UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
Industries We Serve
Payment Solutions Built
For Your Industry
Every industry has unique payment challenges, compliance requirements, and cost structures. We specialize in tailored solutions that fit how your business actually operates — not a one-size-fits-all package.
Pricing Tailored to Your Card Mix
A restaurant's card mix differs from a firearms dealer's. We analyze your actual transaction data and build a pricing model that reflects your real cost — not a generic rate.
Industry-Specific Integrations
Your POS, booking software, eCommerce platform, and accounting system all need to talk to each other. We connect the dots so your payment system works with your workflow.
Stable Accounts, No Surprises
Mainstream processors terminate accounts without warning. We work with acquiring banks that understand your industry — so your account stays open and your cash flow stays predictable.
A Local Rep Who Knows Your Business
With UBC Unlimited, you work with a dedicated Utah-based rep who knows your account, your setup, and your industry — not a rotating call center queue. When you have a question, you reach someone who already knows the answer.
Standard Industries
Pricing tailored for your business, industry-specific integrations, and local Utah support for businesses across all major sectors.
🍽️
Restaurants
From fast-casual to fine dining — payment systems that keep tables turning and revenue flowing.
Common Challenges
- •High transaction volume with thin margins
- •Tip management complexity
- •Online ordering integration gaps
- •Staff turnover and training costs
Our Solutions
🍽️
Tableside Ordering & Pay
Handheld terminals let servers take orders and process payments at the table — reducing errors and speeding up turns.
🖥️
Kitchen Display Systems
Eliminate ticket confusion with real-time order routing from POS to kitchen, bar, and expo stations.
📱
Online Ordering Integration
Connect your POS to DoorDash, Uber Eats, and your own website — all orders flow into one system.
💳
Cash Discount & Dual Pricing
Eliminate up to 100% of your processing fees by offering a small discount to cash-paying customers.
🍺
Bars & Nightclubs
Fast tabs, split checks, and age verification — built for high-volume nightlife.
Common Challenges
- •Slow tab management during peak hours
- •Disputed charges and chargebacks
- •Split check complexity
- •Age verification compliance
Our Solutions
🍺
Open Tab Management
Pre-authorize cards and manage open tabs with one tap — no more lost cards or end-of-night disputes.
⚡
High-Speed Processing
Process hundreds of transactions per hour without slowdowns — critical during peak service windows.
🔀
Split Check & Tip Adjust
Split any check any way, and allow tip adjustments after the fact — reducing disputes and increasing gratuity.
🛡️
Chargeback Protection
Signature capture and transaction records that win disputes before they become chargebacks.
🛍️
Retail
Inventory-aware POS systems that sync your in-store and online sales in real time.
Common Challenges
- •Inventory discrepancies between channels
- •Slow checkout lines losing customers
- •Loyalty program fragmentation
- •Employee theft and shrinkage
Our Solutions
📦
Real-Time Inventory Sync
Every sale updates your inventory instantly across all registers and online channels — no more overselling.
🏷️
Barcode & SKU Management
Scan-to-checkout with full product catalog, variant, and pricing support for thousands of SKUs.
🎁
Loyalty & Gift Cards
Built-in loyalty points, digital gift cards, and promotional pricing that keep customers coming back.
👥
Employee Management
Time clock, role-based permissions, and sales reporting by employee — reduce theft and reward top performers.
🏥
Medical
HIPAA-aware payment solutions that simplify patient billing and reduce collection costs.
Common Challenges
- •Complex insurance co-pay collection
- •Patient payment plan management
- •HIPAA compliance requirements
- •High accounts receivable balances
Our Solutions
🏥
Patient Payment Plans
Offer flexible payment plans at the point of care — reduce collections costs and improve patient satisfaction.
🔒
HIPAA-Aware Processing
Payment workflows designed with healthcare privacy requirements in mind — protecting patient data at every step.
🔄
Recurring Billing
Automate monthly payment plan installments with card-on-file billing — reduce staff time and improve cash flow.
💻
Virtual Terminal
Accept phone and mail-order payments from any browser — ideal for billing departments and telehealth practices.
🌐
eCommerce
Secure payment gateways with fraud protection built for online merchants at any volume.
Common Challenges
- •High chargeback rates from card-not-present fraud
- •Shopping cart abandonment at checkout
- •Multiple gateway integrations
- •International payment complexity
Our Solutions
🛒
Shopping Cart Integration
Native plugins for WooCommerce, Shopify, Magento, and BigCommerce — no custom development required.
🛡️
Fraud Prevention Suite
AVS, CVV, velocity checks, and 3D Secure authentication reduce fraud losses before they hit your account.
