UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
Payment Solutions
Every Way Your Business Accepts Payments
From in-person card swipes to online invoicing, UBC Unlimited has the complete payment stack for Utah businesses.
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Credit Card Processing
Accept Visa, Mastercard, Amex, and Discover with competitive interchange-plus pricing.
- Interchange-plus pricing
- Next-day funding
- EMV & NFC ready
- No hidden fees
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ACH / eCheck Processing
Process bank transfers and electronic checks at a fraction of card processing costs.
- Lower cost than credit cards
- Recurring billing
- Fast ACH settlement
- Batch processing
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✅
Check Guarantee
Accept checks with confidence — we guarantee payment even if the check bounces.
- 100% guarantee
- Check verification service
- No chargebacks
- Risk-free acceptance
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POS Systems
Full-featured POS systems for restaurants, retail, and service businesses.
- SkyTab & Clover
- Inventory management
- Employee tracking
- Reporting & analytics
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eCommerce Payments
Secure online payment gateways that integrate with your website and shopping cart.
- 100+ integrations
- Fraud protection
- Recurring billing
- Mobile optimized
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Mobile Processing
Accept payments anywhere with mobile card readers and smartphone apps.
- Bluetooth readers
- Offline mode
- Fast funding options
- iOS & Android
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Virtual Terminals
Process card-not-present transactions from any browser — no hardware required.
- Browser-based
- MOTO transactions
- Batch processing
- Secure vault
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Invoicing
Send professional invoices and get paid faster with online payment links.
- Custom branding
- Auto-reminders
- Payment links
- Recurring invoices
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Gift Cards & Loyalty
Increase repeat visits and average ticket size with branded gift cards and a built-in loyalty rewards program — all integrated directly with your POS.
- Branded physical & digital gift cards
- Points, rewards & tier-based loyalty
- POS-integrated — no manual tracking
- Email & SMS marketing tools
- $0 annual program fees
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Cash Discount & Dual Pricing
Legally eliminate up to 100% of your credit card processing fees with a compliant surcharge or cash discount program — available in all 50 states.
- Up to 100% of fees eliminated
- Legal in all 50 states (program-dependent)
- Compliant signage & receipt language included
- Works with most POS systems & terminals
- $0 monthly program fee
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High-Risk Processing
Secure a stable merchant account for your high-risk or hard-to-place business — with competitive rates, multiple acquiring bank relationships, and a dedicated local Utah rep.
- 50+ high-risk verticals supported
- Multiple acquiring bank options
- Competitive rates for high-risk accounts
- Rolling reserve minimized for qualified merchants
- Local Utah rep assigned
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Ready to Start Saving on Payment Processing?
Get a no-obligation statement review and see exactly how much you can save with UBC Unlimited.