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About National Merchants Association

Today’s consumer enjoys both the convenience and security of buying with a credit card, particularly when it comes to online purchases. Yet, as a merchant, accepting credit cards can be quite costly if you are not aware of the potentially numerous charges you can incur by merchant service providers. If you are a small-to-mid-sized business owner frustrated by the unnecessary fees involved with credit card processing, then allow the experts at National Merchants Association (NMA) to Work For You®.

Heather Petersen, Chief Executive Officer and founder of National Merchants Association, created the Association as an advocacy group for small- and medium-sized business owners in 2004. Today, National Merchants Association is the only Association in the United States working on behalf of businesses to eliminate the unnecessary and unreasonable costs associated with accepting credit cards. In addition to interchange fees, retailers also pay other charges, which can include PCI compliance fees, statement fees, customer service fees and/or debit access fees. While businesses can't eliminate interchange fees, they can avoid overpaying by having a third party group like National Merchants Association optimize their processing contracts.

National Merchants Association facilitates transactions for thousands of merchants across the globe and educates business owners about merchant services rules and regulations while reducing fees. Through the recent global expansion with offices in Canada and Europe, National Merchants Association is quickly becoming one of the fastest growing merchant processors in the world.

What distinguishes National Merchants Association from other merchant processors?

National Merchants Association Works For You® to find maximum cost savings and long-term business success by using our proprietary account optimization process, which enables our clients to reap substantial savings. Our motto? We Work For You®. It’s that simple.

Founded on the guiding principle of providing exemplary client service, National Merchants Association ensures that all of our merchant client partners are promised:

  • Your costs will never be higher than they are right now
  • 100% satisfaction with National Merchants Association’s products and services, or your money back
  • National Merchants Association will match any competitor’s quote offering truly lower costs
  • Superior customer service and 24/7 technical support
  • Optimization of your merchant account that Works For You®®

As a member of National Merchants Association, you will not only save on your merchant services program, but you'll also gain a partner in business development. National Merchants Association members realize a variety of business enhancement products related to merchant processing and/or accepting payment. In addition, National Merchants Association Membership Consultants have invaluable business expertise to bring to small business owners a large variety of benefits to control costs. In addition, all Membership Consultants have received the distinctive Certified Payments Professional (CPP) credential from the Electronic Transactions Association.


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Now and in the future


National Merchants Association currently operates globally through over 18 offices as it continues to dominate the retail independent sales organization space. National Merchants Association has been a recent recipient of the United Chamber of Commerce Business Award as well as the Silver Stevie Business of the Year Award from The American Business Awards. National Merchants Association is a "military-friendly" employer and merchant services provider and holds a California small business certification allowing the ability to bid for government and women-owned state and national contracts throughout the United States.

National Merchants Association will always keep customer service as its number one priority and will constantly search for additional products that can increase profits for their merchant clients. This year, the Association will begin integrating more eCommerce, social media marketing and other new technology modes and offerings into its customer benefit package. National Merchants Association is currently focusing on high risk merchants who’ve been turned down elsewhere or who operate businesses that some processors are uncomfortable servicing.

In addition to taking care of its clients and giving back to the community, National Merchants Association is wholly dedicated to its employees. Although a small business itself, National Merchants Association provides extraordinary benefits and job security commonly found exclusively at larger corporations. Health insurance benefits, tuition reimbursement, 401(k) plans, and more incentives are provided for all National Merchants Association employees.

NMA Gives Back

With an eye on philanthropy and service in all of its efforts, National Merchants Association is proud to support the communities in which they work and live through its recently launched “Give-it-Back” donation program

“Through our local community support initiative, our members can opt to donate a portion of their credit card processing fees to the charity of their choice or to one of the local charities with which we partner,” says Ms. Petersen.

National Merchants Association currently supports Oak Grove Center, Rancho Damacitas, and Our Nicholas Foundation, all worthy charitable organizations benefitting from the Give-it-Back program. National Merchants Association guarantees that merchants’ fees will not increase as a result of the donation; yet may actually decrease as a result of the Association’s proprietary merchant account optimization process. Through the Give-it-Back program, National Merchants Association provides the contributor with a year-end annual statement of the tax-deductible donation.