About Unison Payment Solutions
Empowering businesses with transparent, reliable payment processing since day one.
Our Mission
At Unison Payment Solutions, we believe every business deserves access to fair, transparent payment processing. Too many merchants are stuck with hidden fees, poor service, and outdated technology. We're here to change that.
Whether you're a high-risk business that's been rejected elsewhere, a restaurant looking for better POS technology, or an eCommerce store wanting to reduce fees, we have solutions tailored to your needs.
What We Stand For
These principles guide everything we do at Unison Payment Solutions.
Transparency
No hidden fees, no surprise charges. We believe in clear, honest pricing that you can understand and trust.
Reliability
Your business depends on payment processing that works. We guarantee 99.9% uptime and rapid support response.
Innovation
From AI integrations to the latest POS technology, we bring cutting-edge solutions to businesses of all sizes.
Partnership
We're not just a vendor - we're your payment partner. Your success is our success.
What Makes Us Different
High-Risk Expertise
We specialize in industries that others reject. Peptides, CBD, gambling, and more - we have the underwriting relationships and expertise to get you approved and keep you processing.
Hardware Selection
We're not tied to a single hardware provider. From Clover to PAX to Aloha, we match you with the right equipment for your business type and budget.
True 0% Processing
Our cash discount program legally eliminates your processing fees. It's not a gimmick - thousands of merchants use it to save thousands every year.
Beyond Payments
We offer a complete suite of business services: AI customer service, social media marketing, chargeback protection, financing options, and more.
How Unison Payment Solutions Was Built — and Why It Matters
Unison Payment Solutions was founded on a simple observation: small and mid-sized businesses were being systematically overcharged by the payment processing industry. Hidden fees buried in confusing statements, long-term contracts with punishing early termination penalties, and customer support lines that led to automated menus instead of real people — these were the norms, not the exceptions. Business owners deserved better, and Unison was built to deliver it.
From the beginning, our approach has been consultative and transparent. When a prospective merchant contacts Unison, we start by analyzing their current processing statement — free of charge, with no obligation. We identify every fee they are paying, explain which fees are negotiable and which are not, and provide a clear comparison showing exactly how much they would save by switching to our interchange-plus pricing model. If we cannot meaningfully reduce their costs, we say so honestly. This straightforward approach has earned the trust of thousands of merchants across the United States, from single-location retail shops to multi-site restaurant groups to high-volume eCommerce operations.
One area where Unison particularly stands apart is our expertise in high-risk merchant services. Industries like CBD and hemp, nutraceuticals and supplements, peptides and research chemicals, online gambling and gaming, firearms, adult entertainment, and others face significant barriers to obtaining reliable payment processing. Traditional banks and mainstream aggregators like Square, Stripe, and PayPal routinely decline these businesses or abruptly freeze their accounts. Unison has developed deep relationships with acquiring banks that specialize in high-risk underwriting, enabling us to secure stable, long-term merchant accounts for businesses that have been turned away elsewhere. We understand the regulatory requirements, compliance documentation, and chargeback management strategies that high-risk merchants need to thrive.
Beyond pricing and high-risk expertise, Unison offers a complete ecosystem of business tools: state-of-the-art POS hardware from brands like Clover, PAX, Dejavoo, and more; a PayTrace-powered payment gateway for secure online transactions; cash discount and surcharge programs that can eliminate processing fees entirely; consumer financing through Affirm, Afterpay, and Klarna to increase average order value; chargeback prevention and dispute management to protect merchant accounts; CRM and invoicing tools to streamline operations; AI-powered phone answering and appointment booking to reduce overhead; and social media marketing services to drive customer acquisition. Every service is designed to integrate seamlessly and is backed by a dedicated account manager who knows your business by name.
We serve merchants nationwide across every industry — restaurants, retail, healthcare, professional services, fitness studios, contractors, auto repair shops, salons, bars, eCommerce, and many more. Whether you process $5,000 or $5 million per month, whether you are a low-risk retail shop or a high-risk online store, Unison provides the same standard of transparent pricing, reliable technology, and personal service. Our mission is simple: to be the last payment processor you ever need.
