National Payment Corporation is more than a provider of merchant services. Our goal is to educate our clients, so they understand what’s happening with their money and how the services we provide are helping to grow and support their business goals.

Below is a list of the most frequently asked questions we get as merchant services providers. If you have further questions, or if your question is not answered below, please reach out to us on our customer service hotline


  • How long does the approval process take?

    Once your application is complete, the processing time is usually 24 hours or less, depending on the type of business you have and its financial history. If approved, we will promptly inform you of your acceptance and deliver the requested terminal equipment and/or software, and assist with set up.

  • What business types does NPC accept as clients?

    We accept any type of retail, professional service providers, trade shows, mail order, telephone order, Internet based, and home-based businesses.

  • Do I need a business license to obtain a merchant account?

    You do not necessarily need a business license, although it is a document that would satisfy the Premises Inspection Requirement. You do not need to have a business license if you can provide a different acceptable core documentation item that is required. These items vary depending upon the level of risk associated with your business, and will be handled on a individual basis by our merchant services representatives.

  • Do I need a business checking account to obtain a merchant account?

    You only need a business checking account if your business is set up as a corporation. If it is a sole proprietorship, you may use a personal checking account or a business checking account.

  • What if I have less than perfect credit?

    Technically, your personal credit score does not affect your merchant account rates. However, if you have a low credit score there is the possibility that you may not be eligible. We can sometimes approve a merchant account application despite a low personal credit score by putting other stipulations in place.

  • What credit cards will I be able to accept with a merchant account from National Payment Corporation?

    NPC can set you up so that you can accept MasterCard®, Visa®, American Express®, Discover® and PayPal™ In Store, as well as bank ATM debit cards.

  • Do I need to have an American Express or Discover account before I apply?

    No, you do not. We will handle all these issues for you.

  • My website isn’t ready; can I still qualify for an account?

    Yes, we can accept temporary websites, something very basic that shows product and/or pricing. It does not have to be live to the public, but it should show enough to give us a sense of what you are selling and for how much.

  • Can I use a smartphone or tablet to process credit cards?

    Yes, NPC has a variety of web based and mobile payment processing systems to help you accept payment via tablet or smartphone. IF you are interested in learning about our mobile optimized payment processing options, please ask a customer service representative for more information.

  • Is there a customer service number that I can call if I need help?

    Yes! We offer two levels of extraordinary support. Our Toledo office is available during traditional business hours and will answer your call within three rings! 1-800-455-4577. Our National Customer Support team is available to you 24/7/365! 1-800-683-2289

  • Will I receive a monthly statement?

    Yes, a statement is mailed to you every month.

  • What is the discount rate?

    The discount rate is the fee that a merchant pays to the acquirer for processing services that enable the merchant to accept bankcards as payment. Our discount rates are extremely competitive.

  • What is the Address Verification System?

    If you sell mail order/telephone order, or through the Internet, you don’t want to send a product to a false address and have a risk of receiving a chargeback. The Address Verification System (AVS) lets you enter the customer’s home address and compares it to the address on file with their credit card company. If someone uses a stolen card, and wants products shipped to a false address, AVS will help detect this for you.

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