Nadapayments Review

A surcharging specialist that does one thing and publishes exactly what it costs: your customer pays a 3.00% surcharge when they use a credit card, you pay nothing, and you pay 1.50% + 25¢ when they use a debit card, plus $35 a month for the terminal. That is the entire price list, on the website, with no sales call — which in this industry is close to unheard of. It sells hardest into dental and veterinary practices and reports processing over $1 billion a year. What holds it back is everything around the pricing: no BBB profile at all, three Trustpilot reviews and all of them hostile, no published address or founding year, and public pages that contradict each other about where surcharging is even lawful.

Estimated annual cost at three realistic processing volumes, using Nadapayments’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.

One product, one price, published

Nadapayments sells surcharging and nothing else. The proposition is on its pricing page in a table anyone can read without a sales call: when a customer pays by credit card, they pay a 3.00% surcharge and the merchant pays $0; when they pay by debit card, the customer pays nothing and the merchant pays 1.50% + 25¢; the terminal is $35 a month and the virtual terminal comes with it. The page describes itself as 'everything, period — no hidden fees or fine print'.

That is worth pausing on, because 'zero fee processing' is one of the most misleadingly sold products in this industry. The standard version is a cash-discount programme with a monthly fee, an equipment lease and a compliance posture the merchant does not understand and carries the liability for. Nadapayments has instead written the whole arrangement down. It is a registered ISO of Esquire Bank N.A. and Citizens Bank N.A., it registers you with the card networks, it supplies the required signage, and the terminal detects debit automatically so no surcharge is ever applied to a card that may not carry one.

The compliance details it gets right

Surcharging has a specific set of rules and getting them wrong is expensive. Nadapayments' public materials line up with them:

• The merchant must be registered with the card networks — Nadapayments does the registration.
• The customer must be told before the transaction — Nadapayments supplies the signage.
• The surcharge must not exceed Visa's 3% cap and may never exceed the merchant's actual cost of acceptance — the programme is set at exactly 3.00%.
• The fee must appear as a separate line item on the receipt — the terminal, app and virtual terminal all print it.
• Debit cards may never be surcharged — the terminal detects card type and exempts them automatically.

The debit exemption is the one that matters most, because it is the rule merchants most often break by hand, and because it is where the merchant's own cost lives. Every debit transaction costs you 1.50% + 25¢. On a $600 dental payment that is $9.25 and irrelevant next to what you were paying before. On a $9 sale it is 39 cents, an effective rate of 4.3%, and worse than almost any conventional processor. Surcharging is a strategy for high average tickets, not a universal saving, and your own credit-to-debit split decides whether it works.

Where the law is, and where the company's pages are

Surcharging credit cards is unlawful in Connecticut, Massachusetts, Maine and Puerto Rico. California permits it, but its pricing-disclosure rules require the fee to be built into the advertised price rather than added at the till, which changes how a programme has to be run there.

Nadapayments' own site does not tell one consistent story about this. Its acceptance page headlines 'Fully compliant in 48 states' and then states in the body text that it serves businesses in 47 states, 'excludes CT, and MA'. Those two numbers cannot both be right, and neither list mentions Maine. The homepage FAQ, updated to July 2026, is closer: it names Connecticut and Massachusetts as prohibiting surcharging and adds that Maine and California have 'additional restrictions'.

Maine's position is stronger than 'additional restrictions' implies. Title 9-A §8-509 of the Maine Revised Statutes is titled 'Credit card and debit card surcharge prohibition', it bars increasing a price on the basis of payment method, it is enforced by the Maine Bureau of Consumer Credit Protection with civil penalties and refund orders, and its exceptions are narrow — chiefly government entities collecting taxes, fines and fees. A merchant in Maine reading the older page and concluding that only Connecticut and Massachusetts are off-limits would be implementing an unlawful programme with their own name on it.

We flag this not to suggest bad faith — the newer page shows the company updating its guidance — but because in a surcharge programme the compliance liability sits with the merchant. Confirm your own state directly, from your state's statute or regulator, and get your provider's assurance in writing.

The part you cannot check

Everything above is verifiable from primary sources. Almost nothing else about this company is. A direct BBB search returns no profile — no rating, no accreditation, no complaint file. Trustpilot holds three reviews, all one star, on a profile Nadapayments has not claimed and has never answered; two of the three come from dental practices, which is the company's own target market, and both describe sales and support handling rather than pricing. The site publishes no corporate address and no founding year; company directories say 2018 under founder Aleksey Nugid, and place the business variously in Miami and in Brooklyn, none of which we could confirm from the company.

The price list, for all its clarity, also stops short of three things that cost merchants real money: there is no published chargeback fee, no published contract term or early termination fee, and no published funding schedule or batch cut-off. For a company whose slogan is 'Sell $100, See $100', not saying when the $100 arrives is a conspicuous gap.

Where it sits

The B- is a straightforward trade. The product is well-specified, the compliance mechanics are right, the pricing is published in a category built on not publishing it, and the vertical focus on dental and veterinary practices is a sensible read of where surcharging actually works. Against that, there is essentially no independent record of how this company treats merchants, the public evidence that does exist is negative, and its own pages have been inconsistent about the one legal question a surcharging merchant most needs a correct answer to.

If you are a high-ticket practice in a state where surcharging is lawful, this is a real option and an easy one to price. Do three things before signing: confirm your state's law yourself rather than through any provider, get the chargeback fee, contract term and funding schedule in writing, and ask for two references in your own vertical. The pricing page is unusually honest. The rest of the company is unusually hard to check.