Local Expertise · Nationwide Reach

Your Local Merchant
Services Expert

Personal service from a Utah team that knows your industry — wherever you do business.

Competitive pricing, fast onboarding, and industry-specific solutions — backed by 20+ years of experience and a dedicated rep who answers when you call.

20+

Years in Business

All 50

States Served

1-on-1

Dedicated Local Rep

1 Day

Approval Time (Most Industries)

Competitive pricing

Fast onboarding

Local expertise

Tailored setups

Questions? Talk to a local Utah expert today. (801) 309-6988

PCI Compliant

Secure & certified

Real Person Support

Business hours, local team

Low Rates

Competitive pricing

Local Experts

Utah-based team

Top Rated

5-star service

Fast Approval

As quick as same day

20+

Years in Business

All 50

States Served

1-on-1

Dedicated Local Rep

1 Day

Approval Time (Most Industries)

Payment Solutions for Every Business

From credit card processing to full POS systems — tailored to your industry, backed by local Utah expertise.

💳

Credit Card Processing

Competitive rates with transparent pricing

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🏦

ACH / eCheck Processing

Bank-to-bank transfers and eCheck acceptance for lower processing costs

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✅

Check Guarantee

Accept paper checks with protection against returned or fraudulent checks

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🖥️

POS Systems

SkyTab, Clover & more for your industry

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🛒

eCommerce Payments

Seamless online payment gateways

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📱

Mobile Processing

Accept payments anywhere — in the field, at events, or on the go

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💻

Virtual Terminals

Process payments by phone, mail order, or manual entry from any browser

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📄

Invoicing

Send digital invoices and collect payments online without a physical terminal

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🎁

Gift Cards & Loyalty

Custom-branded gift cards and loyalty programs to increase repeat business

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💲

Cash Discount & Dual Pricing

Pass processing costs to card-paying customers legally and transparently

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🛡️

High-Risk Processing

Stable merchant accounts for high-risk industries that standard processors won't approve

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View All Solutions

Better Service. Industry Specific. Local Support.

With 20+ years in the industry and a wide range of partner relationships, the UBC Unlimited team can tailor solutions to your individual needs — something a national call center simply can't do.

20+ Years of Expertise

The UBC Unlimited team brings over two decades of merchant services experience to every client relationship.

Industry-Specific Solutions

We don't offer one-size-fits-all packages. Every setup is tailored to your specific industry and business needs.

Local Utah Support

Real people who know Utah business. Not a call center — your dedicated local rep who answers when you call.

Fast Onboarding

Most accounts are active within 24–48 hours. POS system installations require a 14-day lead time from approval. We handle the entire setup so you can focus on your business.

About UBC Unlimited

UBC Unlimited merchant services consultant reviewing payment processing options with Utah business owner

5-Star Rated

1000+ of Utah businesses served

Industry-Specific Solutions

We specialize in restaurants, service companies, and businesses across the Wasatch Front — with solutions tailored to how your industry actually operates.

See Industries We Serve

What Utah Business Owners Say

Real results from real local businesses

“Working with UBC Unlimited over the past two years has been an outstanding experience. They have helped save our business tens of thousands of dollars annually compared to our previous processor.” Read full testimonial

Jess W.

Accountant, Firearms Store · Wasatch Front

“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.” Read full testimonial

Dan C.

CFO, Medical Supply Company · UT, ID, CO & AZ

“Since the day we opened our doors, Josh has been there to provide reliable credit card processing and truly outstanding service.…”

JoAnn G.

Owner · Wasatch Front & St. George

“Working with UBC Unlimited has been a great experience for our business. Their service is exceptional, and they are always available when we need support or have questions.” Read full testimonial

Cory D.

Night Club & Bar Owner · Salt Lake City

“For more than ten years, UBC Unlimited has been a trusted resource for my practice. They took the time to understand how my business works and put payment processing procedures in place that made sense for my specific needs.…”

David N., PhD

Psychologist · Davis County

See all client testimonials

How It Works

Getting started is simple. Our local team handles everything so you can focus on running your business.

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.

Statement Review

Submit your current processing statement. We analyze it line by line and show you exactly where you can save.

Custom Proposal

We build a tailored solution with transparent, competitive pricing that fits your business type and volume.

Seamless Setup & Support

Our local team handles everything — equipment, training, and integration. Ongoing support from a team that knows your name.

Book a Consultation

Transparent Pricing, Tailored to Your Business

There is no single "best rate" in merchant services — the right pricing model depends on your card mix, average ticket, and monthly volume. We analyze your statement and build a structure that actually optimizes your savings.

