Processor Directory > NTC Texas

NTC Texas Review

NTC Texas is a credit card processing company located in – you guessed it – Texas. The company offers credit card acceptance services through Elavon. NTC Texas is a certified woman-owned business that touts personalized and attentive customer service for all clients. With how many credit card processing companies are out there, how do you know if this is the right one for you? Read on for details about services, equipment, and more.
About this processor:










Acquiring Bank(s)


What services does NTC Texas offer?

NTC Texas’ available services revolve around payment processing and related financial services, such as gift cards, QuickBooks accounting integration, and dynamic currency conversion services. In addition to traditional in-person point of sale processing, NTC Texas offers healthcare payments, mobile processing, and online processing.

Healthcare Payments

NTC Texas has a division specifically for handling healthcare payment processing and patient billing. In addition to being able to accept traditional credit and debit cards, you can take HSA and FSA account payments.

Mobile Processing

Taking payments with a smartphone or tablet is an increasingly popular option, especially for smaller businesses and those who are regularly on the road. Food trucks, contractors, vendors at fairs, delivery businesses and more can take advantage of mobile processing convenience with NTC Texas. Magtek’s eDynamo card readers are available for use with Apple, Android, and Windows phones.

Online Processing

For accepting credit cards online, NTC Texas offers ecommerce solutions with shopping cart or recurring billing options. NTC Texas online processing is compatible with both the Authorize.Net gateway, and PaymentCare patient portal for healthcare businesses.

Check Acceptance

Some customers prefer to pay with checks, and it can help your sales to not turn them away. But there’s always the risk of a bounced check, right? With NTC Texas, you can minimize that risk with electronic check conversion to authorize checks at the time of sale. NTC Texas also works with eCheck.Net to allow check acceptance online.

Gift Cards

If you’re looking to take advantage of the popularity of gift cards, NTC Texas offers an electronic gift card program. Gift cards can be sold and accepted as easily as a credit card through your usual machine. As with other payment types, you can view transaction details in your reporting dashboard.

QuickBooks Plug-Ins

For businesses that use or want to use the popular accounting software, NTC Texas offers integration with QuickBooks through the use of plug-ins.

Additionally, NTC Texas offers Dynamic Currency Conversion (DCC), allowing your international clients to pay in their home currency. DCC supports payments in British pounds, Euros, Canadian dollars, Australian dollars, and Japanese yen.

Can I get reports?

Yes. NTC Texas offers MerchantConnect, a real-time reporting dashboard that’s web-based so you can access it from almost anywhere. There’s no software to purchase, and you can view chargebacks, deposits, interchange qualification, and more.

What about equipment?

For equipment, NTC Texas offers a small selection of machines from Ingenico, Hypercom, or Verifone. Features vary by model, but EMV chip card terminals are available.

NTC Texas also offers options for accessories like barcode scanners, QR code scanners, cash drawers, receipt printers, and tablet stands.

The company references a “lease or purchase” program, and includes information about leasing options from Ladco leasing. In general, leasing credit card machines is not a good idea. Be sure to carefully weigh your options when choosing how to pay for equipment.

NTC Texas Rates and Fees

NTC Texas offers a “Clear and Simple” plan for businesses processing less than $25,000/year in credit cards. It doesn’t provide information on what the exact rates are, but specifies that the simple pricing includes all fees. The Clear and Simple plan is designed for the kind of businesses that would normally use rival Square, so it’s possible that the costs would be similar as well.

For businesses processing more than $25,000/year in credit card sales, NTC Texas doesn’t provide any information on rates or fees. However, you can get a quote right through this profile. Use the request quote button to anonymously ask NTC for pricing and compare it with any other processor you’d like.

NTC Texas Reviews and Reputation

While there are not many reviews on sites like Yelp, NTC Texas has a positive reputation in the web reviews section here on CardFellow. You can read the reviews for yourself in the reviews section of this profile. The testimonials praise NTC for its responsiveness, current technology, professionalism, and helpfulness. All of the reviews rate NTC Texas 5 stars.

The company is accredited with the Better Business Bureau, and has an A+ rating as of 2016. NTC Texas hasn’t had a single BBB complaint filed against them in the past 3 years, the furthest back that the BBB lists.

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Posted by Tonya Zimmemann on Jun 17, 2016


We came back because we’re extremely pleased with the product, the customer support, and all aspects of it. We never have any issues - I will never switch again. You get what you pay for and more with NTC. - Tonya Zimmerman, Office Manager at Boardwalk OBGYN

Posted by Gabrielle Holland on Jun 14, 2016


We have been with NTC for 12 years, and I cannot think of a time that they have not been immediately responsive to our needs. They are a local company, so that makes it easier to receive the prompt attention that they always provide. Furthermore, as technology changes, they are quick to make sure we are using the most up to date equipment and software, as well as ensuring we are meeting regulatory standards. Theirs is a long term relationship that we appreciate and value in today's market, as customer service is never an issue with this company. We would highly recommend them.

Posted by Justin on Jun 13, 2016


We used NTC Texas’ services to accept donations for a local campaign and were absolutely impressed with their knowledge and professionalism. They were there every step of the way helping us understand the technology and rates. We did very little heavy lifting when setting up our account and their training was top notch. I would highly recommend their services to anyone looking for an honest company that goes above and beyond for its clients.

Posted by John Connors on Jun 08, 2016


We switched one of our client organizations from another credit card processor to NTC Texas last year and it couldn't have gone better. The payment processing software offered by NTC is incredibly secure and easy to implement in our call center environment and with our credit card by mail processing facility. The data integrity and competitive processing fees have saved our client thousands of dollars per month. NTC's client support team helped us all along the way with training and support calls to transition our client's team to the new credit card processing software in a timely manner. NTC offers world class payment processing solutions with a personalized touch.

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