UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
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Virtual Terminals
Process payments from any browser — no hardware, no limits
A virtual terminal is a secure, browser-based application that lets you manually enter credit card information and process payments from any computer, tablet, or smartphone — no card reader or physical terminal required. It's the essential tool for businesses that take phone orders, mail orders, and card-not-present transactions, as well as call centers, multi-location operations, and any team that needs a flexible, software-based payment solution.
- Browser-based — any device, anywhere
- Phone & mail order (MOTO)
- Secure card vault & recurring billing
- Multi-user & multi-location
At a Glance
Browser
Based — No Install
Unlimited
Users & Locations
Any Device
No Hardware Required
PCI
DSS Compliant
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.
Browser
Based — No Install
Unlimited
Users & Locations
Any Device
No Hardware Required
PCI
DSS Compliant
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 Virtual Terminals solution addresses each one.
The Problem
Our Solution
1
You need to accept card payments over the phone or by email
Businesses that take orders or bookings remotely — service companies, consultants, medical practices — need a way to accept card payments without the customer being present.
Browser-based virtual terminal
Virtual TerminalAccept credit and debit cards from any browser — no hardware required. Enter card details manually for phone orders, or send a secure payment link for email and SMS payments. Works on any computer, tablet, or phone.
Accept payment from anywhere
2
Security concerns about handling card data over the phone
Manually entering card numbers creates PCI compliance risk if not handled properly. Staff need a secure, compliant way to process phone payments.
PCI DSS compliant virtual terminal
PCI ComplianceOur virtual terminal is PCI DSS compliant and designed to minimize the scope of cardholder data in your environment. Card data is tokenized and never stored on your systems.
Reduced PCI compliance risk
3
No way to send payment requests to customers remotely
Calling customers to collect payment over the phone is time-consuming and often results in phone tag and delayed collections.
Secure payment links via email and SMS
Payment LinksSend a secure payment link to any customer via email or SMS. They click the link, enter their card details on a secure page, and payment is processed instantly. No phone call required.
Faster remote payment collection
4
Recurring billing for clients you invoice monthly
Manually processing the same payment every month for recurring clients is inefficient and creates gaps when cards expire or clients forget to pay.
Recurring billing via virtual terminal
Recurring BillingStore a card on file (with customer authorization) and charge it automatically on a recurring schedule. Automatic account updater refreshes expired cards so billing never stops.
Automatic monthly collections
All Features & Capabilities
1
Browser-Based — No Hardware Required
Access your virtual terminal from any internet-connected computer, tablet, or smartphone. No software installation, no card readers, no dongles. Log in from the office, home, or on the road — your payment terminal is always with you.
2
Phone & Mail Order (MOTO) Processing
Process credit and debit card payments taken over the phone, by mail, or by fax. Manually enter card details directly into the secure terminal interface. Ideal for call centers, service businesses, and any operation that takes orders remotely.
3
Secure Card Vault
Securely store customer card information in an encrypted, PCI-compliant card vault for future transactions. Eliminate the need to re-enter card details for repeat customers — simply select the stored profile and process. No sensitive card data is ever stored on your servers.
4
Recurring Billing & Scheduled Payments
Set up automatic recurring charges for subscriptions, memberships, retainer clients, and installment plans. Define billing frequency, amount, and duration — payments process automatically on schedule with no manual intervention required.
5
Pay-Now Links & Email Invoicing
Generate secure, unique payment links and send them to customers via email or SMS. Customers click the link and pay online with any card — no login required. Ideal for remote invoicing, deposits, and follow-up collections.
6
Multi-User & Multi-Location Support
Support unlimited users across multiple locations or departments, each with their own login credentials and role-based permissions. Departmental branding, custom data fields, and location-specific reporting keep your operation organized at any scale.
7
Batch Processing
Upload and process multiple transactions simultaneously using batch import tools. Ideal for high-volume billing scenarios, insurance collections, and any operation that needs to process large numbers of transactions at once.
8
Custom Data Fields & Reporting
Add custom fields to capture the data your business needs — order numbers, customer IDs, department codes, and more. Full transaction history with advanced search, filter, and export capabilities for reconciliation and accounting.
9
QuickBooks & Accounting Integration
Sync transaction data directly with QuickBooks and other popular accounting platforms. Eliminate manual data entry, reduce reconciliation time, and keep your books accurate with automated payment records.
10
PCI DSS Compliance & Security
Fully PCI DSS compliant with SSL/TLS encryption, tokenization, and a secure hosted environment. Cardholder data is never stored on your servers — only encrypted tokens. Includes a simplified PCI compliance questionnaire (SAQ A or SAQ C-VT) to reduce your compliance burden.
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.
No hardware investment — start accepting payments immediately
Process phone and mail orders securely from any device
Eliminate re-entry for repeat customers with the card vault
Automate recurring billing with zero manual intervention
Scale across unlimited users and locations from one platform
Send pay-now links for fast remote collection
Reduce gateway fees — no per-transaction gateway charges on qualifying accounts
Simplify PCI compliance with a hosted, secure environment
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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
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Frequently Asked Questions
Related Solutions
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