Frequently Asked Questions

We’d love answer any questions or concerns you may have about our products and services. Please select the a subject below that best represents your question. If you do not see your questions addressed below, please email [email protected]

General Questions

Why do I need merchant services?

The processing company (UMS) is the intermediary between the card brands (Visa, MasterCard, Discover, AMEX, etc) and the businesses, such as yourself.

As you are already aware, the interchange fees you are charged each month are from the card brands, not the processors. Since the card brands’ transferring of funds can take more than 7 business days, this is not viable for businesses who need the funds sooner, like next day funding (NDF). Simply put, as processors, we essentially front the funds before the card brands pay out.

With the interchange program, we are being transparent on what the card brands are charging us (all processors get the same rates), and our profit is in the basepoint and transaction fees.

How fast can I get my business approved?

In most cases, within 24 hours. For your convenience, we can rush the installation, if need be, on the same day of approval.

What kind of support can I get when I sign up with United Merchant Services?

You may call our HQ hotline (1-800-260-3388) for general assistance, but for your convenience, we recommend you reach out to our branch office (909-860-4200) for the quickest support. Our normal office business hours are from 9AM-5PM PST. Any calls outside of those hours, you will be routed to our HQ support line, available 24/7 + 365 days.

What is EMV and how does it affect me?

EMV stands for Europay, MasterCard, Visa. It is the global standard for chip-based Debit and Credit Card transactions. It is a joint effort between Europay, MasterCard and Visa to ensure security and global acceptance so that MasterCard and Visa Cards can continue to be used everywhere. The biggest benefit of EMV is the reduction in card-present card fraud resulting from counterfeit, lost and stolen cards. EMV also provides interoperability with the global payments infrastructure – consumers with EMV chip payment cards can use their card on any EMV-compatible payment terminal.

What is PCI Compliance?

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store or transmit credit card information maintain a secure environment. Please read the linked FAQ for more information:

Why is my business considered high risk?

Risk is determined by several factors including industry type, average transaction amount, the financial health of the business, etc.

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