--- title: "National Discount Merchant Services Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about National Discount Merchant Services Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/183599/NDMS-Merchant-Account/" page_type: "product" language: "en" --- # National Discount Merchant Services Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 26, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) National Discount Merchant Services ## What is National Discount Merchant Services? National provides simple yet robust payment services to businesses of all sizes and types, ranging from the corner market to the largest e-tailer. Our technology provides flexible solutions with the lowest rates in the industry. Customer service is our top priority and with our network of banking relationships, businesses get the right solution for their business, and the personal attention they deserve. National platforms process billions of dollars for thousands of merchants. ## What is National Discount Merchant Services used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 27 user reviews Reviews sentiment Positive 85% Neutral 4% Negative 11% Starting price $5 Per User, Per Month Free trial available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for National Discount Merchant Services?[Manage this product listing](https://www.g2.com/products/national-discount-merchant-services/claim_requests/new?auto=true) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### National Discount Merchant Services 4.3 (27) VS. [4.7 (3,658)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting Price $5 Per User, Per Month Starting Price $23.99 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.2 (27) Ease Of Use 4.6 (26,641) Value For Money 4.1 (25) Value For Money 4.6 (20,480) Customer Service 4.4 (25) Customer Service 4.6 (20,738) ## National Discount Merchant Services alternatives [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/183599/NDMS-Merchant-Account/alternatives/) ## FAQs about National Discount Merchant Services Overview ### Which roles and teams benefit most from National Discount Merchant Services? National Discount Merchant Services is most used by business owners, executives, and finance teams that manage daily payment processing and cash flow. Office managers and administrators rely on it to handle transactions and customer billing, while managers in service-based businesses use it to keep checkout operations smooth and revenue reporting organized. Answer based on 27 reviews Overview ### What company size and specific industries is National Discount Merchant Services built for? National Discount Merchant Services is designed for merchants of all sizes that accept payments, including web, mobile, and retail businesses. It serves both low-risk and higher-risk merchants across these payment environments, with support for credit and debit cards, ACH, gift cards, and loyalty programs. Features and Usability ### What are the key features of National Discount Merchant Services? National Discount Merchant Services offers multi-currency support, PCI compliance, and payment links as core features. It also includes ACH payment processing, debit and credit card processing, recurring and subscription billing, in-person and mobile payments, online payments, payment gateway integration, electronic signature, POS, and reporting and analytics. Getting Started and Support ### What training and onboarding options does National Discount Merchant Services offer? National Discount Merchant Services provides in person training, live online sessions, and documentation. In person training supports guided setup face to face, live online sessions allow remote instruction, and documentation gives teams written reference material for self-paced review and ongoing use. Answer based on 1 reviews Getting Started and Support ### What customer support options does National Discount Merchant Services offer? National Discount Merchant Services provides Email/Help Desk, Knowledge Base, Phone Support, 24/7 Live Rep, and Chat. Reviewers mention positive customer service during initial setup and say everything works as advertised, with no complaints about support. Answer based on 2 reviews ## Features AI summary Based on 17,640 Payment Processing reviews Capterra reviewers highlight these features as the top priorities when choosing payment processing software: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) National Discount Merchant Services supports **Data Security** and **Online Payments**, covering two of the most important capabilities buyers look for in payment processing software. However, it does not include **Mobile Access**. Instead, the product offers **Debit/Credit Card Processing** (**52%**) and **Mobile Payments** (**49%**), which still give businesses useful ways to accept transactions across sales channels. Together, these features help businesses protect payment information, process online sales, and give teams more flexibility in how they accept customer payments. Data Security 4.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 3.5 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 5.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Mobile Payments 4.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices In-Person Payments 3.0 (2) 100.00% of 2 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee ACH Payment Processing 5.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) National Discount Merchant Services 13 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Signature: Digitally sign online documents - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Payments: Clients can submit payments via mobile devices - Multi-Currency: Manage and handle various international currencies - Online Payments: Accept and process online payment transactions - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - Payment Links: Send clickable links via text or email to collect payments from customers - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data --- Get Advice We can help you find the software with the features you need. Features 4.4 (27) 4.4 Based on 27 reviews ## Pricing Value for money 4.1 (25) Free Trial Basic $5.00 Per User,Per Month Value for money 4.1 (25) 4.1 Based on 25 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.4 (25) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.4 (25) 4.4 Based on 25 reviews ## User reviews Overall rating 4.3 Based on 27 reviews Filter by rating 5(18) 4(5) 3(1) 2(1) 1(2) Mentioned topic Sorted by most recent MR Mauro R. President Management Consulting ### "Worst Online PPS (Payment Processing Service)" 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 5.0 5.0 Likelihood to Recommend 0/10 July 8, 2024 Great staff, poor quality product; people always willing and able to help but system was a bit complicated to use Pros Their staff was phenomenal, very insightful and patient. Cons Their Risk always blocked my account, something I had never had a problem with using any other system. They always inquired on relationships I had with my clients. Way too complicated and the system itself was like a dinosaur. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Percentage of sale was less however there was a monthly payment here. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing National Discount Merchant Services Percentage of sale was less however there was a monthly payment here. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jeffrey P. Driver Transportation/Trucking/Railroad ### "National discount merchant services review" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 May 15, 2022 It's pretty good overall not as smooth as I expected 8.25/10 Pros Process the payments on time very promptly Cons You like the flow of the business transaction movements when it comes to the online Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Smoother transactions Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JF Joe F. President Computer Software ### "NDMS has great Customer Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 23, 2020 The NDMS team has always been very helpful and attentive to our communications. Pros Everything works as advertised, no complaints, and NDMS has great Customer Service. Cons I have not specific complaints. Everything has worked as advertised. Reasons for choosing National Discount Merchant Services Better customer service and rates. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. HT Heather T. Owner Retail ### "Ease of use" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 16, 2020 Pros Ease of use and it interfaces with my point of sale system flawlessly. Cons I have not found any cons at this point. Reasons for choosing National Discount Merchant Services Floranext ( my POS provider) found your product and suggested it to me. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JW Jessica W. Office Manager Recreational Facilities and Services ### "Simplicity " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 14, 2020 None Pros It is simple and easy to use! Makes it easy for our guests and our staff! Cons I feel as though the program we have is adequate for our business. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KK Kent K. Founder Consumer Goods ### "NDMS" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 13, 2020 The portal and support is solid and easy to use. Pros Their customer support has been excellent. The online portal is easy to use. Easier than other portals we have used for merchant processing. Cons NDMS does not have an integration to Shopify which we would like. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TL Tom L. Manager Leisure, Travel & Tourism ### "Nine out of ten" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 13, 2020 Pros Almost always reliable. Glitches not unheard of, but rare. Cons Never ask for CVV data on credit cards, so I believe we could get better rates if we could provide for more secure transactions Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor March 31, 2022 Good afternoon Tom, we strive towards achieving 5 star ratings. Seeing that you are not totally satisfied, I would like to work toward resolving any issues you may have. I am available via email or phone, or by simply responding to this message. MD Martha D. Onwer Retail ### "High rates" 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 1/10 April 13, 2020 Pros I didn't have another choice when I switch my website. Cons Rates are very expensive. Actually I am looking for another processing service. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor December 3, 2020 Thank you for taking the time to review our service. We'd love to provide a 5-star experience to you, if you would like to discuss pricing please reply to this message to get started. Typically, we offer very competitive pricing. EB Emily B. Accountant Religious Institutions ### "NDMS Merchant Account Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 5/10 April 13, 2020 We use this company as a third party through another program we use so our experience with them is minimal. We run reports monthly for tracking purposes and reconciling. Pros The product is easy to use. It is the software associated with another software package that we use so we did not have a choice on which merchant company to use. Cons It is expensive for what we use it for. We do minimal credit card transactions each year but needed to be able to accept credit cards through another software program that we use and this was the merchant service associated with that software program. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor March 31, 2022 Good afternoon Emily, I'm sorry to see that you are not happy with our pricing. I would like to work toward resolving this issue for you. I am available via email or phone, or by simply responding to this message. DC David C. General Manager Hospitality ### "Dependable" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 9, 2020 Very easy to access and dependable as any credit card merchant should be. Easy to balance payments and manage refunds with transaction id search. Paperless statements allow me to save time and space with records. Highly recommended Pros Very easy to access and dependable as any credit card merchant should be. Easy to balance payments and manage refunds with transaction id search. Cons The dashboard has changed a couple times, giving a short learning curve navigating a new look. Yet always the same dependable service. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/183599/NDMS-Merchant-Account/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs National Discount Merchant Services](https://www.capterra.com/compare/183599-207944/NDMS-Merchant-Account-vs-PayPal) [Venmo vs National Discount Merchant Services](https://www.capterra.com/compare/183599-222572/NDMS-Merchant-Account-vs-Venmo-)