Buy Now, Pay Later & Customer Financing Solutions
Help More Customers Say “Yes” with Flexible Payment Options
Nationwide Payment Systems Review Information for Editors, Partners & Business Owners
Nationwide Payment Systems is a U.S.-based payment processing company helping businesses accept credit cards, debit cards, ACH payments, smart invoices, online payments, POS payments, and B2B payments. Since 2001, NPS has worked with merchants that need more flexibility than one-size-fits-all providers like Stripe, Square, PayPal, Shopify Payments, and Clover.
NPS is built for businesses that want more than a basic payment account. We provide custom pricing options, live support, gateway solutions, POS systems, e-commerce integrations, smart invoicing, QuickBooks payment tools, Level 2 and Level 3 processing, ACH, recurring billing, payment links, and merchant account support for businesses with more complex needs.
Stripe, Square, and PayPal are good if your business fits inside the box. Nationwide Payment Systems is for businesses that need options.
Quick Company Overview
Company
Nationwide Payment Systems
Founded
2001
Headquarters
South Florida
Industry
Payment Processing, Merchant Services, POS Systems, B2B Payments, E-commerce Payments
Primary Platform
NPSONE
Core Services
Payment Services
- Credit card processing
- Debit card processing
- ACH
- Smart invoicing
- Virtual terminal
- Payment links
- POS
- E‑commerce payments
- QuickBooks payment processing
- Level 2 and Level 3 B2B payments
- Recurring billing
- Surcharge
- Dual pricing
- Merchant account consulting
Industries Served
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Retail stores
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Restaurants
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E‑commerce companies
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B2B companies
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Professional services
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Contractors
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Nonprofits
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Healthcare‑related businesses
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High‑risk merchants
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Companies that have outgrown basic flat‑rate payment platforms
Who Nationwide Payment Systems Is Best For
Who Nationwide Payment Systems May not be Best For
Nationwide Payment Systems may be a strong fit for businesses that want:
- A payment processor with real phone support
- Custom pricing instead of one-size-fits-all flat rates
- Smart invoicing with payment links by email and text
- ACH and credit card payment options.
- QuickBooks payment integration
- E-commerce payment gateway options
- POS systems for retail, restaurants, and specialty businesses
- Level 2 and Level 3 processing for B2B payments
- Recurring billing and subscription payment tools
- High-risk or complex merchant account support
- Help comparing Stripe, Square, PayPal, Clover, Authorize.net, NMI, and other providers.
- A dedicated payment consultant who can review fees, statements, risk, and payment workflows
NPS is especially useful for businesses that do not want to be locked into a single payment platform or generic support queue.
NPS may not be the best fit for:
- Hobby sellers with very low processing volume
- Businesses that only want instant self-service signup
- Merchants who do not want to provide underwriting documents.
- Businesses choosing only by the lowest advertised flat rate.
- Companies that do not need support, integrations, invoicing, ACH, POS, or custom payment options.
NPS is designed for businesses that want a payment partner, not just a payment button.
Consumer Financing
Coaching Program Financing
For Coaches, Consultants, Course Creators & High-Ticket Programs
Selling a coaching program, consulting package, mastermind, online course, or training program often comes down to one major objection: price.
The coaching financing program is designed specifically for businesses selling coaching, consulting, education, and high-ticket programs where clients may want monthly payment options.
This program is a great fit for:
- Business coaches
- Life coaches
- Health and wellness coaches
- Sales coaches
- Marketing consultants
- Business consultants
- Course creators
- Mastermind groups
- Online education programs
- Training programs
- Professional development programs
- High-ticket online programs
Instead of losing a qualified prospect because they cannot pay the full program cost upfront, financing gives them another way to enroll.
This can help coaches and consultants protect their pricing, increase enrollment, and make programs more accessible to clients who are ready to move forward.
Choose the Right Financing Program
Consumer Financing
For healthcare, home services, home improvement, auto repair, and other customer-facing businesses.
