Our Story

In 2007 things were a bit different. We saw the industry change with the launch of PCI Compliance on 2008. We realized EMV was going to be the largest change in US payment history with the use of Chip Enabled technology. The internet and use of smartphones were exploding along with the evolution of online payments.

We knew we had to keep up and needed to invest in the future of the company. We decided to investigate to see what things were on the horizon. What we have learned was that we were in some sort of a recession-proof industry. What we mean by that is when times were tough for small businesses, we were able to step in and capitalize by reducing their overall expense and become a hero and advocate.

When times were good, we could capitalize on happy merchants processing lots of credit cards who were making lots of money. What’s wrong with that picture? Nothing really until you throw in rate increases, contracts you can’t get out of with no light at the end of the tunnel. Sales professionals who are entitled and only care about their bottom line.

We can’t tell you how many times we’ve heard a merchant tell us these words “They told me they were going to save me the money”. What merchants are really seeking is for someone to be transparent and educate them on why the rates are so high and provide them with something in writing that protects them from the inevitable rate increases our industry offers over time.

Protection Plan

Not just being told what they wanted to hear and then finding out they’re stuck with the disappearing sales act. Here at National Consumer Financial, we offer our merchants a protection plan where if you choose to participate, we can guarantee our pricing structure in writing for a period of 48 months.

This means you can focus on running your business and increasing profits, not wondering if your money is going out the back door. If your aggregate rate increases over time it is clearly obvious why companies give away free equipment. A free $200 terminal is a small investment for a company that makes thousands by overcharging in the rates department. Why do you think they have no contract deals with free terminals? Because they are banking on the fact that you’re going to get busy and will never notice the 4% bill.

You could be paying an extra couple hundred dollars in fees every month and don’t even realize it. Not to mention the bill they never mail to you so you’re forced to call 1-800 sit on hold for an hour. Finally, there must be some logical explanation along with a hefty refund, right? Wrong. They will simply admit to their guilt by lowering their rates. And you reward them with continued service and this cycle starts all over again in their favor with a brand-new contract.

If this story sounds all too familiar you need to call us. Oh, and the reason they let you out of your contract is that they don’t want the bad press. Even if you do cancel with no penalty, we’re sure you have all the time in the world to stop running your business and look for another reputable company to trust who does the exact same thing to you all over again.

We’ve seen this time and time again, which is why we are trying to change the industry landscape for the better. It’s also why we know you will be happy with our products, pricing, and service. Give us a call today and see what we can do for you!

Request a Quote

Satisfied Clients


Merchant Received
Lower Rates



Any Questions?

The way our contracts are set up, you’ll be locked into your rates for 48 months.  This way you don’t have to worry about things changing on you overnight, or when you least expect it.

Yes, each account gets setup with their own sales rep that is there to answer questions and help you get up and running in no time.

Yes, all of our credit card processing solutions are EMV-compliant.

We offer a range of solutions depending on your business and needs.

While it’s not required, we generally recommend it to our merchants. This way you’re able to give your customers real-time feedback regarding the status of their payment.

No, we have no installation or setup fees.

Ready to Talk?

    Our Commitment To You

    “Our team specializes in being cross-trained in all departments of operation. This means we can complete any task at any time of day. Our inhouse staff handles everything from scheduling appointments, reminder calls and dispatching Senior Account Executives to YOU! We take care of all paperwork and underwriting account details. We download the proper software to the proper terminal to ensure you get the proper rates and service!

    Call Toll Free 888-852-7717 to speak to a live team member or email Info@NationalConsumerFinancial.com for more information”