🌍
Multi-Currency Support
Accept payments in 135+ currencies with automatic conversion — expand your market without adding complexity.
📊
Chargeback Management
Dispute management tools and representment support to recover revenue from fraudulent chargebacks.
🚗
Automotive
High-ticket payment solutions for dealerships, service centers, and auto parts retailers.
Common Challenges
- •High average ticket sizes increasing processing costs
- •Parts inventory management complexity
- •Service authorization and deposit workflows
- •Fleet account billing
Our Solutions
🚗
High-Ticket Processing
Interchange-plus pricing optimized for large transactions — save significantly vs. flat-rate on $1,000+ tickets.
🔧
Parts & Service POS
Integrated parts inventory, labor tracking, and repair order management in one system.
💰
Deposit & Authorization
Pre-authorize deposits for service work and hold funds securely until job completion.
🏢
Fleet & B2B Billing
Net-30 invoicing, fleet account management, and Level 2/3 processing for commercial customers.
💼
Professional Services
Invoicing, recurring billing, and virtual terminals for service-based businesses.
Common Challenges
- •Slow invoice payment cycles
- •Recurring retainer billing management
- •Remote payment collection
- •Trust account compliance for legal
Our Solutions
📄
Digital Invoicing
Send branded invoices with a pay-now link — clients pay online in seconds, funds arrive in 1–2 business days.
🔄
Recurring Retainers
Automate monthly retainer billing with card-on-file — eliminate manual invoicing and late payments.
💻
Virtual Terminal
Accept payments over the phone from any browser — no hardware required for office or remote billing.
🏛️
Trust Account Compliance
IOLTA-compliant payment workflows for law firms — keep operating and trust funds properly separated.
💅
Salons & Spas
Appointment-integrated payments with tip management and gift cards for beauty businesses.
Common Challenges
- •Tip management and reporting complexity
- •Appointment no-shows and cancellation fees
- •Gift card and package tracking
- •Staff commission calculations
Our Solutions
💇
Appointment Integration
Connect your booking software (Mangomint, Mindbody, Booksy) directly to your payment system.
💸
Tip Management
Prompt customers for tips at checkout and automatically calculate staff tip distributions at close.
🎁
Gift Cards & Packages
Sell and redeem physical and digital gift cards, service packages, and memberships in one system.
📊
Staff Commission Reports
Track sales by stylist and generate commission reports automatically — save hours of manual calculation.
🏢
Property Management
Recurring rent collection, ACH processing, and tenant payment portals for property managers.
Common Challenges
- •Manual rent collection and tracking
- •High credit card processing fees on large payments
- •Late payment management
- •Multi-property accounting complexity
Our Solutions
🏠
ACH Rent Collection
Collect rent via ACH bank transfer at a fraction of credit card costs — ideal for large monthly payments.
🔄
Recurring Auto-Pay
Tenants enroll once and rent is collected automatically each month — reduce late payments by up to 80%.
💻
Tenant Payment Portal
Branded online portal where tenants pay rent, view history, and manage payment methods 24/7.
📊
Multi-Property Reporting
Consolidated payment reporting across all properties — simplify reconciliation and owner distributions.
Why Industry-Specific Processing Matters
Generic payment processors apply the same rates and restrictions to every business. The result is overpaying on processing costs, missing integrations, and accounts that get terminated without warning.
Pricing Tailored to Your Card Mix
A restaurant's card mix differs from a firearms dealer's. We analyze your actual transaction data and build a pricing model that reflects your real cost — not a generic rate.
Industry-Specific Integrations
Your POS, booking software, eCommerce platform, and accounting system all need to talk to each other. We connect the dots so your payment system works with your workflow.
Stable Accounts, No Surprises
Mainstream processors terminate accounts without warning. We work with acquiring banks that understand your industry — so your account stays open and your cash flow stays predictable.
A Local Rep Who Knows Your Business
With UBC Unlimited, you work with a dedicated Utah-based rep who knows your account, your setup, and your industry — not a rotating call center queue. When you have a question, you reach someone who already knows the answer.
High-Risk Industries
SpecializedMany legitimate businesses are classified as high-risk by traditional banks. We work with specialized acquiring banks to secure stable merchant accounts — with transparent pricing, dedicated local support, and no surprise terminations.
✅Stable accounts through specialized banks
💰Transparent pricing — no hidden surcharges
🛡️Chargeback management included
📞Dedicated local support team
High-Risk Merchant Processing Overview
Understand rates, rolling reserves, approval requirements, and how to get started with a high-risk account
🎯
Firearms & Shooting Sports
Stable FFL dealer accounts with in-store and online payment solutions.
