Note: As of September 2021, the BBB has made a note that they believe this company to be closed. However, their website is still functioning. We will update this page with more information when we uncover it.
Overview
In this review of National Debit Card Network, we will provide an insightful overview of their services, including payment processing options, mobile solutions, and e-commerce capabilities, alongside their rates, fees, and contract terms. We'll also discuss their affiliation with The Federated Group and EVO Payments International and what that means for their offerings.
We'll look at customer and employee perspectives, analyzing common complaints, marketing strategies, and legal aspects. Additionally, we'll assess the pros and cons of partnering with National Debit Card Network, focusing on customer support, pricing, and network reliability. This review aims to give you a clear understanding of National Debit Card Network's position in the payment processing industry, helping you make an informed decision.
About National Debit Card Network
Founded in 2013, National Debit Card Network is a merchant account provider that provides services to businesses in the U.S. and Canada. National Debit Card Network is a subsidiary of The Federated Group, a network of payment processing companies that includes Federated Payments, Volt Payments, MSI Canada, U.S. Bankcard Center, and Wholesale Merchant Services Canada. Federated was acquired by EVO Payments International in October of 2018, but at this time it is unclear how the acquisition will affect National Debit Card Network. As of this update, the website for Volt Payments does not appear to be active. We speculate the company may no longer be in operation.
National Debit Card Network handles major debit and credit card payments for a variety of business types. Their services include 24/7 customer support, membership to a small business discount and resource network, gift and loyalty solutions, cash advances, training and setup, secure PCI-compliant POS equipment, EBT certification, mobile solutions through AcceptPro, virtual terminals, extensive online payment solutions, and mail order/telephone order (MOTO) payments.
Mobile Payment Solutions
The company provides mobile payment solutions compatible with devices such as iPhones, iPads, and Android phones, allowing merchants to turn these devices into credit card machines.
Gift Cards and Loyalty Programs
National Debit Card Network offers gift card and loyalty program solutions to help merchants enhance customer engagement and increase profits.
Cash Advance and Check Guarantee Services
Additional services include cash advances and check guarantees, which are designed to improve cash flow and reduce risks for merchants.
National Debit Card Network offers standard payment processing services
National Debit Card Network Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
10+
Live Customer Support
Yes
Most Common Complaint
Sales Tactics
Recent Lawsuits
No
Insight into National Debit Card Network Reviews
Our review process has uncovered over 10 negative reviews concerning the National Debit Card Network. These reviews, shared by both customers and former employees, raise serious allegations of scam or ripoff practices. The criticisms primarily highlight unethical sales tactics, exorbitant fees, non-transparent contract terms, inadequate compensation, and a lack of professionalism within the workplace. Customers specifically report encounters with rude and overly aggressive sales approaches, hidden charges, and obstacles when attempting to discontinue service. We invite you to share your experiences with National Debit Card Network in the comments below for a broader perspective.
National Debit Card Network Legal and Regulatory Status
Our search did not reveal any active class-action lawsuits or Federal Trade Commission (FTC) complaints against National Debit Card Network. For those preferring resolution outside the courts, engaging with appropriate regulatory authorities is a recommended course of action.
Evaluating National Debit Card Network’s Customer Support
National Debit Card Network commits to providing round-the-clock phone support throughout the year. Despite a relatively low to moderate volume of overall complaints, the connection of National Debit Card Network with Federated Payments suggests the possibility of systemic issues behind the grievances.
National Debit Card Network Support Contacts
(877) 738-7424 – Toll-Free Customer Service Number
Given the nature and handling of complaints, National Debit Card Network has been assessed with a “C” rating in customer service, indicating room for improvement to match the standards of top-tier payment processors.
This revised content aims to provide an unbiased overview of National Debit Card Network, incorporating customer and employee feedback, legal information, and customer support details. By including SEO-optimized keywords related to “reviews,” “complaints,” and “customer service,” this update seeks to enhance visibility and offer valuable insights to individuals researching National Debit Card Network.
Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.
