NATIONAL BANKCARD WEBSITE TERMS OF USE

Last Updated: June 1, 2026

Effective Date: June 1, 2026

  1. ACCEPTANCE OF TERMS

By accessing or using National Bankcard’s website (“Website”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use this Website.

  1. DESCRIPTION OF SERVICE

National Bankcard operates a merchant processing referral service. We evaluate merchant applications and refer qualified businesses to third-party payment processors. We do not directly process payments or provide payment processing services.

  1. ELIGIBILITY AND REGISTRATION
  2. User Eligibility

-You must be at least 18 years old

-You must have legal authority to bind your business to agreements

-You must provide accurate and complete information during registration

-You must be a legitimate business seeking payment processing services

  1. Account Registration

-You are responsible for maintaining the confidentiality of your account credentials

-You agree to notify us immediately of any unauthorized use of your account

-We reserve the right to suspend or terminate accounts that violate these Terms

  1. PERMITTED USES

-You may use this Website to:

-Submit merchant processing applications for National Bankcard services and the services of its partners

-Receive referrals to payment processing partners

-Access account information and application status

-Communicate with our representatives regarding services

  1. PROHIBITED USES

You may NOT use this Website to:

-Submit false, misleading, or fraudulent information

-Engage in any illegal activities or promote illegal products/services

-Violate any applicable laws or regulations

-Attempt to gain unauthorized access to our systems

-Upload viruses, malware, or other harmful code

-Interfere with the Website’s operation or other users’ access

-Use automated systems (bots, scrapers) without permission

-Reverse engineer or attempt to extract source code

  1. INTELLECTUAL PROPERTY
  2. Our Content

All content on this Website, including text, graphics, logos, images, software, and design, is owned by National Bankcard or our licensors and protected by copyright, trademark, and other intellectual property laws.

  1. Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for its intended purposes. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from our content.

  1. Your Content

By submitting information through our Website, you grant us a non-exclusive license to use that information for business evaluation and referral purposes subject to our privacy policy and any Merchant Processing Agreement executed with National Bankcard.

  1. MERCHANT APPLICATION PROCESS
  2. Application Submission

-You warrant that all submitted information is accurate and complete

-You authorize us to verify submitted information through third parties

-You understand that application submission does not guarantee approval or referral

  1. Underwriting Process

-We may request additional documentation or information

-We reserve the right to decline applications in our sole discretion

-Processing times may vary based on application complexity

  1. Referral Process

-Approved applications will be referred to appropriate processing partners

-Final approval decisions are made by the processing partners, not by National Bankcard

-We do not guarantee acceptance by any particular processing partner

  1. COMPLIANCE WITH RULES AND SERVICER GUIDELINES

Your personal information provided through this site will be used to place you with a processing partner. You agree to comply with and be subject to all rules of Mastercard International, Inc., (“Mastercard”), Visa International (“VISA”), JCB, International (“JCB”), Discover Network (“Discover Network”), American Express (“AXP”) and the National Automated Clearing House Association (“NACHA”), as they may exist from time to time and as applicable to your activities under any Merchant Processing Agreement, or any agreement with any of the above providers.

  1. FEES AND PAYMENT
  2. Website Use

Use of this Website for application submission and referral services is generally free to merchants.

  1. Processing Fees

Any processing fees, rates, or charges are determined by the processing partners, not by National Bankcard, though they may be communicated by National Bankcard. We may receive referral compensation from processing partners.

  1. PRIVACY AND DATA PROTECTION

Your privacy is important to us. Please review our Privacy Policy [HYPERLINK THE PRIVACY POLICY HERE], which governs the collection and use of your information. The Privacy Policy is incorporated into these Terms by reference.

  1. DISCLAIMERS
  2. Website Availability

-We do not guarantee continuous, uninterrupted access to the Website

-The Website may be unavailable during maintenance, updates, or technical issues

-We are not liable for any downtime or access interruptions

  1. Information Accuracy

-While we strive for accuracy, we make no warranties about the completeness or accuracy of Website content

-Information is subject to change without notice

-You should verify all important information independently

  1. Third-Party Services

-We are not responsible for the services, policies, or actions of processing partners

-Processing partner relationships are independent of your relationship with us

-You must review and agree to processing partner terms separately

  1. TELEMARKETING AND COMMUNICATIONS CONSENT
  2. Consent to Contact

By using this Website and submitting your contact information, you expressly consent and agree that National Bankcard, our affiliates, and our authorized partners may contact you regarding merchant processing services through:

-Telephone calls (including calls using an automatic telephone dialing system or prerecorded/artificial voice messages, including AI)

-Text messages (SMS/MMS)

-Email communications

-Other electronic communications

  1. Contact Information Consent

You specifically consent to be contacted at:

-The telephone numbers you provide (including wireless/cellular numbers)

-The email addresses you provide

-Any other contact methods you specify during registration

  1. Scope of Communications

Authorized communications may include:

-Information about merchant processing services and solutions

-Application status updates and follow-up

-Educational content about payment processing

-Promotional offers from us and our processing partners

-Customer service and support communications

-Surveys and feedback requests

  1. Understanding of Charges

You understand and agree that:

-You may receive calls and text messages from us and our partners

-Standard message and data rates from your wireless carrier may apply

-You are responsible for any charges incurred from receiving our communications

-We do not charge for our communications, but carrier charges may apply

  1. No Requirement for Consent

You acknowledge that:

-Consent to receive marketing communications is NOT a condition of using our referral services

-You may still submit applications and receive referrals even if you opt-out of marketing communications

-This consent is separate from any consent you may provide to processing partners

  1. Opt-Out Rights

You may withdraw your consent and opt-out of marketing communications at any time by:

-Replying “STOP” to any text message

-Clicking “unsubscribe” in any email

-Calling us at: 1-800-991-2291

-Emailing us at: info@nationalbankcard.com

  1. Opt-Out Processing

-We will process opt-out requests within 10 business days

-You may still receive non-marketing communications (account updates, application status, etc.)

-You may need to opt-out separately with any processing partners who contact you directly

  1. TCPA Compliance

This consent complies with the Telephone Consumer Protection Act (TCPA) and related regulations. You have the right to revoke this consent at any time using the methods described above.