UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
HIPAA-aware payment solutions for medical practices
Medical practices need payment solutions that handle insurance co-pays, patient payment plans, and high-ticket procedures — all while maintaining patient privacy.
20+ Years Serving Utah Businesses
Local expertise, dedicated reps, and industry-specific solutions — not a one-size-fits-all rate sheet.
Our experience in the medical & healthcare space gives us a clear picture of the challenges businesses in this industry face. Here are the problems we hear most — and exactly how we solve them.
Insurance co-pay processing and patient billing complexity
Collecting co-pays at check-in, managing insurance adjustments, and billing for out-of-pocket balances creates administrative burden and delays cash flow.
Flexible payment terminals & virtual billing
Virtual TerminalsAccept co-pays at the front desk with a countertop terminal, send digital invoices for outstanding balances, and offer payment plans for high-ticket procedures. Reduce accounts receivable days and improve patient satisfaction.
Patient payment plans for high-ticket procedures
Patients who can't afford to pay in full often delay or cancel procedures, hurting both your revenue and their health outcomes.
ACH payment plans & recurring billing
ACH ProcessingSet up automated recurring payment plans via ACH bank transfer — lower cost than credit cards and more reliable than manual invoicing. Patients pay in installments, you get paid on schedule.
HIPAA compliance considerations in payment workflows
Payment processing systems that store or transmit patient data must be handled carefully to avoid HIPAA exposure.
PCI DSS compliant payment infrastructure
ComplianceOur payment solutions are PCI DSS compliant and designed to minimize the scope of cardholder data in your environment. We recommend working with your compliance officer to ensure your full payment workflow meets HIPAA requirements.
Recurring billing for ongoing care and memberships
Manual invoicing for recurring patients — physical therapy, chiropractic, wellness memberships — is time-consuming and leads to missed payments.
Automated recurring billing
ACH ProcessingSet up automatic monthly charges for membership plans, ongoing treatment schedules, and subscription wellness programs. Patients authorize once, payments run automatically.
Remote and phone-based payment collection
Collecting payment over the phone or for telehealth appointments requires a secure, easy-to-use solution that doesn't require the patient to be present.
Virtual terminal for remote payments
Virtual TerminalsAccept credit and debit cards over the phone or via a secure payment link sent by email or SMS. No hardware required — works from any browser. Ideal for telehealth, follow-up billing, and pre-procedure deposits.
High processing fees on medical card transactions
Medical practices often process large transactions (procedures, equipment, specialist visits) where a 2.5–3.5% processing fee represents a significant cost that erodes already-thin practice margins.
Cash Discount & Dual Pricing
Cash Discount & Dual PricingOffer a cash/check price and a card price for out-of-pocket patient payments. Patients who pay by card cover the processing fee. Fully compliant, with patient-facing signage and staff scripts included. Many practices save $500–2,000+ per month.
Collecting balances after insurance adjudication
Post-adjudication balance collection is one of the most time-consuming and costly parts of medical billing — patients often don't pay until they receive multiple notices.
Digital payment links & automated balance reminders
Virtual TerminalsSend a secure payment link via email or SMS immediately after insurance adjudication. Automated follow-up reminders reduce the need for manual calls. Patients pay in one click from their phone — no login, no paper, no friction.
Front desk staff spending too much time on payment admin
Manual payment entry, paper receipts, end-of-day reconciliation, and chasing down unpaid balances consume front desk time that should be spent on patient care.
Integrated countertop terminals with automated reporting
Credit Card ProcessingCountertop terminals that integrate with your practice management software, auto-generate receipts, and produce end-of-day settlement reports in seconds. Dramatically reduce front desk payment admin time and eliminate manual reconciliation errors.
Accepting HSA and FSA cards from patients
Patients increasingly want to pay with HSA or FSA cards for eligible medical expenses. Processors that don't support these card types create friction and lost payments.
HSA/FSA-compatible payment processing
Credit Card ProcessingOur medical payment solutions fully support HSA and FSA card acceptance. Patients can split payments between their HSA/FSA and a regular card for any remaining balance — all in a single transaction at the front desk.
From your first call to going live — here's the process for Utah medical & healthcare businesses.
Submit your current processing statement. We analyze it line by line and identify exactly where you're overpaying — at no cost to you.
We build a tailored proposal with transparent pricing, the right hardware, and the integrations your business actually needs. No generic rate sheets.
Our local Utah team handles equipment, training, and integration. Most accounts are active within 24–48 hours. POS system installations typically require a 14-day lead time from approval.
We're not a national call center. We're a local Utah team that specializes in medical & healthcare payment processing — with dedicated reps, industry-specific solutions, and transparent pricing.
“UBC Unlimited has been an invaluable partner for our company. They have delivered thousands in cost savings while providing a level of customer service that has consistently exceeded expectations. Their responsiveness, expertise, and commitment to our success have made them a trusted resource for our business.”
Dan C.
CFO, Medical Supply Company · UT, ID, CO & AZ
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