National Processing vs PayPal

National Processing is a flat-rate processor with low in-person transaction fees. How does it compare to PayPal? Read our comparison chart below.

	National Processing	PayPal
	Benefits and Features
Monthly Fee	Starts at $9.95/mo; custom pricing starts at $9.95+/mo	No monthly fees (additional payment features start at $5/mo)
Good For	Large and established businesses	Accepting Paypal payments; Small businesses with average transaction under $100
Equipment	Card readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH payments	Paypal Zettle card reader: $29 to $79; Zettle Terminal: starts at $199; Printers, and Accessories available for purchase
Accept International Payments		25 currencies
Customer Service	Phone, email, live chat	Phone, Email, Live Chat Support, PayPal Community
Fraud Prevention Tools
Invoice Management
Pricing Model	Flat-rate pricing	Flat-rate and Interchange-plus
Recurring Billing
Swipe Rate	2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)	2.29% + $0.09
Online Rate	2.9% + $0.30 per transaction	3.49% + $0.49
Keyed-in Transaction Fee	3.5% + $0.15 per transaction	3.49% + $0.09 (through Paypal Zettle) 3.09% + $0.49 (through the virtual terminal)
Deposit Time	2-3 business days	Instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee
Chargeback Fee	$15	$20
	CreditDonkey® Reviews
Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: No long-term contracts Free equipment available No monthly minimums Cons: Conditions to waive termination fee Pricey with larger sales
Bottom Line	Flat-rate processor with low in-person transaction fees... Read full review
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Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing National Processing or Square.