United Merchant Services

What United Merchant Services does

United Merchant Services, operating commercially as Bluu, Inc. and marketed under the bluu\u2122 brand, is a New Jersey-based (Hackensack) payment processing and point-of-sale solutions provider founded in 1994. The firm is a registered ISO/MSP of Merrick Bank, South Jordan, UT, which underwrites its nationwide card payment processing services to merchants in the United States. Its go-to-market targets small and mid-sized businesses across four verticals \u2014 restaurants, retail, salons, and dry cleaners \u2014 with a vertically integrated stack of proprietary hardware (Station 630/500/400 series, Point, Point+, Kiosk variants, and Edge devices) and software modules including epipay\u00ae online ordering, bluu\u2122 Order and Queue, epiway\u2122 delivery, epiday\u2122 online appointments, a gift and loyalty solution, and cloud services.\n\nRevenue is generated through a mix of payment transaction fees (the core ISO/MSP stream), POS hardware sales, and recurring SaaS/feature subscriptions. Pricing is opaque and quote-based, with merchants acquired either directly through website CTAs ('Free Quote', 'Merchant Inquiry') or indirectly via a 'Partners With Us' reseller/agent program supported by dedicated Agent and Merchant portals. Distribution is multi-channel, combining content marketing (ebluu.com), organic social (Facebook, Instagram, LinkedIn, YouTube), industry trade shows (notably NRA), and direct sales.\n\nThe company is small \u2014 listed at 1\u201310 employees \u2014 and privately held with no disclosed funding rounds, no parent company, and no institutional investors in the source data. Leadership disclosed is Anya Lopez, CEO & Founder. The website is available in English, Chinese, and Korean, indicating outreach to multilingual merchant communities in the US market. No certifications, regulatory actions, M&A activity, or AI/ML capabilities are documented in the supplied material.

Name

United Merchant Services

Legal name

Bluu, Inc.

Website

https://unitedmerchant.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

United Merchant Services (operating as Bluu, Inc. / bluu\u2122) is a Hackensack, NJ-based registered ISO/MSP of Merrick Bank providing payment processing, proprietary POS hardware, and integrated software modules to SMB merchants across US restaurant, retail, salon, and dry cleaner verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Services

akta.pro primary industry

POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

akta.pro secondary industries

Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• Payment processing services
• Point of sale systems
• Merchant services
• POS hardware solutions
• Card acceptance solutions

Headquarters

HQ city

Hackensack

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Payment Processing Services: Transaction-based payment processing fees charged to merchants for card transactions. BLUU is a registered ISO/MSP of Merrick Bank, enabling them to provide payment processing services.
2. POS Hardware Sales: Sale of POS hardware including Station series, Point terminals, Kiosks, and Edge devices to merchants.
3. Software/SaaS Services: Cloud services and software platform fees for POS management, online ordering, appointment booking, and loyalty solutions.
4. Value-Added Services: Additional revenue from online ordering, delivery management, appointment booking, and gift/loyalty programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

United Merchant Services (operating as bluu™, Bluu, Inc.) is a New Jersey-based payment processing and point-of-sale (POS) solutions provider serving merchants nationwide. The company offers a bundled platform combining card payment processing, proprietary POS hardware (Station series, Point/Point+, Kiosk, Edge devices), cloud-based POS software, online ordering (epipay), appointment booking (epiday), delivery management (epiway), queue management (bluu Queue), and gift/loyalty programs. It operates as a registered ISO/MSP of Merrick Bank, enabling it to underwrite merchant payment processing nationwide.

Product overview

bluu™ is a comprehensive payment processing and POS solutions provider offering a platform-plus-modules architecture. The core offering consists of hardware products including the Station series (630, 500, 400), Point, Point+, Kiosk (standard, KH2700, KH3210), and Edge devices for point-of-sale payment processing. Value-added software modules include epipay® and epipay® smarter for online ordering, bluu™ Order and bluu™ Queue for restaurant/retail operations, epiway™ for delivery management, epiday™ for appointment booking, and a Gift & Loyalty Solution. The company serves restaurants, retail, salons, and dry cleaners with end-to-end payment processing, POS hardware and software, online ordering, appointment booking, gift card, and loyalty program solutions. bluu is a registered ISO/MSP of Merrick Bank.

