Best for
Online and POS-based businesses in the United States.
Specializes in
ACH processing, gift and loyalty programs, debit and credit card processing, mobile and online payment solutions, online processing, as well as POS equipment.
Pricing Summary
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : $395+
Contract Terms:
United Merchant Services is a privately-owned merchant account provider that serves customers in the United States only. Founded in 1994, United Merchant Services is headquartered in Hackensack, New Jersey, with two other offices in Los Angeles, CA, and Duluth, GA.
The firm is a registered ISO/MSP of Merrick Bank, South Jordan, Utah, and Wells Fargo Bank, N.A., Concord, California.
United Merchant Services boasts over 25 years of experience as a “one-stop full-service provider offering the security, support, and technology that few companies can compete with.” The company claims to take innovative approaches to continuously develop its products and services to be one of the top, privately-owned payment processors in the nation.
United Merchant Services offers a three-year contract with an early termination fee of $395. Customers have mentioned a monthly minimum fee of $25, but it is unknown with which programs these fees are associated with. Also, there is a 48-month equipment lease, which cannot be canceled.
It's worth mentioning again that United Merchant Services only serves clients located in the United States so international customers should look for payment services with a different merchant provider.
Head Quarters
Hackensack, NJ
Year Founded
1994
CEO
Jay Yoon
Employees
72
Merchant Provider Risk Tolerance
No setup fee.
Best for online and point of sale businesses in the United States.
Domestic telephone support is available.
The company's website is user friendly and displays the company's products and services.
Offers next day funding.
Early termination fee.
Long term contract.
Equipment lease of 48 months cannot be canceled.
Does not accept international customers.
Software pricing is not disclosed.
Software
According to its website, United Merchant Services offer a proprietary family of products under the UP Solution ® POS software to include U Charge ®, U PAYm ™, U PAYv ™, U PAYr ™, and U PAYE ™. The U PAY software programs are used for mobile payments, virtual terminal, recurring billing, and e-commerce. Pricing for these services is not disclosed. Additional fees are more than likely to accompany the e-commerce portion of the business.
Financing
United Merchant Services offers competitive pricing, next day funding, multilingual services, and chargeback assistance. Their equipment and services are designed to securely process multiple different payment types, including American Express, Debit cards, Diners Club, Discover, EBT, Japanese Credit Bank (JCB), MasterCard, and VISA.
Hardware
There are four credit card terminal systems currently listed on United Merchant's website; The Verifone VX520 Terminal, Verifone VX 805 PIN Pad, PAX S80 Terminal, and PAX SP20 PIN Pad. Each system provides a bulleted list of criteria to determine the proper hardware for each business's needs.
Discloses All Important Terms
No
Public Pricing Available
No
United Merchant Services pricing structure is not advertised on their website. Interested parties should submit a request for a price quote on the company's website to be contacted directly by an account representative.
Review sites indicate a potential three-year contract with an Early Termination Fee (ETF) of $395+, a Monthly Minimum Fee of $25, and a 48-month locked equipment lease.
United Merchant Services pricing offers a swiped rate, keyed-in rate, and virtual terminal rate of 1.00%-4.99%.
Pricing Model
Flat Rate
Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Monthly Fee
Undisclosed
Payment Gateway Fee
Undisclosed
Batch Fee
Undisclosed
Early Termination Fee
$395+
PCI Compliance Fee
Undisclosed
Equipment Lease Terms
48 Month (locked)
Address Verification Service (AVS)
Application Fee
Account Setup Fee
$0
Gateway Setup Fee
Undisclosed
Annual Fee
Monthly Minimum
$25
Statement Fee
United Merchant Services does not disclose specific details for its standard contracts, however, other websites mention a locked 48-month equipment lease, a Monthly Minimum Fee of $25, and an Early Termination Fee of $395+.
Contract Length
3 Years
Early Termination Fee
$395+
United Merchant Services has an "A" rating on its profile with the BBB. The firm has a total of 2 complaints over the last year, neither of which were resolved (to date.) The complaints were regarding issues with billing and the firm's products/services.
Other review sites show multiple complaints that accuse the company for having "scam policies," unauthorized billing, unavailable company representatives, undesirable equipment lease terms, and undisclosed or misrepresented contract terms. The most common complaint appears to be hidden fees.
BBB
A(2 complaints)
2.2 Stars / 42 Reviews
No Reviews yet
Yelp
1 Star / 3 Reviews
Total Online Reviews
85+
Total Online Complaints
15+
Lawsuits
None
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks