NPP
NPP (National Payment Processing) is a US-based merchant services ISO providing payment processing, POS solutions (Clover, NCR), zero-fee pricing programs, and customer financing to 56,000+ small and mid-sized merchants across retail, restaurant, service, e-commerce, nonprofit, and high-risk verticals.
- Company typePrivate
- Founded1990
- HeadquartersStockton, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What NPP does
NPP (National Payment Processing) is a US-based merchant services provider and registered Independent Sales Organization (ISO) founded in 1990 and headquartered in Stockton, California. The company operates a multi-bank ISO model sponsored by at least eight US financial institutions (Wells Fargo, PNC, Deutsche Bank USA, Merrick Bank, Woodforest National Bank, Fifth Third Bank, Citizens Bank, and KeyBank), enabling it to deliver card-present and card-not-present payment processing across retail, restaurant, service, e-commerce, nonprofit, and high-risk verticals to a cumulative base of more than 56,000 merchants. Core products span in-store and mobile POS (Clover Station, Station 2018, Mini, Flex, Go, NCR Silver, NCR Silver Quantum), online checkout and invoicing, self-ordering kiosks, field service payments, and nonprofit giving, layered with zero-fee/cash-discount pricing programs (Zero Fee and EZ+ Pricing) that pass credit transaction fees to card-paying customers to reduce merchant cost.
Revenue is generated through transaction-based fees, monthly and flat-rate service subscriptions, residual income shared with ISO agents, customer financing (NPP Pay Later installment loans and NPP Fund & Pay), and merchant cash advances, with pricing structured as interchange-plus, flat-rate, and cash-discount tiers. Distribution is delivered via direct phone and web sales supplemented by an ISO Agent Program and affiliate channel, with go-to-market scaled through partnerships with Clover (Fiserv) and NCR for POS hardware and software. NPP operates exclusively in the US, has no disclosed parent company or institutional funding, and reports no AI/ML capabilities or proprietary model assets; the technology stack is conventional EMV/NFC/POS integration with branded financial products layered on top.
NPP firmographics
Firmographics- Name
- NPP
- Legal name
- National Payment Processing
- Website
- https://nationalpaymentprocessing.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- NPP (National Payment Processing) is a US-based merchant services ISO providing payment processing, POS solutions (Clover, NCR), zero-fee pricing programs, and customer financing to 56,000+ small and mid-sized merchants across retail, restaurant, service, e-commerce, nonprofit, and high-risk verticals.
- Ownership category
- akta.pro rank
NPP industry classification
Industry- Product category
- Payment Processing / Merchant Services
- NAICS
- Sales Financing (52222)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)
- akta.pro secondary industries
- Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where NPP is headquartered
LocationHeadquarters
- HQ city
- Stockton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
NPP business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Transaction Processing Fees: NPP earns revenue from transaction fees charged to merchants for processing credit and debit card payments. Traditional processing typically costs merchants 3%-5% per transaction, though zero-fee programs shift these costs to card-paying customers.
- Monthly/Annual Service Fees: Merchants may pay monthly or annual fees for merchant account services, POS equipment, and software subscriptions. Some plans include flat-rate pricing for predictable monthly billing.
- ISO Agent Residuals: Revenue sharing with independent sales agents who sign up merchant accounts. Agents earn residual income based on merchant transaction volume, creating ongoing revenue stream for both agents and NPP.
- Customer Financing (NPP Pay Later): Installment loans for customer purchases ($125 to $10,000) with 3-24 month terms. NPP earns 5.99% of amount funded plus $1.25-$1.80 per transaction from merchants. Consumer APR ranges approximately 22.95%.
- Merchant Cash Advance: Lump-sum payments to merchants in exchange for a percentage of future daily credit card income. Approved based on 3-4 months of processing history.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | EZ+ Pricing - Cash Discount Alternative |
| Hybrid | Pay-as-you-go | Zero Fee Credit Card Processing |
| Subscription | Monthly | Flat Rate Pricing |
| Transaction based/ take rate | Monthly | Pay Later Financing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
NPP product offering
Product offeringCore offering
NPP (National Payment Processing) is a registered Independent Sales Organization (ISO) that provides credit/debit card payment processing services to small and mid-sized merchants across the United States. Its offering combines payment acceptance (in-store, mobile, online, and field service) with POS hardware from Clover and NCR, Zero Fee/Cash Discount pricing programs, multi-tiered funding (Next-Day, Same-Day, Instant), and merchant/customer financing products (NPP Pay Later, Merchant Cash Advance, Business Capital). The company operates as a merchant services provider under sponsorship from multiple U.S. banks.
Product overview
NPP (National Payment Processing) is a merchant services provider offering a unified payment acceptance platform spanning in-store, mobile, online, and field service environments. The core offering centers on POS payment processing paired with Zero Fee/Cash Discount pricing programs (including the branded EZ+ Pricing) that allow merchants to offset or eliminate credit card processing costs. The product portfolio includes multiple POS device lines: Clover devices (Station, Station 2018, Mini, Flex, Go) offering EMV, NFC, and magstripe acceptance with access to the Clover App Market ecosystem; and NCR Silver/NCR Silver Quantum for iOS and Android-based POS management. Supporting services include Customer Financing (NPP Pay Later), Merchant Cash Advance, Business Capital, and multi-tiered Faster Funding options (Next-Day, Same-Day, Instant). The company operates as an ISO (Independent Sales Organization) with banking partnerships supporting merchant account services.
Differentiator
Problem solved
Functional benefit
Brands
- NPP Pay Later: Customer financing solution offering installment loans for purchases from $125 to $10,000 with terms from 3-24 months.
- NPP Cash Discount
- NPP Agent Program
- NPP Fund & Pay
Products and services
- In-Store POS Countertop, tableside, and POS payment solutions for retail, restaurants, QSR, and salons. Includes sales tracking, inventory management, reporting, and integration with Zero Fee pricing, targeted at SMB merchants.
- Mobile POS Solutions Handheld payment terminals and card readers enabling payment acceptance anywhere for mobile businesses, service providers, and pop-ups. Includes Tap to Pay on supported devices.
- Online Payments & Invoicing Ecommerce payment gateway, payment links, recurring billing, and hosted checkout pages enabling online transaction processing with fraud protection for SMB merchants.
- Self-Ordering Kiosks Self-service kiosk solutions for restaurants and quick-service businesses that integrate with POS systems and Zero Fee pricing to speed up ordering and checkout.
- Field Service Payments Mobile payment solutions for home services, contractors, repair teams, and field technicians. Includes job scheduling, estimates, invoicing, deposit collection, and on-site payment processing from a centralized dashboard.
- Nonprofit Giving Donation and giving campaign payment processing tools designed for churches and charities, supporting in-person, online, and text-to-give donation methods with special nonprofit pricing.
- Zero Fee Credit Card Processing Compliant zero fee program using dual pricing or true cash discount models that offset or eliminate processing costs by passing fees to card-paying customers, legal in all 50 states.
- High Risk Merchant Accounts Payment processing solutions for high-risk businesses including CBD, supplements, travel, digital services, and subscription-based merchants. Features customized underwriting and stable banking relationships.
- Customer Financing (NPP Pay Later) Installment loan financing at point-of-sale allowing customers to pay $125 to $10,000 purchases over 3-24 months. NPP Pay Later provides consumer loans with APR of approximately 22.95% and no setup fees; merchants pay 5.99% of amount funded plus $1.25-$1.80 per transaction.
- Business Capital Small business funding solutions for cash flow, growth, equipment, expansion, and working capital needs.
- Merchant Cash Advance (MCA) Lump-sum funding in exchange for a percentage of future credit card sales. Approved based on business processing history; provides quick funding without traditional loan structure or due dates.
- Faster Funding (Next-Day / Same-Day / Instant) Multiple funding speed tiers: Next-Day Funding for eligible businesses, Same-Day Funding for mid-night/early morning batches, and Instant Funding for same-day card sales access within approximately 30 minutes of request.
- Clover Flex (POS device) Handheld, portable POS system with touchscreen, integrated receipt printer, and barcode scanner. EMV-capable and supports NFC/contactless payments. Designed for mobile merchants, restaurants, and retail.
- Clover Go (POS device) Low-cost mobile card reader compatible with iOS and Android. Accepts chip cards (EMV), magnetic stripe, and supports Apple Pay/Google Pay via NFC. Features Clover Security Plus encryption and email receipts.
- Clover Station (POS device) Full-featured countertop POS system. Processes EMV chip cards in 2.9 seconds (5x faster than other EMV devices), accepts magnetic stripe and NFC/contactless payments, and supports the Clover App Market for business management extensions.
- Clover Mini (POS device) Compact POS device for counter or tabletop use. Accepts swipe, dip, and tap payments. Integrates with full Clover ecosystem including App Market and gift card functionality.
- NCR Silver (POS software) iOS-based payment processing and business management solution. Includes tablet stand, payment device, customer display, and 2D scanner. Supports EMV, NFC, and magnetic stripe cards with loyalty solutions and cloud-based management and 24/7 support.
- NCR Silver Quantum (POS software) Android-based commerce station combining customer engagement and payment acceptance. Features 10 hours of cordless operation, customer-facing touchscreen, and loyalty/coupon solutions. Designed for franchise and multi-location businesses.
Quantifiable outcome
- Merchants save 70-90% on processing fees with EZ+ Pricing
- +2 more outcomes
Companies that use NPP
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles6 records
NPP technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
NPP partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Clover Network, Inc. (First Data/Fiserv)coreClover is NPP's primary POS hardware and software partner. NPP offers Clover devices (Station, Mini, Flex, Go) as part of its payment processing solutions. Clover is owned by First Data Corporation (now Fiserv). NPP provides these devices with free placement for qualifying merchants.
- NCR CorporationcoreNCR Silver is an iOS-based POS solution integrated with NPP's processing capabilities. NCR is positioned as the #1 choice in POS hardware and software for the North American food industry and provides processing for 5 of the top 10 airlines globally.
