UBC

What UBC does

UBC (UBC Payment Solutions, Inc.) is a privately held merchant services provider headquartered in Princeton, New Jersey, that specializes in payment processing and acceptance services for small and medium-sized businesses. The company serves over 110,000 merchant locations nationwide and processes more than $9 billion in payments annually. UBC differentiates itself by serving high-risk industries—including CBD/cannabis, adult entertainment, firearms, travel agencies, financial services, debt collection, credit repair, and telemarketing—that have been declined or closed by traditional banks and mainstream processors such as PayPal, Square, First Data, and Stripe. Its product portfolio spans credit card terminals (Verifone, Ingenico), retail and restaurant POS systems, integrated cash registers (via Casio), mobile payment applications, wireless terminals, check readers and guarantee programs, ATM placement, gift/loyalty cards, and business cash advances.

The company's technology infrastructure is built on partnerships with established payment gateways—Authorize.Net, NMI, and USAePay—for card-not-present and e-commerce transactions, alongside proprietary integrations with Verifone, Ingenico, and Casio hardware. UBC's high-risk processing infrastructure is supported by relationships with multiple domestic and international underwriting banks, enabling it to absorb chargebacks and serve merchants that fail underwriting at mainstream processors. The product ecosystem integrates with QuickBooks, Microsoft Office, Shopify, WooCommerce, Volusion, and 3DCart, with PCI PED-compliant devices and SSL-secured processing.

UBC's business model is anchored in transaction-based take-rate pricing, charging merchants a percentage fee on processed credit card transactions (with swiped rates starting at 0.049%), supplemented by ATM surcharges ($0.25–$0.50 per transaction), virtual terminal and gateway fees, and business cash advance arrangements ($3,500–$1,000,000). The company distributes through three primary channels: a direct sales force of personal account representatives, an Agent/ISO Program that recruits independent sales agents on commission, and online self-service applications. The go-to-market emphasizes no application/setup/cancellation fees, free equipment, 3-hour approvals, and next-day funding as competitive wedges, with the high-risk vertical serving as both an acquisition channel for denied merchants and a specialized revenue stream.

Name

UBC

Legal name

UBC Payment Solutions, Inc.

Website

https://ubcbankcard.com

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

UBC is a private merchant services provider offering credit card processing, POS systems, mobile payments, ATM placement, and high-risk merchant account solutions. The Princeton-based company serves over 110,000 SMB merchants across retail, restaurant, eCommerce, and high-risk industries.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Merchant services
• Payment processing
• Credit card processing
• High risk merchants
• POS systems

Headquarters

HQ city

Princeton

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Processing Fees: UBC charges merchants a percentage fee on each credit card transaction processed. Swiped rates are advertised starting at 0.049%, with higher rates typically applied to card-not-present transactions. This is the primary revenue stream.
2. Gateway and Virtual Terminal Services: Fees for providing payment gateway integration, virtual terminal access, and e-commerce processing solutions for online merchants.
3. ATM Transaction Surcharges: Merchants hosting UBC ATMs earn surcharge fees on each transaction (typically $0.25-$0.50 per transaction), while UBC generates revenue from the overall ATM placement program.
4. Business Cash Advance: UBC provides working capital advances against future Visa/MasterCard receivables, ranging from $3,500 to $1,000,000. Revenue is generated from the advance arrangement.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

UBC provides payment processing and merchant account services for businesses, including credit and debit card processing, POS systems, mobile payment applications, check guarantee, ATM placement, and gift/loyalty card programs. The company specializes in serving high-risk industries (adult entertainment, CBD, firearms, travel, debt collection, etc.) that have been denied by traditional banks and processors. Equipment is provided free with merchant account sign-up, and the company maintains relationships with multiple underwriting banks to handle declined merchants.

Product overview

UBC (UBC Payment Solutions, Inc.) is a merchant services provider offering a comprehensive payment processing ecosystem. The core offering centers on credit card terminal services and Point of Sale systems (retail and restaurant POS), supplemented by mobile payment applications, wireless terminals, integrated cash registers, check processing, ATM machines, and gift/loyalty card programs. The company specializes in high-risk merchant accounts for industries rejected by traditional banks. Products are provided free with merchant accounts and include the Verifone/Ingenico terminals, Casio cash registers, ViVOpay contactless readers, and Nurit wireless terminals. E-commerce solutions utilize Authorize.Net, NMI, and USAePay virtual terminals. The portfolio is delivered as a unified merchant services offering rather than discrete modular products.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing Terminals Verifone Vx 510 and Ingenico credit card terminals that accept credit cards, debit cards, EBT, gift cards, and ATM transactions. Provided free with merchant account sign-up.
• Restaurant POS System Point of Sale system with hospitality software tailored for restaurants, including table tracking, graphical table map, customized menus, tip management, and server management features.
• Retail POS System Point of Sale system with retail software for inventory management, multiple pricing structures, electronic payment integration, best-selling item identification, and employee productivity monitoring. Integrates with QuickBooks and Microsoft Office.
• Mobile Payment Application Mobile payment processing application compatible with iPhone, Android, and BlackBerry devices. Enables credit card swiping and receipt printing via peripheral devices.
• eCommerce Merchant Accounts Internet merchant account solutions enabling online stores to accept credit cards, including Authorize.Net integration, virtual terminals, SSL encryption, firewall, and password protection.
• High Risk Merchant Account Solutions Specialized processing solutions for high-risk merchants in adult entertainment, CBD/cannabis, firearms, travel agencies, financial services, debt collection, credit repair, and other industries rejected by traditional banks. Includes domestic and international offshore account options.
• Business Cash Advance Working capital funding ranging from $3,500 to $1,000,000 advanced against future Visa/MasterCard receivables. Not a loan product; provides cash flow solutions against future card receivables.
• ATM Machines Automated teller machines for merchant locations, including Mini-Bank ATM leasing option with 100% surcharge fee earnings and free ATM placement for qualified merchants.
• Virtual Terminal Online virtual terminal for processing card-not-present transactions via Authorize.Net, NMI, or USAePay gateways. No additional software required; accessed via Internet browser.
• ACH Processing ACH processing and check drafting services for high-risk merchants to accept electronic check payments.
• High Risk ECheck Processing Electronic check processing program for high-risk merchants enabling check acceptance over phone or website with guarantee service and 24-hour reimbursement for bounced checks.
• Gift and Loyalty Cards Electronic gift and loyalty card program with a free 25-card starter package, including pre-designed and custom card options with card sleeves, envelopes, and display materials.

