UBC Unlimited provides merchant services, payment processing, POS systems, and more to Utah businesses.
Keep more of every sale — legally pass processing costs to the card, not your bottom line
Credit card processing fees quietly drain 2.5% to 4% from every card transaction. UBC Unlimited proven, fully compliant programs to help offset or eliminate processing costs — Dual Pricing or Cash Discount Solutions that are compliant in all 50 States and Credit Card Surcharging that has restrictions based on your location and card acceptance — designed to offset your processing costs while passing meaningful savings directly to your customers. We'll analyze your current statement, walk you through every option, and implement the program that maximizes savings for your business and your customers — fully compliant with your state's regulations.

From first conversation to live processing — here's what to expect when you work with UBC Unlimited.
We review your business type, card mix, and customer base to recommend the right program — cash discount, surcharging, or cash discount & dual pricing.
We configure your terminals or POS, provide all required signage and receipt language, and ensure full card brand compliance.
We train your staff on how to explain the program to customers and monitor your first month of savings to confirm performance.
Real challenges Utah businesses face with payment processing — and exactly how our Cash Discount & Dual Pricing solution addresses each one.
Paying 2–3% in processing fees on every card transaction
For a business doing $1M in annual card volume, that's $20,000–$30,000 per year going to your processor instead of your bottom line.
Cash Discount & Dual Pricing
Cash Discount & Dual PricingDisplay a cash price and a card price at the point of sale. Customers who pay by card cover the processing fee — you keep more of every sale. Fully compliant with card network rules, legal in all 50 states.
Concern about customer pushback on card surcharges
Many business owners worry that customers will react negatively to a card price differential and choose competitors who don't charge extra.
Transparent pricing with compliant signage and staff training
Compliance & TrainingWe provide all required signage, staff talking points, and receipt language. When pricing is displayed clearly upfront, the vast majority of customers accept it without issue — especially when the cash discount is meaningful.
Uncertainty about whether cash discount & dual pricing are legal and compliant
Surcharging rules vary by state and card network. Implementing a non-compliant program can result in fines or processor termination.
Fully compliant program setup and ongoing support
ComplianceOur cash discount & dual pricing are fully compliant with Visa, Mastercard, and Discover rules, and legal in all 50 states. We handle the setup, signage, and compliance documentation so you don't have to worry.
Your current POS doesn't support cash discount & dual pricing
Implementing cash discount & dual pricing requires a POS that can display both prices, print compliant receipts, and report correctly — not all systems support this.
Dual-pricing-ready POS and terminal hardware
Hardware & SetupWe supply terminals and POS systems pre-configured for cash discount & dual pricing. Customer-facing screens show both prices clearly, receipts are compliant, and reporting separates cash and card transactions automatically.
Your most customer-friendly option. Post a single standard price — which reflects your card price — and automatically apply a discount at checkout when the customer pays with cash. The discount shows on the receipt, customers feel rewarded for paying cash, and you recover your processing cost on every card transaction. Legal in all 50 states, applies to credit, debit, and prepaid cards.
Add a clearly disclosed fee to credit card transactions at the point of sale. Surcharging is capped at 3% (or your actual cost, whichever is lower) and must be disclosed before the transaction is completed. It applies to credit cards only — not debit or prepaid — and is currently prohibited in a small number of states. We handle all compliance requirements, signage, and registration with card brands on your behalf.
Display two prices side by side — a lower cash price and a standard card price — so customers see the difference upfront and choose their payment method before the transaction begins. A straightforward, transparent approach that works well in retail and restaurant environments where customers appreciate having the choice clearly presented.
Every program requires specific signage, receipt language, and customer-facing disclosures to stay compliant with Visa, Mastercard, and applicable state laws. We provide all of it — professionally designed, ready to post — so you're covered from day one.
Our programs work with a wide range of countertop terminals, wireless devices, and full POS systems. In most cases we can reprogram your existing equipment at no charge. If you need new hardware, we'll configure it for your program before it ships.
Dual Pricing & Cash Discount solutions recover costs on every card transaction — credit, debit, and prepaid. Surcharging is limited to credit cards only. We'll help you choose the program that gives you the broadest cost recovery for your specific card mix.
Our Dual Pricing & Cash Discount solutions are available with no monthly program fees for qualifying accounts. You recover processing costs without adding new overhead to your operating budget.
See exactly how much your program is saving you every month — cash vs. card splits, total fees recovered, and program performance — all from your reporting dashboard.
A well-trained team is the difference between a smooth customer experience and unnecessary friction. We provide training materials, talking points, and onboarding support so your staff can explain the program confidently and professionally.
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.
"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."
Jason M.
Utah Restaurant Owner
Talk to a local expert today
No obligation. No pressure. Just honest advice.
Get a no-obligation statement review and see exactly how much you can save with UBC Unlimited.