Company Review

Nationwide Payment Systems Review: Pricing, Features, Integrations & Support 

Stripe, Square, and PayPal are good if your business fits inside the box. Nationwide Payment Systems is for businesses that need options.

About Nationwide Payment Systems

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. 

South Florida

based in

Nationwide payment systems Industries we serve

Primary Platform

NPSOne is Nationwide Payment Systems’ all‑in‑one payments platform — built to replace the messy “Frankenstein” stack of gateways, ACH vendors, invoicing tools, and accounting connectors with one unified system. At its core, it gives businesses a single login, single application, and single support team for everything related to payments.

Nationwide Payment Systems Core Services

Nationwide Payment Systems works with businesses across the United States, including retail stores, restaurants, e-commerce companies, B2B companies, professional services, contractors, nonprofits, healthcare-related businesses, high-risk merchants, and companies that have outgrown basic flat-rate payment platforms. 

Who Nationwide Payment Systems May Not Be Best For 

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.

Payment Processing Services 

Nationwide Payment Systems provides a full range of payment processing solutions for U.S. businesses. 

NPS helps businesses accept major credit and debit cards in person, online, by invoice, by phone, and through virtual terminal transactions. Merchants can use traditional terminals, POS systems, e-commerce gateways, hosted checkout pages, or smart invoices. 

ACH payments are available for businesses that want to reduce card costs, collect recurring payments, or offer customers another way to pay. ACH can be especially useful for B2B companies, service businesses, property management companies, nonprofits, and businesses with larger invoice amounts. 

NPSONE Smart Invoicing allows businesses to send invoices with secure payment links by email or text. Customers can pay by card, ACH, Apple Pay, Google Pay, or other available payment methods depending on setup. 

Smart Invoicing can help businesses: 

• Get paid faster. 

• Reduce manual follow-up. 

• Send payment links by email or SMS. 

• Accept deposits and partial payments. 

• Set up recurring invoices 

• Improve cash flow visibility. 

• Reduce “check is in the mail” delays. 

• Stop acting like the bank for customers. 

The virtual terminal allows businesses to accept card-not-present payments through a secure browser-based payment tool. This is useful for phone orders, office payments, B2B billing, professional services, and businesses that need to key in transactions securely. 

Businesses can send secure payment links by email or text, making it easier for customers to pay without logging into a portal or mailing a check. Businesses can send secure payment links by email or text, making it easier for customers to pay without logging into a portal or mailing a check. 

NPS supports recurring payments for memberships, subscriptions, retainers, service contracts, monthly billing, and ongoing customer relationships.

Nationwide Payment Systems offers POS solutions for: 

• Retail stores 

• Restaurants 

• Bars and nightclubs 

• Convenience stores 

• Liquor stores 

• Smoke shops 

• Specialty retail 

• Feed stores 

• Nurseries and garden centers 

• Grocery and market businesses 

• Multi-location businesses 

POS options may include inventory tools, reporting, employee controls, loyalty, customer management, age verification, scan data, and industry-specific features depending on the system selected. 

NPS supports e-commerce businesses using payment gateways and shopping cart integrations. This includes support for platforms such as WooCommerce, WordPress, Shopify, BigCommerce, Magento, and other online payment environments depending on merchant needs. 

NPS also works with developers and software companies that need API access, hosted payment pages, webhooks, and integration support. 

NPS supports payment workflows for QuickBooks users, including businesses that want to accept ACH and credit card payments while improving how payment information connects with their accounting process. 

Instead of forcing every merchant into one rigid system, NPS helps businesses choose a payment setup that fits how they invoice, collect, reconcile, and report. 

For B2B, wholesale, distribution, manufacturing, government, and large-ticket transactions, NPS offers Level 2 and Level 3 processing support. 

Level 3 processing may help qualifying merchants reduce interchange costs on eligible commercial, purchasing, fleet, and government card transactions when the correct data is passed with the transaction. 

Who Nationwide Payment Systems May Not Be Best For 

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.

Pricing Options 

Nationwide Payment Systems offers multiple pricing models depending on the merchant’s business type, volume, risk profile, card mix, average ticket, and payment needs. 

NPS does not believe every merchant should be forced into the same pricing model. Pricing may vary based on monthly processing volume, industry, transaction type, average ticket, equipment, software, gateway needs, risk profile, and underwriting requirements.

Factors that may affect pricing include: 

• • Monthly processing volume 
  • Average ticket size 
  • Card-present vs. card-not-present transactions 
  • Debit card usage. 
  • Rewards card usage. 
  • Commercial card usage 
  • Chargeback risk 
  • Industry type 
  • Equipment or software needs 
  • Gateway or integration requirements 
  • ACH usage. 
  • Level 2 or Level 3 data needs 

Why NPS Does Not Publish One Universal Rate 

Many payment processors advertise one simple rate, but that rate may not be the best option for every business. A small coffee shop, an e-commerce company, a B2B distributor, a restaurant, a high-risk merchant, and a business processing large invoices all have different cost structures. 