Quantifiable outcome

• Over 110,000 merchants served nationwide
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• CasiocoreTechnology or IntegrationUBC has partnered with Casio to introduce the first electronic cash register with integrated credit card processing. This exclusive technology eliminates the need for a separate credit card terminal at business locations, combining POS and payment processing in one device. The partnership provides Casio TE 1500 for retail and Casio TK 1550 for restaurant environments.
• VerifonecoreTechnology or IntegrationUBC provides Verifone terminals (Vx 510, Ingenico) as free equipment with merchant accounts. These terminals arrive preprogrammed and automatically connect to UBC's processing network within 48 hours of account approval.
• IngenicocoreTechnology or IntegrationUBC provides Ingenico terminals and check readers (eN Check 2500) as free equipment with merchant accounts. The eN Check 2500 is described as the most widely used check reader globally.
• Authorize.NetcoreTechnology or IntegrationUBC supports Authorize.Net as a payment gateway option for e-commerce merchants to process credit card transactions through their online stores.
• NMI (Network Merchants Inc.)supportingTechnology or IntegrationUBC supports NMI virtual terminal for merchants to process transactions via internet browser without additional software installation.
• USAePaysupportingTechnology or IntegrationUBC supports USAePay virtual terminal as an alternative for merchants to accept credit card payments online.
• ShopifysupportingTechnology or IntegrationUBC works with Shopify for CBD and high-risk merchant solutions, providing payment processing integration for Shopify e-commerce stores.
• WooCommercesupportingTechnology or IntegrationUBC provides payment processing solutions compatible with WooCommerce WordPress e-commerce platform for high-risk merchants.
• VolusionsupportingTechnology or IntegrationUBC integrates with Volusion e-commerce platform to provide payment gateway services for high-risk merchants.
• 3DCartsupportingTechnology or IntegrationUBC provides payment processing for 3DCart merchants, particularly for high-risk industry businesses.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PaymentCloud: PaymentCloud is a high-risk merchant account specialist that, like UBC, onboards adult, CBD, firearms, and nutraceutical merchants rejected by mainstream processors. Both companies compete head-to-head for the same ISO/agent distribution channel and the same high-risk merchant segments.
• Durango Merchant Services: Durango is a high-risk ISO that offers credit card processing, ACH, and cash advance products to merchants in verticals such as adult, CBD, travel, and telemarketing. It competes directly with UBC on price, underwriting flexibility, and ISO residual programs.
• Host Merchant Services: Host Merchant Services is a SMB-focused payment processor offering interchange-plus pricing, virtual terminals, and POS integrations. While less concentrated in high-risk than UBC, it competes for the same retail, restaurant, and e-commerce SMB merchant and competes on the same ISO/agent channel.
• National Processing: National Processing is a merchant services provider serving SMBs across retail, restaurant, and e-commerce with credit card processing, POS, and cash advance products. It is directly comparable to UBC on product breadth, SMB target market, and reliance on ISO/agent distribution.
• Easy Pay Direct: Easy Pay Direct specializes in high-risk and hard-to-place merchant accounts across verticals such as supplements, CBD, firearms, and online services, mirroring UBC's high-risk franchise. It competes on underwriting, gateway integrations, and ISO residual economics.

Broad incumbents

• Square (Block): Square, part of Block, is a large incumbent SMB payments and POS provider offering card-present and card-not-present processing, hardware, software, and capital products. It competes with UBC across UBC's mainstream retail, restaurant, and mobile segments, though it largely avoids the high-risk verticals where UBC specializes.
• Stripe: Stripe is a dominant online payment processor serving internet-first merchants of all sizes, with extensive developer tools, gateway, and fraud products. It competes with UBC for e-commerce merchants and has been steadily expanding into terminal and POS hardware (Stripe Terminal), making it a broad incumbent encroaching on UBC's territory.
• PayPal: PayPal operates PayPal Checkout, Braintree, Venmo, and Zettle for SMB and enterprise merchants, providing card-not-present processing, gateways, and hardware. It is a broad incumbent competing with UBC for the same SMB and e-commerce merchant base, particularly in card-not-present scenarios.
• Fiserv: Fiserv is a large incumbent payment processor and merchant acquirer (Clover, First Data) serving SMBs through bank and ISO distribution. It is comparable to UBC as a broader-scale acquirer with which UBC and its ISOs directly compete for the same SMB merchant.

Emerging players

• Stax (formerly Fattmerchant): Stax is a subscription-based payment processor targeting SMBs with interchange-plus pricing, POS integrations, and capital products. It overlaps with UBC in the SMB and e-commerce segments and represents a modern fintech-style competitor pushing against traditional ISO-led merchant services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 UBC