Common Challenges
- •Account terminations from mainstream processors
- •Online sales gateway restrictions
- •FFL compliance documentation
- •High chargeback risk from online sales
Our Solutions
🎯
Stable FFL Merchant Account
Accounts through acquiring banks that specialize in firearms — no surprise terminations or holds.
🛒
Online Gateway Support
Accept online payments for firearms accessories, ammunition, and legal transfers through compliant gateways.
💳
In-Store Payment Terminals
Reliable countertop and wireless payment terminals built for high-volume retail environments — fast, secure, and compliant.
🛡️
Chargeback Management
Transaction documentation and dispute management tools to protect your account and win disputes.
🌿
CBD & Hemp
Farm Bill-compliant merchant accounts for CBD retailers and hemp product brands.
Common Challenges
- •Mainstream processor account terminations
- •Online sales gateway restrictions
- •Compliance documentation requirements
- •High rolling reserve demands
Our Solutions
🌿
Compliant Merchant Account
Accounts through banks familiar with Farm Bill compliance — stable processing without surprise holds.
🛒
eCommerce Gateway
Accept online payments for CBD products through compliant gateways that understand the industry.
📋
Compliance Support
We help you prepare the documentation banks require — COAs, lab results, and business verification.
💰
Competitive Rates
Pricing tailored to your actual risk profile and transaction mix — not a blanket high-risk surcharge applied across the board.
💊
Nutraceuticals & Supplements
Supplement brands and subscription billing with chargeback management built in.
Common Challenges
- •High chargeback rates from subscription billing
- •Continuity program compliance
- •Negative option billing restrictions
- •Account holds during disputes
Our Solutions
💊
Subscription Billing
Recurring billing with dunning management — retry failed payments automatically before they become chargebacks.
🛡️
Chargeback Management
Dispute management tools, transaction documentation, and representment support to protect your account.
📋
Continuity Compliance
Billing workflows designed to meet FTC and card network requirements for subscription and continuity programs.
📊
Decline Recovery
Smart retry logic and account updater services recover failed payments that would otherwise be lost revenue.
✈️
Travel & Hospitality
Stable accounts for travel agencies and booking platforms with chargeback prevention.
Common Challenges
- •High chargeback rates from cancellations
- •Advance purchase and delayed delivery risk
- •Seasonal cash flow volatility
- •Multi-currency complexity
Our Solutions
✈️
Travel Merchant Account
Accounts through banks familiar with travel industry risk — stable processing through seasonal fluctuations.
🛡️
Chargeback Prevention
Cancellation policy documentation, dispute management, and representment support to protect your account.
🌍
Multi-Currency Processing
Accept payments in 135+ currencies with competitive conversion rates for international bookings.
📊
Advance Deposit Workflows
Secure deposit collection and balance billing workflows that satisfy card network requirements for travel.
🎮
Online Gaming & Fantasy Sports
Skill-based gaming and esports merchant accounts with advanced fraud prevention.
Common Challenges
- •Mainstream processor account terminations
- •High fraud rates from anonymous players
- •Rapid transaction velocity
- •Regulatory compliance complexity
Our Solutions
🎮
Gaming Merchant Account
Accounts through banks that understand skill-based gaming — stable processing without surprise terminations.
🛡️
Fraud Prevention Suite
Velocity checks, device fingerprinting, and behavioral analytics to catch fraud before it hits your account.
⚡
High-Volume Processing
Infrastructure built for rapid transaction velocity — handle thousands of micro-transactions without slowdowns.
📋
Compliance Support
We help you navigate card network rules and state regulations for skill-based gaming and esports.
📞
Telemarketing
Stable merchant accounts for outbound sales and call centers with chargeback tools.
Common Challenges
- •High chargeback rates from phone sales
- •Account terminations from mainstream processors
- •TCPA compliance requirements
- •Recurring billing management
Our Solutions
📞
Telemarketing Merchant Account
Accounts through banks familiar with MOTO and outbound sales — stable processing with transparent terms.
🛡️
Chargeback Management
Call recording integration, transaction documentation, and dispute management to protect your account.
🔄
Recurring Billing
Subscription and installment billing with dunning management for continuity and membership programs.
💻
Virtual Terminal
Accept phone payments from any browser with full transaction documentation for dispute protection.
📈
Credit Repair
Compliant merchant accounts for credit counseling services with recurring billing support.
