The Processor Scoreboard

National Processing (now pmtbox)

An Orem, Utah sales organization that built its name on published, subscription-style interchange-plus pricing. In November 2025 it became pmtbox, and the published price list went with the old name. Its BBB record is strong; its customer reviews are not.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

51out of 100

Regulatory and Legal22 / 25

Fee Practices10 / 25

Complaints and Resolution5 / 20

Transparency6 / 15

Sales Channel8 / 15

What to know before you sign.

National Processing is now pmtbox. Same owners and team, new name on your statement since November 2025, and no published standard rates since the change.
“No cancellation fees” with a termination fee. Reviewers report an early termination fee of up to about $300, and merchants describe three-year terms on equipment deals.
Unhappy customers. Its Trustpilot rating is about 1.9 out of 5 on 69 reviews, despite an A+ from the BBB.
Fees that keep running. Merchants describe PCI non-compliance fees of about $100 a month during a pause, charges after cancellation, and funds held for up to 180 days when accounts are closed.

Who you are signing with

National Processing was founded about 17 years ago by Wayne Hamilton and is based in Orem, Utah. On November 1, 2025 it rebranded as pmtbox, operated by Payment Box, Inc., which says the team, ownership and contacts are unchanged; it has since raised outside funding and repositioned toward larger e-commerce businesses. Payment Box operates as a registered ISO/MSP of Commercial Bank of California and Chesapeake Bank. It is not National Processing Company, or NPC, which was a separate processor absorbed into Vantiv, now Worldpay.

Fee practices: a published price, until it wasn’t

Under the National Processing name, the company did something most sales organizations do not: it published its pricing. That pricing was a subscription-style interchange-plus model, with a monthly fee from about $9.95 and a markup of about 0.14% to 0.29% plus 7 to 15 cents a transaction, with a lower markup for paying a higher monthly fee. That structure earns real credit.

Since becoming pmtbox, the company no longer publishes standard rates and directs merchants to sales for custom pricing. And the terms around the price have drawn complaints: an early termination fee reported at up to about $300 despite marketing of no cancellation fees, PCI non-compliance fees, and 180-day holds on closed accounts. Compare any quote with what a fair interchange-plus markup looks like.

Complaints: strong BBB, weak reviews

National Processing has been BBB accredited since 2008 with an A+ grade and relatively few formal complaints, several resolved to the merchant’s satisfaction. Its Trustpilot score tells a different story, about 1.9 out of 5 on 69 reviews. Merchants there describe service fees still being drawn after cancelling, months of trying to get copies of statements, long holds with support, and $100 monthly non-compliance fees charged while a business was paused. Its BBB responses to account closures cite chargebacks and ACH rejects, with funds held for up to 180 days under the contract.

Why we weigh the reviews more heavily. Most satisfied merchants never leave a review; the ones who take the time are usually the ones who were hurt. A 1.9 average across 69 reviews says a meaningful number of merchants had a bad enough experience to go looking for somewhere to say so. A good BBB grade, which largely reflects whether a company answers complaints, does not cancel that out.

Regulatory and legal

We found no Federal Trade Commission or state attorney general actions and no class actions against National Processing or pmtbox. That earns most of the available points.

Transparency and sales channel

Publishing pricing was National Processing’s strongest point, and the rebrand took it away. It sells largely through independent agents and partnerships, and public sales complaints are few. It scores in the middle in both categories.

If you have a National Processing or pmtbox account

Check your statement name. Charges now appear as pmtbox, not National Processing.
Find your plan and markup in writing, since the published price list is gone.
Check your PCI status and stop any non-compliance fee. See PCI non-compliance fee refunds.
Work out your effective rate from three statements with the fee calculator.
Get the statement audited before you renew.

Independence, right of response and corrections. weAudit takes no money from any processor, ISO or referral arrangement, and no company can pay to change its score. pmtbox may submit a response or correction at any time, and we will review it and update this rating if the evidence warrants. Scores reflect the evidence available at publication. See the full Processor Scoreboard.

Common questions

Is National Processing now pmtbox?

Yes. On November 1, 2025, National Processing rebranded as pmtbox, operated by Payment Box, Inc. The company says the management team, support staff, phone number and email are unchanged, and founder Wayne Hamilton remains CEO. The new name appears on statements, emails and the website.

Is National Processing the same as NPC?

No. National Processing, now pmtbox, is an independent sales organization based in Orem, Utah. National Processing Company, or NPC, was a separate and much larger processor that became part of Vantiv, now Worldpay.

What are National Processing’s fees?

Under the National Processing name, the company published subscription-style interchange-plus pricing, with a monthly fee from about $9.95 and a markup of about 0.14% to 0.29% plus 7 to 15 cents per transaction. Since the rebrand, pmtbox no longer publishes standard rates, so confirm your current pricing in writing.

Does National Processing charge a cancellation fee?

It has marketed no cancellation fees, but reviewers report an early termination fee of up to about $300 for ending a contract early, and some merchants on equipment deals signed three-year terms. Check your agreement before you cancel.

Who is the sponsor bank for pmtbox?

Payment Box, Inc. operates as a registered ISO/MSP of Commercial Bank of California and Chesapeake Bank; National Processing has also listed Woodforest National Bank. Check your agreement for the bank on your account.

Why are National Processing’s reviews mixed?

It has been BBB accredited since 2008 with an A+ grade and relatively few BBB complaints, but its Trustpilot score is about 1.9 out of 5. Negative reviews describe charges continuing after cancellation, PCI non-compliance fees and support that is hard to reach.

Send us the statement. We will tell you what is in it.

Our first audit is free and takes about five minutes of your time. We find your real markup on a National Processing or pmtbox account, every fee on top, and what you should be paying. If there is nothing to find, you will know that too.

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About this rating: scored on weAudit’s five categories, Regulatory and Legal (25), Fee Practices (25), Complaints and Resolution (20), Transparency (15) and Sales Channel (15). Evidence was gathered in October 2026 from the company’s own rebrand announcement, Better Business Bureau records, Trustpilot, and independent review sites including CardFellow, CardPaymentOptions, Top10 and PaymentPop, which are credited by name; reported figures from third parties are labelled as such. National Processing and pmtbox are names of their owner.