- Deutsche Bank USAcoreNPP is a registered ISO (Independent Sales Organization) of Deutsche Bank USA, enabling NPP to offer payment processing services under Deutsche Bank's sponsorship.
- Merrick Bank UTcoreNPP is a registered ISO of Merrick Bank based in Utah, one of multiple banking partners providing ISO sponsorship for payment processing services.
- Woodforest National Bank TXcoreNPP is a registered ISO of Woodforest National Bank in Texas, providing additional banking sponsorship for payment processing services.
- Wells Fargo BankcoreNPP is a registered ISO of Wells Fargo Bank, one of the major banking partners supporting NPP's ISO status.
- PNC BankcoreNPP is a registered ISO of PNC Bank.
- Fifth Third Bank, N.A.coreNPP is a registered ISO of Fifth Third Bank, N.A.
- Citizens Bank, N.A.coreNPP is a registered ISO of Citizens Bank, N.A., headquartered in The Woodlands, TX.
- KeyBank, N.A.coreNPP is a registered ISO of KeyBank, N.A.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
NPP competitors and assessment
Company assessmentDirect peers
- Square (Block): Block's Square is the largest SMB-focused omnichannel payment processor and POS software provider in the US. It competes directly with NPP across card-present, mobile, online, and embedded financing (Square Loans, BNPL) — serving the same SMB segments.
- Clover Network (Fiserv): Clover is both a technology partner and a competitive threat: it sells POS hardware and software directly to merchants via its own merchant services, bypassing ISOs like NPP for any merchant that buys Clover direct.
- Toast: Toast is a restaurant-vertical POS and payments platform. NPP lists restaurants and QSR as a primary segment; Toast competes for the same high-volume restaurant merchants with integrated software + payment bundles.
- Helcim: Helcim is an SMB merchant services provider offering interchange-plus pricing and POS solutions. It directly competes with NPP's flat-rate and zero-fee programs for cost-conscious SMB merchants in North America.
- Stax Payments (formerly Fattmerchant): Stax is a subscription-based merchant services platform serving SMBs with transparent pricing and integrated POS. It competes with NPP on cost-efficiency messaging and embedded software for similar customer segments.
- Payment Depot: Payment Depot is a wholesale-style merchant services ISO targeting SMBs with interchange-plus pricing. It competes with NPP on price transparency and cost-reduction messaging to similar merchant profiles.
- SumUp: SumUp provides mobile card readers and omnichannel payment processing for SMBs and micro-merchants. It overlaps with NPP's mobile POS and field-service offerings for smaller merchants.
- Dharma Merchant Services: Dharma is an SMB-focused ISO offering transparent interchange-plus pricing and POS solutions. It competes directly with NPP for cost-sensitive SMB merchants in the same verticals.
- Flagship Merchant Services: Flagship is an SMB merchant services ISO offering cash discount and zero-cost programs similar to NPP's EZ+ and Zero Fee offerings. It is one of the closest direct analogs in the SMB ISO space.
Broad incumbents
- PayPal Zettle: PayPal's Zettle (formerly iZettle) is PayPal's in-store SMB payment and POS product. It competes with NPP across mobile and countertop POS, but as part of PayPal's much broader payments and commerce portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
NPP social profiles
Digital presenceNPP financial estimates
Financial estimateRevenue estimate
Valuation estimate
NPP leadership team
Management profileNumber of profiles
NPP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NPP M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NPP
What does NPP do?
NPP (National Payment Processing) is a registered Independent Sales Organization (ISO) that provides credit/debit card payment processing services to small and mid-sized merchants across the United States. Its offering combines payment acceptance (in-store, mobile, online, and field service) with POS hardware from Clover and NCR, Zero Fee/Cash Discount pricing programs, multi-tiered funding (Next-Day, Same-Day, Instant), and merchant/customer financing products (NPP Pay Later, Merchant Cash Advance, Business Capital). The company operates as a merchant services provider under sponsorship from multiple U.S. banks.
Is NPP a public or private company?
NPP is a private company. It is classified as unknown and is currently operating.
When was NPP founded?
NPP was founded in 1990. It employs 1,001 to 5,000 people.
Where is NPP based?
NPP is headquartered in Stockton, United States, in the North America region.
How does NPP make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are monthly/Annual Service Fees, ISO Agent Residuals, customer Financing (NPP Pay Later) and merchant Cash Advance.
Who are NPP's main competitors?
Direct peers on record are Square (Block), Clover Network (Fiserv), Toast, Helcim, Stax Payments (formerly Fattmerchant), Payment Depot, SumUp, Dharma Merchant Services and Flagship Merchant Services. PayPal Zettle is listed as a broad incumbent.
Does NPP have an API?
No public API is recorded for NPP.
What industry is NPP in?
NPP's product category is Payment Processing / Merchant Services. Its primary akta.pro industry code is CRAFALAL, POS-to-Online Unified Payments (Omnichannel Payments), with a secondary code of FSAKAFAE, Omnichannel POS Financing (Unified Online + In-Store). Its NAICS code is 52222 and its SIC code is 6199.