This program is a great fit for:
- Chiropractors
- Dentists
- Healthcare providers
- Telehealth companies
- Pharmacies
- Home improvement contractors
- Home service businesses
- Auto repair shops
- Tire shops
- Collision repair centers
- Retail and service businesses
Use financing to help customers say yes now — instead of delaying care, repairs, upgrades, or important services.
Coaching Financing
For coaches, consultants, course creators, masterminds, and high-ticket training programs.
This option is a great fit for:
- Coaches
- Consultants
- Course creators
- Mastermind programs
- Online training programs
- High-ticket education programs
- Professional development programs
Use financing to help qualified prospects enroll now — instead of walking away because of the upfront cost.
Add Financing Without Discounting Your Services
Many businesses lower their price when a customer says something is too expensive. But discounting can hurt margins and train customers to negotiate.
Financing gives you a better option.
Instead of cutting your price, you can offer customers a way to pay over time. This helps protect the value of your product or service while giving the customer more flexibility.
For healthcare, home services, auto repair, and coaching programs, financing can be the difference between a missed opportunity and a completed sale.
Who Should Use Customer Financing?
Customer financing is a strong fit for businesses with higher-ticket products or services, especially when the customer has a real need but may hesitate because of cost.
Good examples include:
- A patient who needs dental work or chiropractic care
- A homeowner who needs a new roof, HVAC system, or plumbing repair
- A driver who needs a major auto repair
- A client who wants to join a coaching program
- A customer who wants to move forward but prefers monthly payments.
When customers have more ways to pay, your business has more ways to close the sale.
Ready to Offer Financing?
Nationwide Payment Systems helps businesses accept payments, improve cash flow, and offer more ways for customers to pay.
Whether your business needs consumer financing or coaching program financing, we can help you choose the right path.
Choose Your Financing Option
Consumer Financing
For healthcare, home services, home improvement, auto repair, and other customer-facing businesses.
Coaching Financing
For coaches, consultants, course creators, masterminds, and high-ticket training programs.
FAQs
What is customer financing?
Customer financing allows a business to offer customers a way to pay for products or services over time instead of paying the full amount upfront. This can help customers move forward with purchases, repairs, treatments, or programs that they may otherwise delay.
Is this the same as Buy Now, Pay Later?
It is similar. Buy Now, Pay Later usually refers to giving customers flexible payment options at the point of sale. Customer financing can include monthly payment plans, financing applications, and lender-based options that help customers pay over time.
What types of businesses can use consumer financing?
Consumer financing is a good fit for healthcare businesses, chiropractors, dentists, telehealth providers, pharmacies, home improvement companies, home service businesses, auto repair shops, tire shops, collision repair centers, and many other businesses that sell products or services directly to customers.
Can chiropractors offer patient financing?
Yes. Dentists, healthcare practices, wellness clinics, telehealth providers, pharmacies, and other healthcare-related businesses may be able to offer financing options to help patients pay over time for eligible services or products.
Can dentists and healthcare businesses offer financing?
Yes. Dentists, healthcare practices, wellness clinics, telehealth providers, pharmacies, and other healthcare-related businesses may be able to offer financing options to help patients pay over time for eligible services or products.
Can home improvement contractors offer customer financing?
Yes. Home improvement and home service businesses can offer financing for projects such as roofing, HVAC, plumbing, electrical work, flooring, remodeling, windows, doors, pools, landscaping, pest control, and other residential services.
Can auto repair shops offer financing?
Yes. Auto repair shops can offer financing for repairs, tires, brakes, transmission work, engine repair, collision repair, diagnostics, maintenance, and other services. This can help customers approve necessary work even when the repair cost is unexpected.
What is coaching program financing?
Coaching program financing is designed for coaches, consultants, course creators, masterminds, and high-ticket program sellers. It gives qualified clients a way to finance enrollment instead of paying the full program cost upfront.
How can financing help increase sales?
Financing can help reduce price objections, make larger purchases more affordable, and give customers another way to move forward. This can increase approvals, conversions, average ticket size, and completed sales.
How do I get started?
Choose the financing program that best fits your business. For consumer financing, select the Consumer Financing option. For coaching, consulting, courses, or high-ticket programs, select the Coaching Program Financing option.