Common Challenges
- •TSR compliance for advance fee restrictions
- •High chargeback rates from dissatisfied clients
- •Recurring billing management
- •Account terminations from mainstream processors
Our Solutions
💳
Credit Repair Merchant Account
Accounts through banks familiar with credit services — compliant processing that meets TSR requirements.
🔄
Compliant Billing Workflows
Billing structures designed to meet FTC Telemarketing Sales Rule requirements for credit repair services.
🛡️
Chargeback Management
Service agreement documentation, dispute management, and representment support to protect your account.
📊
Client Payment Portals
Branded payment portals where clients manage their payment plans and view billing history.
🔄
Subscription & Continuity
Recurring billing and subscription merchant accounts with chargeback prevention built in.
Common Challenges
- •High chargeback rates from negative option billing
- •Failed payment recovery
- •Dunning management complexity
- •Card network compliance for continuity
Our Solutions
🔄
Subscription Billing Engine
Flexible recurring billing with trial periods, upgrades, downgrades, and pause functionality built in.
📊
Dunning Management
Automated retry logic, account updater, and email sequences recover failed payments before they churn.
🛡️
Chargeback Prevention
Clear billing descriptors, cancellation workflows, and dispute documentation to minimize chargebacks.
📋
Compliance Workflows
Billing flows designed to meet FTC and card network requirements for continuity and subscription programs.
💨
Vape & E-Cigarettes
Stable accounts for vape shops and online stores with age-verification tools.
Common Challenges
- •Mainstream processor account terminations
- •Age verification compliance requirements
- •Online sales gateway restrictions
- •Regulatory uncertainty
Our Solutions
💨
Vape Merchant Account
Accounts through banks that understand the vape industry — stable processing without surprise holds.
✅
Age Verification Integration
Compliant age verification workflows for online sales that satisfy card network and regulatory requirements.
🛒
eCommerce Gateway
Accept online payments for vape products through compliant gateways with fraud prevention built in.
💳
In-Store Payment Terminals
Reliable countertop and wireless payment terminals for vape and e-cigarette retailers — fast, secure, and built for high-volume retail.
💊
Online Pharmacy
Compliant payment solutions for telehealth platforms and online pharmacies.
Common Challenges
- •Mainstream processor refusals
- •HIPAA compliance requirements
- •Prescription verification workflows
- •High fraud risk from online orders
Our Solutions
💊
Pharmacy Merchant Account
Accounts through banks familiar with online pharmacy compliance — stable processing with transparent terms.
🔒
HIPAA-Aware Processing
Payment workflows designed with healthcare privacy requirements in mind — protecting patient data.
🛡️
Fraud Prevention Suite
Advanced fraud detection tools to identify suspicious orders before they ship and before chargebacks occur.
🔄
Recurring Prescription Billing
Auto-refill billing for maintenance medications with card-on-file and account updater services.
₿
Cryptocurrency
Merchant accounts for crypto exchanges and digital asset platforms.
Common Challenges
- •Mainstream processor refusals for crypto-adjacent businesses
- •High chargeback risk from volatile assets
- •Regulatory compliance complexity
- •KYC/AML requirements
Our Solutions
₿
Crypto Business Merchant Account
Accounts through banks familiar with digital asset businesses — stable fiat processing alongside crypto.
🛡️
Chargeback Management
Transaction documentation and dispute management tools designed for the unique risks of crypto businesses.
📋
Compliance Support
We help you prepare the KYC/AML documentation and business verification banks require for approval.
🔒
Fraud Prevention
Advanced fraud detection to protect your platform from chargebacks and fraudulent transactions.
🔞
Adult Entertainment
Discreet, compliant merchant accounts for adult content platforms and subscription sites.
Common Challenges
- •Mainstream processor refusals
- •High chargeback rates from subscription disputes
- •Age verification compliance
- •Discreet billing descriptor requirements
Our Solutions
🔒
Compliant Merchant Account
Accounts through specialized banks with experience in adult content — stable processing with transparent terms.
🔄
Subscription Billing
Recurring billing with chargeback management and dunning tools designed for content subscription models.
🛡️
Discreet Billing
Customizable billing descriptors that protect customer privacy and reduce friendly fraud chargebacks.
✅
Age Verification Integration
Compliant age verification workflows that satisfy card network and regulatory requirements.
22+
Industries Served
From restaurants to high-risk verticals
20+
Years of Experience
the UBC Unlimited team
24–48h
Typical Approval Time
Most accounts approved and processing
Not Sure Which Category Fits Your Business?
Contact us for a consultation. We'll evaluate your business, explain your options, and find the right processing solution — regardless of your risk classification.