Payment Processing & Merchant Services

Unison Payment Solutions is a full-service payment processing company that helps businesses accept credit cards, debit cards, and digital payments at lower rates with better support. We serve merchants across all 50 states, from single-location retail shops and restaurants to multi-site enterprises and high-risk industries like CBD, peptides, gaming, and dropshipping. Our mission is simple: provide transparent pricing, reliable technology, and dedicated service that helps your business grow.

Unlike flat-rate processors like Square, Stripe, and PayPal — which charge a fixed percentage on every transaction — Unison uses interchange-plus pricing that passes the wholesale card network rates directly to you with a small, visible markup. This pricing model saves the average business 20 to 30 percent on processing costs compared to bundled pricing. We also offer cash discount and dual-pricing programs that can eliminate your processing fees entirely while remaining compliant with card network regulations.

Our hardware lineup includes the most trusted brands in the POS industry: Clover, PAX Technology, Dejavoo, Ingenico, and more. Whether you need a simple countertop card terminal, a full restaurant POS system with kitchen display integration, or a mobile card reader for on-the-go payments, we have the right solution for your business. Every device comes pre-configured and ready to process, with free setup and training included.

What truly sets Unison apart is our approach to customer service. Every merchant is assigned a dedicated account manager who understands your business, monitors your account, and is available when you need help. We do not route you through call centers or chatbots. When you call Unison, a real person who knows your business picks up the phone and resolves your issue — usually on the first call. This level of support, combined with transparent pricing and reliable technology, is why thousands of businesses trust Unison Payment Solutions to handle their payment processing.

Payment processing fees are one of the most significant operating expenses for any business that accepts credit cards, yet most merchants do not fully understand what they are paying or why. The payment processing industry has historically profited from this lack of transparency, using tiered pricing models, bundled rates, and vague fee descriptions that make it nearly impossible to determine whether you are getting a fair deal. Unison Payment Solutions was founded on the principle that merchants deserve to know exactly what they are paying for every transaction — and that transparent pricing leads to better business outcomes.

Every credit card transaction involves three layers of fees: the interchange fee (set by Visa, Mastercard, and other card networks and paid to the card-issuing bank), the assessment fee (charged by the card network itself), and the processor markup (what your payment processing company charges for facilitating the transaction). The interchange and assessment fees are identical regardless of which processor you use — they are set by the card networks and are non-negotiable. The processor markup is the only component that varies between providers, and it is the only fee that is truly negotiable.

Unison uses interchange-plus pricing, which separates these three components on your statement so you can see exactly what you are paying at each level. Flat-rate processors like Square (2.6% + 10¢) and Stripe (2.9% + 30¢) bundle everything into a single rate — which means you overpay significantly on debit card transactions (where actual interchange is often 0.05% + 22¢) and PIN-based transactions. For a business processing $30,000 per month, the difference between flat-rate and interchange-plus pricing often exceeds $200 per month — or $2,400+ per year.

To see how much your business could save with Unison's transparent pricing, use our savings calculator for an instant estimate or request a free statement review for a detailed, line-by-line analysis of your current processing costs. We believe that when you see the numbers, the decision to switch to Unison will be obvious.

A merchant account is a specialized bank account that enables your business to accept credit card and debit card payments from customers. Unlike a standard business checking account, a merchant account acts as an intermediary that holds funds from card transactions before they are deposited into your bank account — typically within one to two business days. Understanding the different types of merchant accounts available and which one best fits your business model is an essential first step toward optimizing your payment processing costs and performance.

Retail merchant accounts are designed for brick-and-mortar businesses where the majority of transactions occur in person with the cardholder present. These accounts benefit from the lowest interchange rates because card-present transactions carry less fraud risk than online or phone orders. Retail merchant accounts work with countertop POS terminals like the Clover Station, PAX A920, or Dejavoo Z11, and are ideal for restaurants, shops, salons, medical offices, and service businesses that accept payment at the point of sale.

eCommerce merchant accounts are built for businesses that sell products or services online and need to accept card-not-present transactions through a payment gateway. These accounts integrate with shopping platforms like Shopify, WooCommerce, BigCommerce, and Magento, and include fraud prevention tools such as AVS verification, CVV matching, 3D Secure authentication, and velocity controls. While card-not-present interchange rates are slightly higher than in-person rates, Unison's interchange-plus pricing still delivers significant savings compared to the flat fees charged by Stripe, PayPal, or Shopify Payments.

High-risk merchant accounts are specialized accounts for businesses in industries that traditional processors consider too risky to serve. This includes CBD and cannabis, peptides and research chemicals, online gaming and gambling, nutraceuticals, firearms, adult content, debt collection, travel, and subscription-based businesses with high chargeback potential. Unison's high-risk merchant account program leverages relationships with acquiring banks that specialize in high-risk underwriting, resulting in higher approval rates and more stable long-term processing for businesses that have been declined or terminated elsewhere.

Mobile merchant accounts support businesses that need to accept payments on the go — contractors, delivery services, event vendors, mobile service providers, and sales teams working in the field. With portable devices like the Clover Go and PAX A920, your business can accept chip, tap, and swipe payments anywhere you have a cellular or Wi-Fi connection. Transactions process in real time with the same security protections and competitive pricing as fixed-location terminals.