NPS reviews each business individually to help determine the best payment setup. 

Factors that may affect pricing include: 

• Monthly processing volume 

• Average ticket size 

• Card-present vs. card-not-present transactions 

• Debit card usage. 

• Rewards card usage. 

• Commercial card usage 

• Chargeback risk 

• Industry type 

• Equipment or software needs 

• Gateway or integration requirements 

• ACH usage. 

• Level 2 or Level 3 data needs 

Nationwide Payment Systems vs. Stripe, Square, PayPal, and Clover 

NPS is not trying to be another self-service payment app. Stripe, Square, PayPal, Shopify Payments, and Clover can be good options for certain businesses, especially businesses that want fast setup and simple tools. 

But many companies eventually need more flexibility, better pricing options, industry-specific support, ACH, invoicing, POS, QuickBooks, Level 3, or help with complex underwriting. 

What Makes Nationwide Payment Systems Different? 

1. Payments Powered by People

NPS believes business owners should be able to speak with real payment experts. Merchants should not have to rely only on chatbots, help articles, or ticket queues when they have questions about pricing, equipment, chargebacks, deposits, integrations, or account issues. 

2. Custom Payment Options

Many payment companies offer only one main model. NPS offers multiple payment solutions so businesses can choose the setup that fits their operation. 

3. Smart Invoicing and ACH

NPSONE Smart Invoicing gives businesses a faster way to send invoices and collect payments by card or ACH. This is especially helpful for businesses that are tired of chasing checks, following up on unpaid invoices, or waiting weeks to get paid. 

4. B2B Payment Optimization

NPS supports Level 2 and Level 3 processing for qualifying B2B transactions. This can be important for companies accepting corporation, purchasing, fleet, and government cards. 

5. POS and Industry-Specific Tools

NPS works with businesses that need more than a basic terminal, including restaurants, retail stores, convenience stores, liquor stores, feed stores, nurseries, smoke shops, and specialty merchants. 

6. E-commerce and Developer Support

NPS supports gateways, hosted checkout, WooCommerce, API tools, webhooks, sandbox access, and integration support for developers and software companies. 

7. Complex and High-Risk Merchant Support

Not every merchant fit into a low-risk box. NPS helps businesses understand underwriting requirements and find payment solutions for more complex industries when possible. 

Integrations and Technology 

Nationwide Payment Systems supports a range of payment platforms, gateways, and integrations. 

Gateway and Platform Options 

• NPSONE 

• Authorize.net 

• NMI 

• USAePay 

• Hosted checkout pages 

• Virtual terminal 

• Payment links 

• Recurring billing 

• API and webhooks 

E-commerce Integrations 

• WooCommerce 

• WordPress 

• Shopify 

• BigCommerce 

• Magento 

• Custom websites 

• Hosted payment pages 

• Gateway integrations 

Accounting and Business Tools 

• QuickBooks Online 

• QuickBooks Desktop 

• CRM integrations 

• GoHighLevel 

• Developer API tools 

• Sandbox environment 

• Slack channel support for development assistance 

Industries Served 

Nationwide Payment Systems works with a wide range of U.S. businesses, including: 

• B2B companies 

• Wholesalers 

• Distributors 

• Manufacturers 

• Professional services 

• Contractors 

• HVAC companies 

• Plumbing companies 

• Roofing companies 

• Landscaping companies 

• Pest control companies 

• Law firms 

• Accounting firms 

• Consulting firms 

• Medical and healthcare-related businesses 

• Nonprofits 

• Restaurants 

• Bars 

• Nightclubs 

• Retail stores 

• E-commerce companies 

• Convenience stores 

• Smoke shops 

• Liquor stores 

• Feed stores 

• Nurseries and garden centers 

• High-risk and complex merchants 

Customer Support 

Nationwide Payment Systems provides live support and hands-on assistance for merchants. 

Support may include help with: 

• Merchant account setup 

• Underwriting questions 

• Statement reviews 

• Rate reviews 

• Gateway setup 

• POS setup 

• Virtual terminal setup 

• Smart invoicing setup 

• ACH setup. 

• QuickBooks payment workflows 

• Chargeback questions 

• Risk and compliance questions. 

• Equipment troubleshooting 

• Integration questions 

• Developer support 

NPS is built for business owners who want to speak with someone who understands payments, not just submitting a support ticket and hoping for the best. 

Review Access for Editors and Analysts 

Editors, reviewers, researchers, analysts, and business comparison websites can contact Nationwide Payment Systems for additional information. 

Available upon request: 

• Platform screenshots 

• Product demos 

• Pricing examples 

• Sample merchant scenarios. 

• Gateway information 

• Smart invoicing walkthrough 

• POS product details 

• Integration documentation 

• API information 

• Merchant agreement details 

• Industry-specific examples 

• Executive interview availability 

For review requests, editorial questions, platform access, pricing examples, or interviews, please contact: 

Allen Kopelman 
CEO, Nationwide Payment Systems 
Email: allen@npsbank.com 
Website: nationwidepaymentsystems.com