Low Cost Credit Card Processing

Here at Universal Payment Systems we pride ourselves in educating and informing you about how to accept credit cards, providing the best processing solution for your business, all the while saving you lots of money with free setup, free software, and some of the lowest processing rates available. We service thousands of merchants nationwide and we understand that offering electronic payments in today’s world is a necessity for your business. Not only does it provide an increase in sales, but it also enhances your customer base.


Accepting more payment options lets you accept more business.

Universal Payments provides an array of electronic payment processing options to retail, restaurant, mail order, telephone order, and Internet businesses. Our services include credit, debit and EBT card processing, check conversion and guarantee, electronic gift certificate processing, and equipment leasing and sales.
Personal service is what drives us and it has proven to help businesses grow. Offering you options that fit your business…it’s that simple. Efficient and professional service will always be offered.
You have several processing options when accepting credit cards. Some options are geared more for sales where you do not have the card physically present… Read More


Merchant Accounts, e-Commerce Transaction Services &
Electronic Payment Solutions For Businesses


Merchant Solutions:
Retail, Internet, Wireless, Phone-order Mail-order & Home Based Business! Call today for the lowest rates or simply apply online by completing our simple online pre-application. Apply now


Credit Card Machines:
Get the guaranteed lowest prices on equipment from these outstanding manufacturers. Learn more!


Credit Card Processing Software:
Turn any computer into a credit card processing terminal with PC and Mac software. Learn more!