Business Merchant Accounts for Small Businesses

Universal Payment Systems offers a wide variety of merchant products and services, to suit the performance, size and cost demands of your business.


Online, Retail, Mail Order, Phone, Hotel, Restaurant and Other Account Services

Retail MerchantRetail Merchant

The acceptance of major credit cards is a key factor in the satisfaction of your customers. Universal Payment Systems will provide your retail storefront with processing solutions to accommodate them and allow your business to prosper.Read More


Wireless MerchantWireless Merchant

Accept credit cards anywhere, anytime with a wireless merchant account. Whether you have a service business that works at your customer’s location or if you take your retail business on the road, wireless processing is an easy and cost-effective way to accept credit cards wherever your customers happen to be. Read More


Restaurant MerchantRestaurant Merchant

Universal Payment Systems can provide your restaurant with an array of terminal solutions for your specific needs. Whether you own a small diner, a fine dining establishment, restaurant chain or a specialty shop we offer transaction processing features for your industry that will support all major credit and debit cards. Read More


Phone and Mail Order MerchantPhone/Mail Order Merchants

Universal Payment Systems can easily help you establish a merchant account for your mail order, telephone order business. Card-not-present transactions in which you never take physical possession of your customers credit card require a special merchant account. Most credit card companies use special criteria to assess risk and have a different fee structure for these types of accounts, we do not! Read More


eCommerce MerchantE-Commerce Merchant

Processing credit cards over the Internet is one of the fastest growing segments of transactions today. We understand this and have chosen the best eCommerce solutions available to help your business succeed in the ever changing world of eCommerce. Read More


High Volume ProcessingHigh Volume Processing

Universal Payment Systems has put together processing packages for some of the most successful businesses in America. Let our team of experts evaluate your specific needs and customize a solution that will allow you to focus on what you do best, grow your business. You will receive a dedicated specialist as well as the highest level of support in the industry. Read More


eCheck ProcessingTelecheck®

The TeleCheck Electronic Check Acceptance® (ECA®) Warranty service converts paper checks into electronic payments at the point of sale and delivers funds directly to your bank account. This new digital process improves your cash flow. Once the check is approved, it’s TeleCheck’s responsibility! No returned checks, deposit fees, warranty claims or hassles. Just like with credit cards, the service ensures quick funds settlement. Read More


Petroleum & Gas Station MerchantPetroleum/Pay At The Pump

Universal Payment Systems offers several unique credit and debit card processing solutions to gas stations. In the petroleum market, speed, reliability and profitability are business owner’s top concerns. Read More


Hotel & Lodging MerchantHotel/Lodging

Universal Payment Systems provides credit card processing, debit card processing and TeleCheck Electronic Check Acceptance® (ECA®) service designed specifically for the Hotel / Lodging industry. These services streamline the check-in / check-out process at the front desk. Establishments will be able to accept credit cards, debit cards and checks, but will also be able to process full lodging application data, check-in / check-out information and handle authorizations against a cardholder’s credit limit during their stay. Read More