regarded as a dependable option for credit card processing based on all the data available. The company stands out for its minimal number of public complaints and its offering of contract terms that align with industry standards, which suggests a fair approach to its business operations. However, the absence of a Better Business Bureau (BBB) profile for NDMS means that a key source of consumer feedback and accreditation is missing, which could impact the company’s transparency and perceived reliability.
OOour assessment of NDMS remains positive but cautious, as the development of a BBB profile could either confirm the company’s solid practices or reveal issues not currently evident through other channels. In light of this, business owners are advised to thoroughly examine NDMS’s pricing and contract details. Comparing these aspects with those offered by top-rated credit card processors is crucial. Such comparisons ensure that merchants are not only getting competitive rates but also partnering with a processor that consistently demonstrates best practices in terms of fees, customer support, and contract transparency. This careful approach will help businesses secure the most beneficial terms for their specific needs.
Location & Ownership
NDMS is headquartered at 1140 Highland Ave #193, Manhattan Beach, California 90266, and is a registered ISO/MSP of Elavon and of Chesapeake Bank, Kilmarnock, Virginia. Todd Eichner is the founder and CEO of NDMS.
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Scott Harris
If you are a low volume merchant, be very careful of NDMS. They are chock full of fees. Ever time you look they are hitting you with some additional charge. I closed my account in February and they kept it open until April 1 – guess what, another bunch of monthly fees. They deduct their fees automatically from you checking account – yikes, no time to stop that…more fees. I just paid a $25 deactivation fee – yep, automatically deducted from my account.
Darren Watson
Ok, these are by far the least professional marketers I have ever encountered. They use antiquated marketing tactics of harassing auto-dialing calls and random selection call lists. As a result, their online reputation is terrible. Their card service quality doesn’t mean anything if their bulldog method of selling it is so sub-par.
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