Products and Services

  Whether you run a small business or enterprise, we have the solution and financial products to meet your specific requirements of your venture.  You are not limited to merchant services but a range of value added services and profit generating products. You can also quickly convert your equipment/space into a revenue source instead of a cost center, such as selling pre-paid cards or placing an ATM cash machine.

Merchant Accounts Accepting credit cards is a must in today's business. VISA, MasterCard, Discover Card,  American Express and JCB.  Our speed electronic payment system supports Health Care billing, e-Commerce, Retails, Restaurants and Mail/Telephone orders. Select
Electronic Cash Register With the introduction of a FREE integrated cash register system that also manages all functions of credit card processing, we have essentially eliminated the need for stand-alone credit card terminals.  Get a free Cash Register when you open a Retail Merchant Account. Select
Prepaid Cards / Phone Cards You can use your computer to sell Prepaid Cards (phone cards, gift cards) to earn extra cash. There’s no active inventory to maintain or cost. You are given up to $300.00 per day of cards to sell for a start. Select
Reloadable VISA Prepaid Payroll Debit Cards with direct deposit Payroll Debit Cards are attractive for consumers without a bank account or with low credit scores. It offers recent immigrants, guest workers, employers, parents, students and the budget conscious with a convenient and risk free way of managing their money. Popular for company reimbursement, payroll or use as a reloadable cash card. Select
EBT (Electronic Benefits Transfer) Card Processing EBT is the delivery of government benefit funds via electronic means. EBT is a payment option growing at a tremendous rate. SNAP recipients electronically receive SNAP benefits on an EBT Card, which operates like a debit card, to buy eligible food at stores authorized by the Food and Nutrition Service. In order to complete a transaction, the customer swipes the card in a point-of-sale device (POS) and enters a four digit Personal Identification Number (PIN). Enabling your terminal with EBT, allows retails to accept Food Stamp Purchases or Public Assistance from customers with the EBT Card. Select
Be a Bill Payment Center Become the next neighborhood licensed financial center by partnering with us. Expand your offerings. Increase your store traffic and earn money for every transaction. Cash-preferred customers can make payments to over 1,500 bills quickly, safely and securely for every major wireless carrier and satellite TV provider, plus many regional and local utility companies. Select
Point of Sale (POS) System FREE POS system will allow you to manage sales, track inventory and analyze valuable customer information.  WIFI enabled, multiple touch screen terminals and printers. Enter your entire dining menu or inventory, perfect for Restaurants and Retails. Select
ATM Cash Solutions Place an ATM machine at your business location. If you have high volume locations to place ATM, this is one source of revenue generator.  Let the machine work for you! Select
Restaurant Passport to IC Rate Restaurants least expensive option is our Passport to Interchange regulated published rate ~0.30% by VISA/MC Select
Medical Passport to IC Rate Healthcare Merchant Services specialize in deploying and providing the lowest cost to medical doctors, dental, chiropractor, optometry, veterinarian offices. Passport to Interchange regulated published rate ~0.35% by VISA/MC Select
SIGIS IIAS FSA/HRA IIAS allows our terminals to identify eligible healthcare FSA/HRA purchases by comparing the inventory control information (i.1. UPC and SKU number) against a pre-established list of medical expenses at the time of purchase. Merchants that install an IIAS will be able to accurately identify qualifying items being purchased with FSA/HRA debit cards, thereby increasing convenience and loyalty among customers. Select
Dial Pay With Dial Pay, there is no additional equipment/gateway necessary. All you need is a phone for voice authorization. You can authorize and process credit card transactions using a touch-tone telephone. If you already own a POS terminal, Dial Pay can be used as a full-featured backup system.  Voice Authorization is $0.60 per call. Select
E-Check or Direct Debit Authorize.Net® provides an exclusive, fully integrated electronic check payment method, eCheck.Net®. Merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales with recurring direct debit. $0 setup cost, low discount rates of 1.5% and minimum processing of $8. Select
