Rates and fees are determined by what type of business you have. For example if you are a retail store your qualified rate is 1.75% to 1.79% plus $0.20 per transaction, if you are an internet business your rate is between 2.25% to 2.39% plus $0.25 per transaction. To see the monthly schedule of fees click on the links below.

A chargeback only occurs if the merchants customer has a reasonable dispute on poor results on an item or service purchased within 90-days sometimes as long as 180-days. Not all disputes are reasonable so we work hard to prevent this process from happening to our merchant clients.

Try to make sure each customer signs the credit card receipt or make sure that your company is set-up with "AVS" or "CVV2" to prevent fraud. Company policy's also help prevent chargebacks, for example no returns are acceptable beyond "such an such date". If you are a high risk for chargebacks have an attorney look over your company policy this could substanially reduce any if not all chargebacks from happening to your business.

Your business will have the ability to accept all major credit cards such as Visa, MasterCard, American Express, Discover, Diners Club, JCB, and other government cards. You'll also have the ability to accept debit cards, atm cards, EBT (Electronic Benefits Transfer), and checks.

This depends on the type of business, but most merchants are approved instantly and if you ordered pos equipment or software it might be up to 48-hours before you are up and processing with United Bank Card.

1. Complete Application



2. Copy of drivers license or state id of applicant.



3. Copy of business license, Retail, and/ or Tax Certificate



4. If you're switching from another processor send us at leasttwo or three of your most recent merchant statements.



5. If you are a store that accepts food stamps (EBT) we'll need a copy of your certificate with the FNS number otherwise referred to as your account number.



6. If you conduct most of your business online or key-enter 50% or more of your sales we'll need additional marketing material such as a flyer, business card, advertisement, and/ or a phone listing.

We ask all of this information for your protection, we want to make sure that you are a real person and not someone else trying to use your information. It is also for the card holders protection as well.