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NadapaymentsC40

Merchant Account (ISO) · Small practices and service businesses with high average tickets and a customer base that will accept a lin…

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Overview

If surcharging is right for your business and lawful where you trade, Nadapayments' offer is unusually easy to evaluate: 3.00% to the cardholder on credit, nothing to you; 1.50% + 25¢ to you on debit; $35 a month for the terminal; virtual terminal included. That is a complete, published price list with automatic debit detection and the compliance signage supplied, and it is a better-specified product than most of what is sold under the 'zero fee processing' banner. The problem is verification. There is no BBB profile, three Trustpilot reviews and all of them negative, no published address or founding year, no published funding schedule, no published chargeback fee and no published contract term. And the company's own pages disagree about where surcharging is lawful — one still claims 47 or 48 states excluding only Connecticut and Massachusetts, while its homepage FAQ describes Maine as merely having 'additional restrictions' when Maine statute prohibits surcharging outright.

Best for: Small practices and service businesses with high average tickets and a customer base that will accept a line-item fee — dental, veterinary, legal, trades — that are trading in states where surcharging is lawful and want the cost of card acceptance off their P&L entirely.

Strengths

  • + A complete, published price list: 3.00% surcharge to the cardholder on credit, $0 to the merchant; 1.50% + 25¢ to the merchant on debit; $35 a month terminal rental. No quote call required.
  • + The virtual terminal is included free with a terminal rental. Most providers charge $10 to $25 a month for the equivalent, and gateway fees are one of the most common surprise line items in this industry.
  • + Automatic credit-versus-debit detection at the terminal. Surcharging a debit card violates card-network rules, so automating the exemption is the compliance mechanism rather than a convenience — a merchant applying surcharges by hand will eventually get this wrong.
  • + The surcharge is set at 3.00%, which is Visa's ceiling rather than above it, and Nadapayments states plainly that the merchant may not profit from the fee. Visa cut its cap from 4% to 3% in April 2023 and has flagged 2026 as a stepped-up enforcement year; providers still setting 3.5% or 4% and calling it a credit surcharge are creating a liability their merchants carry.
  • + The compliance work is done for you: card-network registration and notification — Visa requires 30 days' written notice to your acquirer before you switch surcharging on — the required customer-facing signage, and the surcharge printed as a separate line item on every receipt. All of these are requirements of a surcharge programme, not optional extras, and a merchant doing it alone usually misses at least one.
  • + It names its sponsor banks on its own site — a registered ISO of Esquire Bank N.A., Jericho, NY, and Citizens Bank N.A., Providence, RI — which is more corporate substance than many 'zero fee' resellers disclose.

Trade-offs

  • – No BBB profile exists. A direct search returns nothing — no rating, no accreditation, no complaint file — so one of the two standard channels for checking a merchant services provider is simply unavailable.
  • – The other channel is nearly empty and entirely negative: three Trustpilot reviews, all one star, on an unclaimed profile the company has never responded to. Two are from dental practices, its own core market.
  • – The company's own pages contradict each other on the law. One page headlines 'Fully compliant in 48 states' and then says in its body text that it serves 47 states 'excludes CT, and MA' — two numbers that cannot both be right — while the homepage FAQ, dated July 2026, adds Maine and California as having 'additional restrictions'.
  • – Describing Maine as having 'additional restrictions' understates the law. Maine's Title 9-A §8-509 is a credit and debit card surcharge prohibition, enforced by the Maine Bureau of Consumer Credit Protection, with only narrow exceptions for government entities. A merchant relying on the earlier page's list of exclusions could implement an unlawful programme.
  • – No published funding schedule, batch cut-off or settlement timetable anywhere on the site — a notable gap for a provider whose slogan is 'Sell $100, See $100'.
  • – No published chargeback fee and no published contract term or early termination fee, despite the pricing page describing itself as 'everything, period'. A $35 monthly terminal rental implies an equipment agreement with a term.

Fees in detail

  • Online rate: The same model through Nadapayments' virtual terminal, which is included at no extra cost with a terminal rental. Note that surcharging rule
  • Disputes: Not published. This is the significant gap in an otherwise complete price list: a surcharge programme changes nothing about dispute exposure
  • Contract: Not published. The $35 monthly terminal rental strongly implies an equipment agreement with a term; confirm what it is and what happens to the device if you leave.

Standard published rate for a domestic online card payment. Confirm current pricing on Nadapayments's pricing page.

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