United Bank Card has been in the payment processing industry for over 6 years.  From our humble beginnings to our current position as a power player in the industry, our entire sales force as always been comprised of ISO and sales agents. We do not compete with our ISOs, both on the local and nationwide levels.  Our staff and management based out of NJ and AZ are entirely dedicated to servicing our ISO, Agent and Merchant customers.

At UBC we realize how diversified the payment processing and acceptance market has become.  Over the years we have adapted to these changes and in turn can offer a broad range of products and services to our ISOs and Agents.   With our aggressive ISO program and all the features and options that go with it; UBC assists over 1100 contracted ISOs around the country in building profitable merchant portfolios. Our base Program gives ISOs and Agents the choice between an Interchange Revenue Share residual program and a Buy-Rate program.  We also offer the option for larger and qualified offices to register as Member Service Providers with Visa and MasterCard.   In addition to the base and registered programs, we also offer Agent Bank partnerships, Direct POS Leasing with MBF, Gift and Loyalty Cards, Check Services (including Electronic Check Conversion), ATM Machines and a variety of other merchant payment solutions.   With the payment processing market becoming as competitive as it is, United Bank Card directs a majority of our resources to making sure that we offer all available products and services backed by aggressive pricing to our ISO's and Agents.   We believe that diversifying residual streams and offering merchants a variety of payment solutions will increase ISO and Agent's average profitability per merchant and lower merchant attrition.  More details about our ISO Programs and Value Added Services can be found below.



ISO And Agent Office Program:
United Bank Card has built an unbeatable reputation over the last 6 years with our award-winning ISO and Agent Programs.  In addition to great residual pricing we offer up-front bonuses, a variety of Value Added Services, Same-Day fast /easy approvals, an entirely in-house operation from start-to-finish and a staff / management team that dedicates 100% of their resources to the success of our ISO and Agent partnerships.   All the benefits and pricing for our ISO/ Agent Program can be found under the Residual Income section.

Registered ISO/MSP Program:
Registered ISO/MSP's are sales offices that meet certain criteria and are sponsored by United Bank Card's member bank as a registered Independent Sales Office of Visa U.S.A and MasterCard International.  Registered ISO/MSP's are often larger, more self sufficient sales organizations that take on functions typically handled by United Bank Card.   These functions can include risk management, underwriting, customer service, technical support, file builds, etc.  In addition to more favorable pricing, there are several other benefits to registering including the ability to private label the merchant program (applications, statements, overlays), greater contractual ownership of your portfolio, the ability to approve your own accounts, etc.  For further information and details on becoming a registered ISO/MSP please contact one of our National Sales Managers here.
 

NEW !!!  Free Equipment Program:
United Bank Card has recently launched our nationwide Free Equipment program.   The purpose of this program is to provide a merchant with a Free Nurit 8320 or Free Comstar Wireless terminal completely free of charge.  Every merchant gets a free terminal, big or small.  High volume or no volume.  Our ISO and Agent partners are expected to double or even triple the size of their portfolios in a matter of months. The sales representatives in the field will no longer have to waist entire afternoons downloading and reprogramming existing equipment.  Every merchant gets a free Nurit 8320 terminal or Comstar Wireless Terminal - it is your choice!  
Free Equipment is entirely unique to United Bank Card and offers our ISO and Agent partners a significant edge in the merchant marketplace.  The Nurit 8320 terminal is the flagship of the Lipman line and is regarded as the best all-in-one credit card terminal on the market.  The terminal is IP capable, has a built-in printer, built-in Pin-Pad, triple DES compliant, Visa PED compliant, expanded memory and high-speed modem.    The other terminal is a Wireless credit card terminal designed by Comstar Interactive.  It processes transactions wirelessly through the Cingular/Mobitex network.  This is the same network that most wireless terminals like the Nurit 8000 and 3010 use.  The terminal features "Store-and-Forward" capabilities when out of coverage and also do check guarantee wirelessly.  The Free Comstar program is perfect for limousine, taxi, craft show, service and other merchants on the "go".

While most peoples normal reaction is "nothing is free", United Bank Card has designed this program to be free of any hidden fees, hidden rentals, app fees or the like.  The program works exactly as it sounds.   The terminals are free to gain the processing business.  Similar to cable TV companies, wireless cell phones, alarm systems - the product is free in exchange for the processing services.  United Bank Card is the first payment processing organization to leverage our size and market share to deliver the first TRUE Free Terminal program.  To subsidize lost equipment income - United Bank Card is paying our ISO and Agent partners an additional $100.00 bonus per application.   Please click below for further details on the program.

* Updated Free Equipment Program - ISO Brochure
* Free Equipment Program - Details & Terms
* New! Weekly Bonus Program

Direct Terminal Leasing w/ MBF:
United Bank Card offers our ISO's and Agents a direct relationship with the industry's largest and most highly regarded terminal leasing vendor - MBF. All of our ISO and Agents have the opportunity to sign a direct contract with MBF with very favorable leasing terms.  Additionally, MBF offers guaranteed lease approvals, faxed leasing - no originals, same-day ACH funding and equipment split-funding through United Bank Card. MBF also does not require first and last payment, and can be used to lease Comstar terminals.  For complete details on signing up with MBF please download the welcome package here.
 