Differentiator

Problem solved

Functional benefit

Brands

• bluu™ Station 630 Series: POS hardware station
• bluu™ Station 500 Series
• bluu™ Station 400 Series
• bluu™ Point
• bluu™ Point+
• bluu™ Kiosk
• bluu™ Kiosk KH2700
• bluu™ Kiosk KH3210
• bluu™ Edge
• bluu™ Tab Order
• bluu™ Order
• bluu™ Queue
• epipay®
• epipay® smarter
• epiway™
• epiday™

Products and services

• Payment Processing Services Underwritten card acceptance and transaction processing for merchants nationwide, provided through bluu's ISO/MSP relationship with Merrick Bank; the foundational service around which hardware, software, and value-added modules are bundled.
• bluu™ Station POS Terminals (630, 500, 400 Series) Proprietary point-of-sale terminal hardware in multiple tiers (630, 500, 400 Series) for processing payments and managing transactions at the point of sale, sold to merchants across the company's target verticals.
• bluu™ Point and Point+ Terminals Compact POS terminals (Point and the enhanced Point+) for countertop and portable payment acceptance at small and mid-sized merchant locations.
• bluu™ Kiosk (Standard, KH2700, KH3210) Self-service kiosk terminals (including 21-inch, KH2700, and KH3210 models) for customer self-ordering and payments in restaurants, retail, and other SMB environments.
• bluu™ Edge Edge computing POS device for distributed payment acceptance, designed to extend payment capability across locations or environments that require decentralized terminals.
• Cloud Services Cloud-based services for managing the bluu POS estate, including remote device management, reporting, and operational tooling for merchants.
• epipay® Online Ordering epipay® online ordering solution (with epipay® smarter enhanced variant) enabling restaurants and retail merchants to accept digital orders through their own channels.
• epiday™ Online Appointments epiday™ online appointment booking solution for service businesses (e.g., salons) to schedule services and manage bookings alongside payment processing.
• epiway™ Delivery epiway™ delivery management solution for coordinating delivery orders and last-mile logistics as part of the merchant's integrated POS stack.
• Gift & Loyalty Solution Gift card and customer loyalty program management solution, allowing merchants to issue digital gift cards and run loyalty programs on top of the bluu platform.
• Partner Program (Partners With Us) Channel partner program enabling independent agents and resellers to sell bluu's payment processing, hardware, and software to merchants, supported by an Agent Portal for partner management and merchant onboarding.

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature12 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• North American Bancard: North American Bancard is a registered ISO/MSP providing payment processing, POS solutions, and partner/agent programs to SMB merchants. Closest structural analog to Bluu's ISO/MSP model with similar channel-based merchant acquisition.
• Heartland Payment Systems (Global Payments): Heartland is an established SMB-focused payment processor and POS provider acquired by Global Payments. Comparable ISO-style merchant acquiring business targeting restaurants and retail with bundled software and hardware.
• Revel Systems: Revel Systems offers iPad-based POS with integrated payment processing for restaurants, retail, and salons. Comparable SMB-focused integrated POS + payments stack with overlapping target verticals to Bluu.
• Toast: Toast is a leading restaurant-specialized POS and payment processing platform with hardware stations, online ordering, and loyalty modules. Directly competes with Bluu in the restaurant vertical with overlapping hardware and software features.
• SpotOn: SpotOn delivers payment processing, POS hardware, online ordering, and loyalty solutions to restaurants and retail SMBs. Comparable SMB-focused bundled offering with an ISO/sales-partner distribution model similar to Bluu.
• Clover (Fiserv): Clover provides POS hardware (Station, Flex, Mini) and an app marketplace for SMB merchants across restaurants, retail, and service businesses. Comparable integrated hardware-plus-software-plus-payments model distributed via ISO/reseller channels similar to Bluu's partner program.
• Block (Square): Block's Square offers integrated payment processing, POS hardware (Square Terminal, Register), and software add-ons for restaurants, retail, and salons. Directly comparable SMB-focused, full-stack payment + POS offering to Bluu.
• Lightspeed Commerce: Lightspeed provides cloud POS and payments for retail, restaurant, and golf verticals with integrated hardware and software. Comparable to Bluu's retail/restaurant POS+payments bundle, though Lightspeed operates at a larger scale with public-company resources.

Broad incumbents

• Global Payments: Global Payments is a large public payments and software provider owning Heartland, Genius, and multiple acquiring platforms. Operates broadly across merchant acquiring and POS-adjacent software, overlapping Bluu's end-to-end positioning though at vastly greater scale.

Emerging players

• Stripe (Stripe Terminal): Stripe's Terminal product extends its online payment leadership into card-present POS with its own hardware reader and integrations. Comparable payment-processing-plus-POS-hardware combination, primarily competing where merchants want a unified online+in-person stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC_5FNPLDSkA61LcY2B8wUvw/about
• Facebookfacebook.com/bluusolutions
• LinkedInlinkedin.com/company/united-merchant-services-inc-
• Instagraminstagram.com/bluu_solutions/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Merchant Services