Ranges shown are illustrative. Your actual effective rate is determined by your unique card mix, industry classification, transaction type (card-present vs. card-not-present), and monthly volume. A statement review gives you exact numbers — no obligation.

Interchange-Plus

Most Transparent

Interchange + 0.10% – 0.50%

above true interchange cost

You pay the exact interchange rate set by Visa/Mastercard plus a small fixed markup. As your card mix shifts toward debit and commercial cards, your effective rate drops automatically.

Rate moves with your actual card mix

Full visibility into every fee line

Best for businesses processing $10K+/mo

Best for

High-volume retail, restaurants, B2B

Best for most businesses

Flat-Rate / Tiered

Simple & Predictable

1.50% – 2.90% + $0.10 – $0.30

per transaction, all card types

One blended rate covers all card types. Easier to budget month-to-month, though businesses with a favorable card mix (high debit, low rewards) often pay more than necessary.

Predictable monthly processing costs

No interchange knowledge required

May cost more if debit volume is high

Best for

Low-volume, seasonal, or startup businesses

Good for under $5K/mo

Cash Discount / Cash Discount & Dual Pricing

Zero-Cost Option

0% to you

card fee passed to card-paying customers

Post a cash price and a card price. Card-paying customers cover the processing fee (typically 3–4% added to their total). Fully compliant with Visa/Mastercard rules when implemented correctly.

Eliminate processing costs entirely

Compliant with all card network rules

Requires proper signage & disclosure

Best for

Retail, food service, service businesses

Eliminate fees completely

What Actually Determines Your Rate

Understanding these three factors is why a statement review is worth more than any rate quote we could give you upfront.

Card Mix

Debit cards cost significantly less to process than premium rewards cards. A business with 60% debit volume pays far less than one dominated by corporate Amex.

Average Ticket Size

Flat per-transaction fees ($0.10–$0.30) hit small-ticket businesses harder. High average tickets benefit more from percentage-based interchange-plus pricing.

Monthly Volume

Higher monthly volume unlocks lower markup rates. Most businesses processing over $20K/month qualify for our most competitive interchange-plus tiers.

How We Compare

UBC Unlimited vs. national platforms — on the factors that actually matter to your bottom line.

Feature	UBC Unlimited Local Utah Expert	Stripe National Platform	Square National Platform
Pricing Model UBC tailors the model to your card mix — you're not forced into one structure.	Interchange-Plus, Flat-Rate, or Cash Discount	Flat-Rate (2.7–2.9% + $0.05–$0.30)	Flat-Rate (2.6–3.5% + $0.10–$0.15)
Effective Rate Range Interchange-plus pricing can save 0.5–1.5% vs. flat-rate for businesses with favorable card mix.	As low as 1.2%–2.2%¹ (card-present, high debit)	2.7%–3.5%+ blended	2.6%–3.5%+ blended
Cash Discount / Cash Discount & Dual Pricing Eliminate processing costs entirely — not available through Stripe or Square.
High-Risk Business Support Stripe and Square routinely terminate high-risk accounts without warning.
Local Dedicated Rep A real Utah-based person who knows your business — not a support ticket.
Month-to-Month Agreement² Standard accounts are month-to-month. Certain solutions and equipment programs may require an agreement.
Statement Review
POS Hardware Options UBC is hardware-agnostic — we find the right fit for your business.	SkyTab, Dejavoo, PAX + more	Stripe Terminal only	Square hardware only
ACH / eCheck Processing
Chargeback Support We fight chargebacks with you, not just notify you of them.	Hands-on local assistance	Self-serve portal	Self-serve portal

Competitor data based on publicly available pricing as of 2025. Actual rates vary. UBC Unlimited rates depend on your specific card mix and volume.

¹ Rates shown reflect low-risk merchants. Medium- and high-risk businesses may see different costs based on industry classification and risk profile.

² Certain solutions and equipment programs may require a contract. This will be clearly disclosed prior to entering any agreement.

Get My Statement Review Request a Custom Quote

No obligation. No pressure. Just an honest comparison of what you're paying vs. what you should be paying.

News & Updates

Expert insights for Utah businesses

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Pricing & Fees

FAQ's

Frequently Asked Questions

Statewide Coverage

Serving Businesses Across All of Utah

From Salt Lake City to rural communities — our local Utah team provides merchant services and payment processing in every county and city across the state.

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All 29 Utah counties covered

Find dedicated service information for your county — including local industry insights, featured cities, and tailored solutions for your area.

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134+ cities across all 29 counties

Find merchant services information specific to your city — or use our city finder to request a consultation if your city isn't listed.

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