ATM Machines - United Cash Solutions
In 2004, United Bank Card announced the launch of our ATM Division,  United Cash Solutions, Inc., a division of United Bank Card dedicated to ATM transaction processing and ATM machine deployment.  We offer a wide variety of programs including ATM Sales, Leases and Free Placement options.   To receive further information or to request an ISO package please contact the Vice President of Sales for UCS, Stephanie DeLeve at 800-698-0026 ext. 430 (sdeleve@unitedcashsolutions.com). To see United Cash Solutions latest Green Sheet Advertisement click here.

NEW!!  Signature Capture Services
United Bank Card is the first processing organization to develop an in-house signature capture network.  No longer are the features and benefits of signature capture limited to the big name multi-location retailers of the world like Best-Buy and Macy's.  United Bank Card's signature capture network is a key component of our Free Equipment Program. Signatures are stored electronically in the POS terminal and then transmitted to United Bank Card's host at the end of the day.  Merchants benefit by having an organized online solution for archiving and retrieving signatures as well as reduced chargeback and retrieval expenses and losses.  United Bank Card's chargeback department can manage and respond to retrieval requests without ever involving the merchant.  Signature Capture is a great "lead-in" product, with a minimal service cost that can be marked up by our ISO's and Agents to create additional revenue streams.


NEW!!  Online Merchant Application w/ Instant Approval
Timed with the release of our Free Equipment Program and Signature Capture Network, United Bank Card is pleased to announce the launch of our improved Online Application w/ Instant Approval. Now UBC ISO's and Agents can link an Online Merchant Application right off their website for merchants to fill-out and receive an instant approval.  Our ISO and Agent partners do not even need to get involved with the application process, everything is fully tracked, the merchant submits the application and it automatically populates into United Bank Card's system and issues an approval or decline.  Not only does application produce an instant decision, it also builds the merchant record, the terminal record and the download file in a matter of seconds.   The system then notifies our West Coast deployment center to ship the terminal of choice, usually the Free Nurit 8320, that same day!.   The other option is for the Instant Application to be loaded on a laptop computer and used by the ISO or Agent while in the field at a merchants location.  The merchant can sign right on the screen by using their mouse and receive an instant approval.  If the ISO or Rep brought a Free 8320 terminal with them, it could be downloaded within 60 seconds of submitting the application.  All the pricing and defaults for the Online Application can be configured individually for each ISO right on the Interactive ISO System.

NEW!!  2005 Mercedes SL 500 Contest
United Bank Card is pleased to announce our 2005 Sales contest.  We will give giving away two Mercedes SL 500 sports cars.   Each merchant application submitted and approved by UBC will count as one entry into the contest.  Each ATM Placement application with United Cash Solutions will count as two entries and each ATM lease application will count as four entries.   We will then have two drawings for the cars.  One will be at our Annual Sales Conference in Ft. Lauderdale Florida in September of 2005 and the 2nd drawing will take place at the Electronic Transaction Association show in Las Vegas, NV Q1 2006.  For complete details please view the contest announcement below.

UBC Sales Contest - 2005 Mercedes SL 500 (2 cars)

UPDATED!!  Gift and Loyalty Card Program:
Prepaid Gift Cards are currently the fastest growing, non-cash form of payment in the country.  In the past, this form of payment was reserved for the large nationwide chain and department stores.  With United Bank Card's partnership with Valutec Card Solutions, our ISOs and Agents can offer Gift and Loyalty Card solutions at an economical price to start-up and small retail / restaurant locations.  Gift Cards are significantly more cost-effective than traditional paper certificates and also provide additional benefits like customer retention, loyalty, marketing and additional revenue from unredeemed and expired cards.  Click here for complete details on our Gift and Loyalty Card program.

Check Services:
Hundreds of thousands of merchants are plagued each day by bounced checks, unrecoverable merchandise and bank NSF fees.   United Bank Card recognizes this and in response has developed a large suite of Check Services for our ISOs and Agents to market nationwide.  Our products include basic Check Guarantee, Check Verification and Electronic Check Conversion which enables merchants to accept checks just like a credit card.   In addition to the check value itself being guaranteed against insufficient funds, the actual transaction itself is electronically processed and deposited into the merchants bank account of choice.  UBC guarantees to beat any merchants existing check services rates by 10%.  Along with helping our ISO's and Agents promote check services, we are also giving away FREE Check Readers to any merchant that signs up for the program.   Click here for complete details on our Check Services program.


Other Products and Services:
Our number one priority at United Bank Card is ensuring the success of our ISOs and the satisfaction of our merchants.  That is why we work every day to expand our product and service offerings. United Bank Card also supports a selection of other value-added services including Age Verification, Wright Express, Private Label Cards, Online Account Reporting (Interactive Merchant System), E-Commerce Gateways and Virtual Terminals. For a complete list of our Products and Services and further details please sign into to our Interactive ISO System. (www.interactiveiso.com)