Merchant Processing Account

To ensure that our merchants process their card payments at the most favorable rates, at UniBul Merchant Services we use the interchange plus pricing structure. With this model, your processing cost for each individual transaction is calculated based directly on the particular interchange rate at which it has been settled by Visa or MasterCard. Each Credit Card Association uses more than fifty different interchange rates for processing all of the numerous credit and debit card types that their members issue. For a detailed overview of how it works, review our Interchange Plus Pricing Guide. Listed in the table below are our rates for the most widely used domestic consumer cards.

Our Rates and Fees for U.S. Organizations

    Card payment services application fee $0
    Merchant processing account set-up fee $0
    Equipment set-up or reprogramming fee $0
    Visa / MasterCard discount rate 2.15% – Internet-based services, 1.65% – physical stores
    Visa / MasterCard per-transaction fee $0.25 – Internet-based services, $0.20 – physical stores
    Payment gateway monthly fee $9.95 – eCommerce and MO / TO accounts
    Monthly statement fee $9.95 – All merchant accounts

To request a free, no-commitment-involved review of your current rates, please provide your latest merchant processing account statement. One of our service managers will examine it and email you a comparison table where every single charge is listed separately and our respective rates are shown for you to compare. If you are not currently accepting cards, request our proposal now and we will be happy to help you get started with your payment acceptance service. We may show you additional payment solutions that we believe will benefit your organization. There are many advantages that our payment accounts provide:

  • No teaser rates, no hidden fees – all charges are fully disclosed in our pricing agreement
  • Support for Visa, MasterCard, Discover, American Express and the major foreign payment cards
  • Wide range of third party payment services to accommodate customers who cannot use cards
  • Access to your money in as little as 24 hours through daily ACH deposits into your bank account
  • Smart authorizations to help screen transactions
  • Robust chargeback management capabilities
  • Manage exception items, review transaction reports and much more from your browser with our client center
  • 24 / 7 US-based customer service center


Request our payment processing proposal

Merchant Processing Account