UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
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Credit Card Processing
Accept all major cards with pricing tailored to your business
UBC Unlimited provides end-to-end credit card processing solutions designed around your business — not a one-size-fits-all rate sheet. We work with you to identify the pricing model and payment infrastructure that best fits your transaction volume, industry, and customer base. Whether you're accepting payments in-person, online, or on the go, we deliver a seamless, secure, and cost-effective solution.
- Pricing tailored to your business
- Next-day funding available
- Visa, MC, Amex, Discover & more
- EMV, NFC & digital wallets
20+
Years in Business
Next Day
Funding Available
$0
Setup Fees on Qualifying Accounts
24–48h
Avg. Activation (Low Risk)¹
¹ Activation timeframe applies to low-risk merchant accounts. High-risk or complex accounts may require additional review time.
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 Credit Card Processing solution addresses each one.
The Problem
Our Solution
1
Paying 2.5–3.5% on every card transaction
Standard processing rates from banks and large processors eat directly into your margins. On $500K in annual card volume, that's $12,500–$17,500 per year in fees alone.
Interchange-optimized pricing tailored to your business
Rate OptimizationWe analyze your current statement line-by-line and build a pricing structure designed for your specific card mix, volume, and business type. Most clients see meaningful savings within the first month.
Meaningful savings vs. current rates
2
Getting locked into long-term contracts with cancellation penalties
Many processors lock businesses into 3-year contracts with early termination fees of $300–$500 or more, leaving you stuck even if service deteriorates.
Flexible terms with no punitive cancellation fees*
Flexible TermsWe offer flexible contract terms and work hard to earn your business every month. If you're ever unhappy, we'll work to fix it — not hold you hostage. *Certain solutions may require a formal agreement, which will be clearly disclosed before you sign anything.
No lock-in risk
3
Slow funding and cash flow delays
Waiting 2–3 business days for funds to hit your account creates cash flow gaps, especially for businesses with tight operating margins.
Next-day and same-day funding options
Fast FundingMost of our clients receive next-business-day funding. Same-day funding options are available for qualifying businesses. Your money moves faster so you can pay vendors, staff, and expenses on time.
Next-day funding available
4
Poor customer service from a large, impersonal processor
When something goes wrong — a batch that didn't settle, a terminal that stopped working, a chargeback you don't understand — you need a real person who knows your account.
Dedicated local Utah support team
Local SupportYou get a dedicated local rep who knows your business and answers when you call. Not a call center. Not a ticket queue. A real person in Utah who can resolve issues the same day.
Same-day issue resolution
All Features & Capabilities
1
Flexible Pricing Models
We structure pricing around your specific business needs. Options include flat rate, tiered, and pass-through pricing models — as well as cost-reduction programs like Cash Discount & Dual Pricing and surcharging that can significantly lower or eliminate your processing costs.
2
In-Person, Online & Mobile Payments
Accept payments anywhere — countertop terminals, wireless and mobile devices, online checkout, virtual terminals, and pay-by-link. We provide a unified commerce experience across all your sales channels.
3
EMV, Contactless & Digital Wallets
Full support for chip cards, tap-to-pay, Apple Pay, Google Pay, Samsung Pay, and all modern payment methods — keeping you current with how customers want to pay.
4
Next-Day Funding
Get your money faster. Funds deposited directly to your business bank account the next business day for most qualifying accounts.
5
Advanced Fraud & Chargeback Protection
Multi-layer fraud detection, real-time transaction monitoring, and dedicated chargeback management tools to protect your revenue and reduce dispute losses. Includes up to $100,000 in data breach protection coverage for qualifying accounts.
6
Payment Gateway Integration
Seamlessly connect to 350+ software platforms, shopping carts, and business systems through our supported payment gateways — with no gateway fees on qualifying accounts.
7
Recurring Billing & Invoicing
Automate subscription billing, installment plans, and recurring charges. Send professional digital invoices with embedded payment links for fast, frictionless collection.
8
Reporting & Business Intelligence
Real-time transaction reporting, batch summaries, reconciliation tools, and actionable business analytics — all accessible from a single dashboard, anytime and anywhere.
9
PCI DSS Compliance Support
Full suite of PCI security tools and compliance resources to keep your business protected and audit-ready, with dedicated support to guide you through the process.
10
Customer Management & Loyalty
Built-in customer tracking, loyalty program support, and email and text marketing tools to help you retain customers and drive repeat business.
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.
Pricing structured to maximize your profitability
Dedicated local Utah support — a real person, not a call center
Complimentary or low-cost equipment with qualifying accounts
Month-to-month agreements for most business types
Eliminate or reduce processing fees with cost-pass-through programs
Accept every payment type your customers use
Fast onboarding — most accounts activated within 24–48 hours
$100,000 data breach protection for qualifying accounts
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"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.