Low Complaint Total
National Debit Card Network currently has no rating with the Better Business Bureau and is not accredited, though it previously held an “A+” rating and was accredited since January 2016. The company has received 0 complaints in the last 3 years. As of a previous update, National Debit Card Network had received 3 total complaints to its BBB profile.
An “A” Performance Overall
Considering National Debit Card Network’s complaint total and efforts toward resolution, we agree with the BBB’s grade of an “A.”
National Debit Card Network doesn’t provide specific pricing or contract terms on its website. However, a detailed complaint from a former employee sheds light on the company’s fees. According to the complaint, the standard contract entails a 3-5 year agreement with automatic one-year renewal, an early termination fee exceeding $395, variable monthly minimum and annual fees, a PCI compliance fee ranging from $80 to $200, and tiered pricing. The former employee notes that the standard quote sheet often omits several fees.
Virtual Terminal and Payment Gateway Pricing
Apart from its in-store payment processing, National Debit Card Network promotes its virtual terminal and payment gateway services through Safepay on its website. However, pricing details are not disclosed. These services include MasterCard SecureCode and Verified by Visa authentication programs. Additional rates and fees, such as gateway fees, technical support fees, batch fees, and transaction rates, are typically applicable to these e-commerce services.
Be Wary of Equipment Leases
An employee complaint reveals that the company earns commissions from long-term equipment leases. It’s advisable for businesses to purchase equipment outright whenever feasible rather than leasing it. For more options, business owners can explore our list of top merchant services providers.
Consistency Across Reports
Reported terms of the National Debit Card Network contract align closely with those of Federated Payments. Hence, we assign National Debit Card Network a “C” rating in this section. Currently, the company doesn’t qualify as a budget-friendly credit card processor.
National Debit Card Network offers extensive eCommerce solutions
National Debit Card Network Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
Uses Independent Resellers
Yes
Telemarketing
Yes
Misleading Marketing
No
Discloses All Important Terms
No
Outside Sales Team
Like Federated Payments, National Debit Card Network appears to employ a combination of telephone appointment setters and independently contracted outside sales agents to market its services. This combination is usually responsible for elevated complaint totals within the credit card industry. National Debit Card Network is no different, as we are currently able to locate more than 10 National Debit Card Network reviews that describe conditions similar to a standard industry “hiring mill.” This does not compare favorably to our list of best credit card processors.
Employee Complaints
The overwhelming majority of these National Debit Card Network complaints have been posted by former employees of National Debit Card Network and Volt Payments. Here is an excerpt from one such National Debit Card Network complaint:
ATTENTION – Volt Payments, www.voltpayments.com and National Debit Card Network, www.nationaldebitcardnetwork.com is a scam. These two companies are just a new façade for Federated Payment Systems, ran by Jon Levitt and Scott Avery. This is another pathetic attempt to hide from a disgusting reputation.
Federated Payments has 5 other company names on its doors. All in an attempt to defraud merchants and sales people. They will even go so low as to contact businesses who previously had accounts with Federated Payments and try to rekindle relationships under a different name. The tactic is simple: Federated Payments will close a merchant’s account. Either because the merchant gets fed-up with the lies or poor service, or Federated closes the account intentionally. They then charge a cancellation fee, and then pitch the very same merchant, but under a different name. Just look at the websites – all located at 2 Huntington Quad, 3rd Floor.
They do the same thing with sales people. They will send out mass emails to everyone who has ever worked for them, but under a different company name such as Volt Payments or National Debit Card Network and try to fool these sales people into selling for them again.
We can independently confirm that National Debit Card Network and Volt Payments were previously aggressively advertising sales positions on job search websites. These job listings do not mention the companies’ affiliations with each other or with Federated Payments. Similarly, the companies’ websites do not acknowledge that they are tied to one another despite the fact that they are all listed at the same address.
Other Sales Complaints
Other employee complaints mention an unprofessional work environment, poor employee support, bad leads, and delayed payouts. Employee complaints do not reflect positively on any company, and Federated Payments already has a negative reputation when it comes to its sales and marketing tactics. These factors incline us to assign National Debit Card Network a “C” in this section. If you suspect that National Debit Card Network is charging you undisclosed fees, we recommend seeking a third-party statement audit.
