National Discount Merchant Services Review

August 13, 2022

National Discount Merchant Services Review

National Discount Merchant Services (NDMS) offers credit card processing services for high-risk merchants. It also supports other business types with B2B, international, mobile, omnichannel, e-commerce, retail, and remote payments. The company has an extensive selection of services and has worked with some major businesses.

Below is an overview of merchant services offered by National Discount Merchant Services:

  • Merchant accounts
  • Payment gateway
  • Virtual terminal and POS countertop terminals
  • Payment processing of credit cards, ACH payments, e-checks, loyalty cards, and mobile wallets

image of national discount merchant services logo

National Discount Merchant Services Merchant Services

High-Risk Merchant Accounts

National Discount Merchant Services provides high-risk merchants with a merchant account for credit card processing. Its other high-risk merchant services include tokenization, payment gateways, point-of-sale systems, and more.

Payment Gateway and Payment Terminals

The company’s merchants will have access to multiple payment gateways. The options are USA ePay, NMI, Paypal Pay Flow Pro, PaidYET, ePay+, CyberSource, and All gateways have high levels of compliance and security. Another feature in the gateway is a merchant console. This allows merchants to view and manage transactions. You can also download reports, set up recurring billing schemes, and more.

National Discount Merchant Services also offers other payment systems for retail, mobile, and MOTO merchants. These include virtual terminals and POS terminals. A virtual terminal allows merchants to accept credit cards over the internet or via smartphone or tablet. Retail merchants, can avail themselves of the company’s countertop terminals.

image of payment terminals


Payment Processing

With these payment systems, merchants can start processing payments. The company supports credit card payments from Visa, MasterCard, Discover, and American Express. Other payment options include ACH payments, e-checks, loyalty cards, and gift cards. Merchants can also accept mobile wallets like Apple Pay and Google Pay.

Apart from domestic transactions, NDMS makes it possible to process international transactions. Merchants can accept payments from more than 150 currencies.

E-commerce Integration

National Discount Merchant Services will help e-commerce merchants with website integrations. Its payment system is compatible with hundreds of different shopping carts. Additionally, merchants will have access to a verified merchant seal for their website. The company also provides APIs as another integration option.

Chargeback Prevent and Fraud Protection

NDMS’ payments systems are equipped with security features to prevent fraud and manage chargebacks. One is the secure vault, which ensures the privacy and security of a customer’s credit card information. Another feature is tokenization. This adds another level of security by using tokens instead of sensitive credit card data. Transactions also go through identity verification through Verified By Visa and MasterCard SecureCode.

For fraud prevention, in particular, merchants will have access to leading techniques. The company’s payment gateway has automatic sales screening to prevent fraud in real-time. Other tools include 3D security, CSC checking, velocity pattern analysis, computer fingerprinting technology, basic AVS checks, identity morphing detection, delivery address verification, and geolocation.

NDMS also helps merchants with chargeback management. It allows merchants to settle disputes before incurring unnecessary losses.

image of national discount merchant services fraud prevention


National Discount Merchant Services Fees, Rates, and Pricing

Processing Fees

The rates from NDMS depend on the type of account and business you have. For high-volume merchants, transactions follow an interchange-plus pricing model.

  • For card-present or retail transactions, including swipes, chips, and dips, rates start at 1.39% per transaction.
  • For card-not-present transactions, such as eCart, e-commerce, remote, and MOTO, rates start at 1.79% per transaction.

Additional Fees

NDMS charges an additional monthly fee of $5. It is unclear whether the company charges other fees for its products and services.

Hidden Charges

NDMS does not seem to have a reputation for charging hidden fees. However, it is best to discuss your pricing plan in detail with the company.

image of national discount merchant services has no hidden charges

National Discount Merchant Services Complaints

National Discount Merchant Services has generally favorable reviews from merchants. While most gave the company high ratings, we found 3 reviews with negative feedback. Below is a summary of the issues.

Rip Off Reports

None of the reviews were related to fraud or feeling ripped off by the company.

Other Complaints

Two of the three complaints were regarding the company’s rates. Out of a 5-star standard, one review gave the company a 2-star rating. They complained about high rates that did not benefit their business. While the other review also mentioned its high rates, it still gave it 4 stars for its other benefits.

The third negative review mentioned not being able to process payments through their NDMS system.


National Discount Merchant Services BBB Rating

National Discount Merchant Services is not an accredited company by the BBB.

BBB Reviews

The company does not have any BBB reviews.


Is National Discount Merchant Services Legitimate?

image of is highrisk gateways legitimate

National Discount Merchant Services is a legitimate company with over ten years of experience. It boasts an impressive list of clients, which gives the company a high level of credibility. The company also mentions working with Activision, Red Bull, Adidas, Vodafone, and Arizona State University.

Apart from its website, NDMS has a strong online reputation. It appears in several online articles from merchant review sites. They all gave the company high ratings with good things to say about its services.


We have not found any reports of scams about National Discount Merchant Services.


Likewise, there seem to be no lawsuits against National Discount Merchant Services.


National Discount Merchant Services Customer Reviews

NDMS has a 4.4 rating from 25 reviews on Capterra. Save for the three complaints mentioned above, all reviews gave it 4 or 5 stars. They praise the company’s customer service, easy setup, and reporting. Some even consider it to be the best merchant service provider in the industry. Overall, merchants say they are satisfied with its reliable and professional services.

image of national discount merchant services customer reviews


National Discount Merchant Services is an excellent choice for high-risk credit card processing. The company offers a variety of payment services that can benefit all industries. Its high-profile clients further testify to its expertise and credibility. While some merchants have complained about its rates, most are satisfied with its services. In that regard, the company is worth considering.

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