EZCheck Protection Simple, NO COST electronic collections of NSF checks, your backup for bounce checks. With our NSF check service, EZCheck will collect the money owed to you from the NSF check and reimburse you for the full amount of the check. This benefit is provided to you FREE of charge. Select
Gift & Loyalty Gift Card Electronic Gift and Loyalty Store Cards are rapidly becoming a primary success ingredient for staying competitive.  Custom make your own store cards and keep your customers coming back.  Free standard pre-printed gift cards for merchants. Select
PC Solution USB MagStripe Swipe Card Reader An end-to-end PC payment processing software solution, with virtually zero investment in hardware, you can easily accept all forms of payment and access a host of reporting and management tools through a familiar interface based on Windows™ PC. Select
PCCharge or PAYWare PC PCCharge Pro™ is an award-winning payment processing software product designed to save merchants time and money by providing powerful features and performance at the point-of-sale. PCCharge Pro is a cost-effective solution for all business types, including brick-and-mortar merchants, eStores, and MOTO (mail-order/telephone order) shops. Turn any computer into a terminal. Level II, III and recurring processing.  It is not a gateway, there are no costly access fees. Software starting at $99 Select
QuickBooks Turn your QuickBooks and wireless laptop into a terminal today without the cost of a gateway fee. Merchants will want to use their existing copy of QuickBooks to facilitate transaction processing and this Plug-in allows you to process payments directly and schedule recurring billing. Select Gateway Authorize.Net is a VISA Internet payment gateway popularly used as a convenient way for eCommerce or Mail/Telephone orders. This is much cheaper way compared to voice authorization.  A gateway comes with a Virtual Terminal and API integration for your website or online store. Select
Recurring Billing Automated Recurring Billing™ (ARB) enables you to create "subscriptions" for recurring billings. Simply enter the customer's payment information, billing amount, and a specific billing interval and duration. ARB automatically generates the subsequent recurring transactions for you!  You will need an Gateway first.  ARB is an enhanced function that cost $10 a month. Select
eBay checkout You can now accept credit card payments directly from eBay checkout using gateway. Buyers making purchases using eBay Checkout with have the option to pay by credit cards. Using is therefore just 5 clicks to setting up eBay checkout.  Authorize.Net is a VISA payment gateway popularly used as a convenient way for eCommerce or Mail/Telephone orders. Select
Capital Funding $5000 and up If you are looking for working capital to fund a business, cash advance whether to upgrade a kitchen restaurant or to launch a major advertising campaign; we are able to advance you cash and work out a payment plan in proportion to your credit card sales each month.  Traditional loans are hard to qualify these days, this alternative method of cash advance is a cheaper method and payment is based on your volume of sale and no monthly fix payment.  Best of all, no need for personal guaranty and no monthly minimum. To qualify, you have to be in retail, restaurant or healthcare practice with a merchant account.  Some exceptions are granted for low risk e-commerce.  Must have a FICA score of 500 or better and currently process $5000 or more in credit card sales each month.  Approvals as fast as 24 hours, Funds available to the merchant on average within 7 days. Select
Wireless Terminal Now is the time to Go Wireless! If you have a merchant account that has been restricted to a terminal or an expensive equipment, you can now accept cards with cell phone technology.  Nurit, Apple iPhone or iPad, Android phones, WAY system, CHARGE Anywhere. Select
UBS Non-Profit 501(c)(3) Special Projects Engagement Whether you run a small orphanage or large charity organization, we will participate in your venture. United Bank Service sponsors 501(c)(3) accounts, if you run a shelter-orphanage or provide immunization, food, health or emergency organization. Select

To apply for any of the products and services, you begin by opening a merchant account. On the application, you can request to add any products.  For additional information, please contact the Internet Sales Manager by using the Contact Us menu.

UBS Merchant Account Copyright (c) 2003. UBS an agent of Harbortouch Payments, LLC is a registered ISO/MSP of First National Bank of Omaha