Our National Debit Card Network Review Summary
Our Final Thoughts
National Debit Card Network is rated as an average credit card processing provider. The available information suggests that there is little differentiation between the sales practices, pricing strategies, contract terms, and even staff management of National Debit Card Network when compared to similar entities like Federated Payments and Volt Payments. This lack of distinctiveness indicates that the services provided are fairly standard within the industry, without standout features or notable innovations that might elevate the company’s status above average.
Businesses considering National Debit Card Network for their processing needs should take careful measures to ensure they are making the most informed decision. It is advisable to thoroughly compare the contract terms and overall offerings of National Debit Card Network with those of top-rated all-purpose providers in the credit card processing industry.
Location and Ownership
National Debit Card Network is a registered ISO/MSP of Deutsche Bank AG, New York, and shares its headquarters with Federated Payments at One Huntington Quadrangle 4th Floor, Melville, New York 11747. The National Debit Card Network website does not disclose the identities of its executive leadership team, but the only author to have posted on the previous site’s blog is Greg Slote, the vice president of marketing and corporate communications at Federated Payments. An Irene Marmott is also listed online as president of National Debit Card Network. There are also multiple complaints from former employees who state that Volt Payments, Federated Payments, and National Debit Card Network share the same office space and executive leadership. It therefore seems very likely that the two companies share at least some employees, offices, and resources.
If you found this article helpful, please share it!
In the late 2000s, as a broke college student struggling to make ends meet, I was contacted by a merchant services company after uploading my resume to a job listings website. This company promised substantial commissions and ongoing residual income for simply persuading businesses to accept credit card payments. It seemed straightforward enough—after all, what business doesn’t need to process credit card payments? Following a phone interview with a persuasive “sales director,” I found myself embarking on what I believed would be an easy job that would significantly boost my bank account with reliable monthly income and large sales commissions. However, the lessons I learned would profoundly change my life in ways I could never have imagined.
After completing my sales training, I hit the ground running, eager to make sales. This broke college student was determined to improve his financial situation! My first attempt at a cold call, with no prior appointment, ended with a burly man in his 50s yelling at me to leave, claiming he had been “totally robbed” by someone like me before. As I hastily exited, puzzled and intimidated by his reaction, I couldn’t help but wonder what he meant. Throughout the day, I encountered similar hostility from other business owners, all expressing disdain for the industry I had been so excited to join that morning. Confused and curious, I decided to shift my approach from selling to listening.
I quickly uncovered that the merchant services sector was riddled with unethical practices, including hidden fees, deceptive marketing, fine-print traps, and much more. It dawned on me that I had nearly been tricked by a dubious company into selling overpriced services under contracts with long-term commitments, all without being fully aware of what I was promoting. Outraged, I resigned from that company but learned that there were indeed ethical credit card processing companies that treated their clients fairly. Over the next four years, I worked for one such company, assisting hundreds of businesses in securing cost-effective processing solutions. Yet, I also met many more who had been misled and trapped in onerous service agreements. Determined to help people steer clear of these unscrupulous providers, I launched this website in my spare time, dedicating myself to researching and sharing my findings on every merchant account provider I could investigate.
Gradually, more and more business owners began to discover my articles. As word spread, search engines started to rank my content highly, amplifying its reach. My efforts were making a difference! Eventually, the website garnered enough traffic to enable me to leave my job and focus on it full-time, a journey that has now spanned over a decade. This path has not been without its challenges; unscrupulous company owners have tried to intimidate and sue me into silence on several occasions. Yet, I have stood firm against each threat. Here I am, continuing to publish reviews and articles, hoping to safeguard others from the pitfalls of the credit card processing industry.
If you believe in my mission and wish to contribute, please share my articles on your websites and social media. Thank you for visiting!
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National Debit Card Network offers extensive eCommerce solutions
Testimonials & Complaints
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