National Bankcard Website Terms of Use

Last Updated: July 24, 2026
Effective Date: July 24, 2026

THIS WEBSITE MAY RECORD YOUR INTERACTIONS WITH IT, AND YOU AGREE TO DO BUSINESS WITH US ELECTRONICALLY. A COPY OF THESE TERMS WILL BE MAINTAINED IN A FORMAT YOU CAN EITHER PRINT OR REQUEST FROM US LATER.

Acceptance of Terms

YOU ARE ENTERING A BINDING, WRITTEN LEGAL AGREEMENT THAT IS AS ENFORCEABLE AS A SIGNED, WRITTEN CONTRACT. DO NOT PROCEED OR MAKE ANY USE OF THIS WEBSITE OR OUR SERVICES UNLESS YOU HAVE READ, UNDERSTOOD AND FULLY AGREE TO ALL OF THE BELOW TERMS. The terms include a binding, mandatory arbitration clause and class action waiver, which contain significant limitations on your right to sue or have a jury trial.

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. You agree not to register an account with us, use the services, or access our websites or platforms for the purpose of market research, investigating potential legal claims, investigating consumer complaints, “secret shopping,” or for any reason other than for your own individual, preexisting business purposes related to your existing business. You warrant that you are not our business competitor, a government regulator, investigator, law enforcement officer, plaintiffs’ attorney, an employee/agent of the same, or anyone acting on behalf of the above.

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.

Eligibility and Registration

User Eligibility

All of our offers are void where prohibited by law. To use this Website, you must:

  • Be at least 18 years old
  • Have legal authority to bind your business to agreements
  • Provide accurate and complete information during registration
  • Be a legitimate business seeking payment processing services

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

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

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
  • Use the Website or our services to “secret shop” or otherwise investigate us or our Website for any reason other than your normal commercial purposes

Intellectual Property

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.

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.

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.

Merchant Application Process

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

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

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

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.

Fees and Payment

Website Use

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

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.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs the collection and use of your information. The Privacy Policy is incorporated into these Terms by reference, and is an enforceable part of our contract with you.

Disclaimers

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

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

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

When you type your name, telephone number or email address into our website or otherwise submit the same to us, you agree that this shall act as your binding electronic signature and express written consent that we, along with our agents assigns, and listed partners that you select, may email, call and text you at the address(es) and number(s) provided (or provide later) with marketing offers and other information, including possibly using an automatic telephone dialing system, prerecorded messages and artificial/AI voices. Consent is not a condition of purchase as you can always email us directly instead. Message frequency varies over time and standard telephone and internet service provider rates apply and all conversations may be recorded and monitored. You are specifically requesting that we share your information in this manner and for these purposes. You agree to do business with us electronically and to receive copies of these terms electronically. A copy of these terms will be stored in a format you can print or request from us later. You agree to do business with us electronically, but may opt out later by contacting .

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

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

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

You acknowledge that:

  • Consent to receive marketing communications is not a condition of using our referral services, as you can always call or email us directly instead
  • 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

Opt-Out Rights

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

You agree not to intentionally use non-standard opt-out language or channels that might be difficult for our systems to automatically recognize.

Opt-Out Processing

  • We will process opt-out requests as fast as our technology allows, but in no event later than 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

Dispute Resolution & Class-Action Waiver

You agree that in the event of a legal dispute between you and us, you will submit the same only to binding arbitration under the then-current rules of the American Arbitration Association. You irrevocably waive your right to file a private lawsuit, participate in any class-action litigation or class arbitration, or to have a jury decide the case. You may opt-out of mandatory arbitration only if you do so in writing via certified mail and within 10 days of your first use of our website or services. This agreement shall be interpreted according to the laws of the State of New York, without regard to normal choice of law and conflict of law rules. The state and federal courts in New York shall have exclusive jurisdiction and venue over any litigation between the parties.

Limitation on Liability

In no event will our total liability to you, whether in tort, contract or otherwise, exceed the total amounts paid by you to us in the preceding 30 days. You agree to demand arbitration or otherwise make a legal claim against us, only within one (1) year following the first incident or event which gives rise to such claim.

Additional/Separate Terms

In the event you qualify for merchant processing services through us or one of our banking/processing partners or affiliates, you may be required to agree to additional contract terms at that time.