UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
Salt Lake City, Utah
Merchant Services in Salt Lake City
UBC Unlimited provides credit card processing, POS systems, cash discount programs, and merchant accounts to businesses throughout Salt Lake City and the Salt Lake Valley — with local support that national processors simply can't match.
From the restaurants and retail shops of Sugar House to the medical practices and professional services firms of downtown SLC, we help Utah businesses accept payments smarter, save on processing costs, and grow with confidence.
- Local Utah rep — not a call center
- Most SLC businesses approved in 24–48 hours
- Free statement review — see your exact savings
- No contracts*, no rate increases, ever
- Cash discount program available — eliminate fees entirely
Salt Lake City Market Overview
200,000+
Population
1.2M+
Metro Area
30,000+
Active Businesses
Top 10 US
GDP Growth
Salt Lake City is one of the fastest-growing business markets in the United States, with a diverse economy spanning tech, healthcare, hospitality, and professional services.
Talk to a local SLC rep today
Free consultation, no obligation
Industries We Serve in Salt Lake City
From the restaurant row on South Temple to the medical corridor near the University of Utah, UBC Unlimited serves every major industry in the Salt Lake City market.
Why Salt Lake City Businesses Choose UBC Unlimited
There are dozens of payment processors competing for your business. Here's why SLC business owners choose us — and stay with us.
Truly Local — Salt Lake City Based
We're not a national call center. UBC Unlimited serves Salt Lake City businesses with a local rep who knows the market, the neighborhoods, and the unique needs of Utah businesses.
Lower Rates Than National Processors
Most SLC businesses overpay Stripe, Square, or their bank. Our statement review shows you exactly where you're losing money — and how much you can save.
Approved & Processing in 24–48 Hours
Most Salt Lake City businesses are live and processing within one to two business days. We handle the setup, equipment, and training so you don't have to.
No Contracts*, No Rate Increases
Month-to-month agreements only. Your rate is your rate — we never raise fees after you sign up, unlike many national processors.
Dedicated SLC Account Rep
You get a direct line to a real person who knows your account. Not a ticket queue. Not a chatbot. A local rep who picks up the phone.
Cash Discount & Dual Pricing Available
Eliminate processing fees entirely with our cash discount program — popular with SLC restaurants, retail, and service businesses looking to protect margins.
* Certain platforms and equipment programs may require a contract. This will be clearly disclosed prior to entering any agreement.
Serving Every Neighborhood in Salt Lake City
Whether your business is in the heart of downtown or in one of SLC's vibrant neighborhoods, UBC Unlimited provides on-site consultations and local support throughout the city.
Downtown Salt Lake CitySugar HouseThe Avenues9th & 9th DistrictMarmalade HillRose ParkGlendaleMillcreekEast BenchLiberty Wells
Also serving Murray, Millcreek, Holladay, Cottonwood Heights, and surrounding Salt Lake Valley communities.
What Salt Lake City Business Owners Say
Real feedback from real businesses in the Salt Lake City area.
"We were paying over 3% with our old processor. UBC Unlimited got us down to interchange-plus and saved us over $400 a month. The local support is night and day compared to calling a 1-800 number."
Maria T.
Restaurant Owner, Sugar House
"Setup was done in two days. The rep came to our store, set up the Clover, trained my staff, and was available by phone the whole time. That's not something you get from Square."
David K.
Retail Boutique, 9th & 9th
"We needed a solution that worked with our billing software and was HIPAA-aware. UBC Unlimited handled everything and our patients love the new payment experience."
Jennifer R.
Medical Practice, Downtown SLC
Frequently Asked Questions — Salt Lake City
Common questions from Salt Lake City business owners about merchant services.
Does UBC Unlimited serve businesses in Salt Lake City?
Yes — UBC Unlimited is based in Utah and serves businesses throughout Salt Lake City and the entire Salt Lake Valley, including downtown, Sugar House, The Avenues, Sugarhouse, Rose Park, and surrounding neighborhoods. We offer on-site consultations and local support.
How much does merchant services cost for a Salt Lake City business?
Rates are tailored to your card mix, average ticket size, and monthly volume. Most SLC businesses qualify for interchange-plus pricing ranging from interchange + 0.10% to 0.50%, which is significantly lower than flat-rate processors like Stripe (2.9% + $0.30) or Square (2.6%–3.5%). We offer a statement review to show you your exact savings.
What POS systems do you offer for Salt Lake City businesses?
We offer SkyTab (ideal for restaurants and bars), Clover (popular with retail and professional services), and several other systems tailored to specific industries. We handle delivery, setup, and training for all hardware — typically within 24–48 hours of approval.
Can you help a high-risk business in Salt Lake City get a merchant account?
Yes. We specialize in high-risk merchant accounts for industries that national processors often decline — including CBD, firearms, supplement companies, and more. Salt Lake City has a growing number of businesses in these verticals, and we have direct relationships with processors that specialize in high-risk approvals.
Do you offer a consultation for SLC businesses?
Absolutely. We offer a no-obligation consultation for any business in Salt Lake City or the surrounding area. We'll review your current processing statement, identify savings opportunities, and recommend the best solution for your business type and volume.
How does the cash discount program work in Utah?
Utah law permits cash discount programs, which allow businesses to pass the processing fee to card-paying customers while offering a discount to cash customers. This effectively eliminates your processing costs. We set up the signage, programming, and compliance documentation so you're fully covered.
Also Serving Nearby Communities
Ready to Lower Your Processing Costs in Salt Lake City?
Get a statement review and see exactly how much your Salt Lake City business can save. Most businesses find meaningful savings on their processing costs after a statement review.