UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
🏦
ACH & eCheck Processing
Accept bank transfers directly — lower cost, faster reconciliation, fewer chargebacks
ACH (Automated Clearing House) and eCheck processing allow businesses to accept electronic bank transfers directly from customers' checking or savings accounts, bypassing card networks and their associated fees. It's one of the most cost-effective payment methods available — especially for recurring billing, high-ticket transactions, B2B payments, and businesses that want to reduce their overall cost of accepting payments.
- Dramatically lower cost than credit cards
- Recurring & subscription billing
- Same-day & next-day ACH options
- Batch & bulk processing
At a Glance
60–80%
Lower Cost vs. Cards
Same Day
ACH Available
$0
NSF Risk w/ Guarantee
Unlimited
Batch Size
Local Utah Support — A Rep Who Knows You
Every UBC Unlimited client gets a dedicated local rep who knows your account and your industry — not a call center queue. You work with someone who understands your business from day one.
60–80%
Lower Cost vs. Cards
Same Day
ACH Available
$0
NSF Risk w/ Guarantee
Unlimited
Batch Size
How It Works
From first conversation to live processing — here's what to expect when you work with UBC Unlimited.
01
1
Book a Consultation
Schedule an in-depth, no-pressure conversation with a local Utah expert. We will take time to learn about your setup and help find a solution that is right for you.
02
2
Review & Proposal
We analyze your current costs and build a tailored proposal with transparent pricing — no surprises, no hidden fees.
03
3
Seamless Setup
Our team handles everything — equipment, integration, and training. Most accounts are active within 24–48 hours. POS system installations typically require a 14-day lead time from approval.
Common Problems We Solve
Real challenges Utah businesses face with payment processing — and exactly how our ACH & eCheck Processing solution addresses each one.
The Problem
Our Solution
1
Paying 2–3% credit card fees on large recurring payments
For rent collection, B2B invoices, and high-ticket recurring services, credit card fees are disproportionately expensive compared to the value of the transaction.
ACH bank transfer processing at a fraction of the cost
ACH ProcessingACH typically runs between 0.35%–0.90% — compared to 2–3% for credit cards. On a $2,000 rent payment, that difference can be $20–$40 saved per transaction. For businesses with high volume or large average tickets, the annual savings are substantial.
Dramatic cost savings on large payments
2
Manual invoice collection and late payment chasing
Sending invoices, following up on late payments, and reconciling who has and hasn't paid wastes significant time every month.
Automated ACH recurring billing
Recurring BillingSet up automatic monthly ACH debits from customer or tenant bank accounts. Authorize once, collect automatically. Late payment rates drop significantly when payment is automatic.
Fewer late payments, less chasing
3
Returned check risk and funding delays
Paper checks can bounce days after acceptance, leaving you with a returned check fee and the hassle of re-collecting the payment.
ACH with check verification
Check ReplacementACH transfers include bank account verification that reduces the risk of returned transactions. Guarantee programs are also available to reimburse your business for returned items — so you get paid even when a payment fails.
Faster funding, lower return risk
4
Customers who don't want to pay by credit card
Some customers — especially in B2B, property management, and professional services — prefer to pay by bank transfer rather than credit card.
ACH payment portal and payment links
Customer ConvenienceGive customers a simple online payment portal where they can pay by bank transfer. Send payment links via email or SMS for one-click ACH payment. No card required.
More payment options for customers
All Features & Capabilities
1
Significantly Lower Processing Costs
ACH transactions typically cost a fraction of credit card processing fees. For businesses with high transaction volumes or large average ticket sizes, the savings compared to card processing can be substantial — often reducing payment acceptance costs by 60–80%.
2
Recurring & Subscription Billing
Set up automated recurring payment schedules for subscriptions, memberships, installment plans, rent collection, and service retainers. Customers authorize once and payments run automatically on your defined schedule.
3
Same-Day & Next-Day ACH
Standard ACH settles in 1–3 business days. Same-day ACH options are available for time-sensitive transactions, enabling faster access to funds for qualifying accounts and transaction types.
4
Batch & Bulk Processing
Process large volumes of transactions simultaneously with bulk ACH upload tools. Ideal for payroll, vendor payments, insurance disbursements, and any scenario requiring high-volume outbound or inbound bank transfers.
5
Real-Time Bank Account Verification
Verify customer bank account and routing numbers in real time before initiating transactions, significantly reducing failed payments, NSF returns, and associated fees.
6
eCheck Conversion
Convert paper checks into electronic ACH transactions at the point of sale or remotely. Eliminates manual check handling, speeds up deposit timelines, and reduces the risk of lost or returned paper checks.
7
Pay-Ins & Payouts
Support both inbound collections (pay-ins) and outbound disbursements (payouts) through a single platform. Ideal for marketplaces, platforms, insurance companies, and businesses that need to both collect and distribute funds.
8
Fraud & Risk Management
Multi-layer risk controls including transaction monitoring, velocity checks, return rate management, and account validation tools to protect your business from unauthorized transactions and ACH fraud.
9
Reconciliation & Reporting
Comprehensive transaction history, return and reject reports, settlement summaries, and reconciliation tools — all accessible from a centralized dashboard to simplify your accounting and audit processes.
10
API & Software Integration
Flexible integration options via API, hosted payment pages, and direct connections to popular accounting and business management platforms including QuickBooks, WooCommerce, and custom ERP systems.
Why Utah Businesses Choose UBC Unlimited
We're not a national call center. We're a local Utah team that knows your market, answers when you call, and builds solutions around your business — not the other way around.
Reduce payment acceptance costs dramatically vs. credit cards
Automate recurring billing with zero manual intervention
Fewer chargebacks than card transactions
Same-day ACH available for qualifying transactions
Verify bank accounts in real time to reduce failed payments
Process high volumes with batch and bulk upload tools
Seamlessly integrate with your accounting and business software
Support both collections and disbursements from one platform
“
"We've worked with several processors over the years. UBC Unlimited is the first team that actually reviewed our statement line by line and showed us exactly where we were overpaying. We saved over $800 a month."
JM
Jason M.
Utah Restaurant Owner
24–48h
Launch (Most Low Risk Businesses)
20+
Years Experience
Local
Utah Support
Talk to a local expert today
No obligation. No pressure. Just honest advice.
Frequently Asked Questions
Related Solutions
Ready to Start Saving on Payment Processing?
Get a no-obligation statement review and see exactly how much you can save with UBC Unlimited.