Enterprise-Grade Security for Every Merchant
Security is foundational to everything we do at Unison Payment Solutions. All transactions processed through our platform are protected by PCI-DSS Level 1 compliance — the highest security standard in the payment card industry. This means our infrastructure, processes, and technology meet the same rigorous standards used by the world's largest financial institutions. We employ end-to-end encryption (E2EE) to protect cardholder data from the moment a card is presented or entered until the transaction is fully settled. Our tokenization technology replaces sensitive card numbers with randomly generated tokens, so even if data were intercepted, it would be useless to attackers.
Our fraud prevention toolkit includes Address Verification Service (AVS), Card Verification Value (CVV) checks, velocity monitoring, IP geolocation filtering, device fingerprinting, and optional 3D Secure (Verified by Visa / Mastercard SecureCode) authentication for card-not-present transactions. For high-risk merchants, we layer additional protections including chargeback early warning systems (through Midigator), real-time transaction monitoring, and custom fraud rules tailored to each merchant's specific risk profile. These tools work together to maximize legitimate transaction approval rates while minimizing fraud losses and chargebacks.
A Complete Payment Processing Ecosystem
Unison Payment Solutions provides far more than credit card processing. We have built a comprehensive ecosystem of payment technology, business services, and merchant support tools that address every aspect of how modern businesses accept payments, manage operations, and grow revenue. Our goal is to be the single partner you need for everything payment-related — eliminating the complexity and cost of managing multiple vendors.
Our credit card processing uses interchange-plus pricing that passes the wholesale card network rates directly to you with a small, transparent markup. This is the most cost-effective pricing model for the vast majority of businesses and typically saves merchants 20 to 40 percent compared to flat-rate processors. For businesses that want to eliminate processing fees entirely, our cash discount program implements compliant dual pricing on your POS terminal.
Our POS hardware selection includes the most trusted brands in the industry — Clover, PAX Technology, Dejavoo, Aloha, Ingenico, and more — each professionally provisioned with your custom business settings before it ships. Our payment gateway provides secure online payment acceptance for eCommerce businesses, while our ACH processing service enables lower-cost bank transfer payments for recurring billing and B2B transactions.
Beyond core processing, we offer consumer financing integration with Affirm, Afterpay, and Klarna to increase your average order value; chargeback protection to prevent disputes and protect your merchant account; AI-powered automation for phone answering and appointment booking; invoicing and CRM tools for streamlined billing; and social media marketing services to drive customer acquisition. Every service integrates with your payment processing for a unified, efficient business operation.
Our Commitment to Every Business We Serve
At the core of Unison Payment Solutions is a commitment to treating every merchant as a partner, not a number. The payment processing industry has historically prioritized volume over relationships — signing merchants up with attractive introductory rates, then gradually increasing fees, adding hidden charges, and providing diminishing levels of support over time. Unison was built to be the antithesis of that model. We believe that the best way to grow our business is to make our merchants genuinely successful, and everything we do reflects that belief.
This merchant-first philosophy manifests in several concrete ways. First, our pricing is transparent and consistent. We use interchange-plus pricing that shows you exactly what you are paying at every level — the wholesale interchange rate set by the card networks, the assessment fee, and our markup. We do not use tiered pricing, bundled rates, or any other pricing structure that obscures the true cost of your processing. And we do not increase your rates after you sign up. The rate you agree to is the rate you pay — period.
Second, our contracts are month-to-month with no early termination fees. We believe that if we are providing genuine value, you will stay because you want to — not because you are contractually obligated. This accountability keeps us sharp and ensures that our team is constantly working to earn your business every month. If you ever find a better deal elsewhere, you are free to leave at any time without penalties.
Third, our support is human, dedicated, and proactive. Every merchant is assigned a dedicated account manager who knows your business, your industry, and your specific setup. When you call with a question or issue, your account manager picks up the phone — or calls you back within minutes. We do not route you through automated phone trees, overseas call centers, or chatbot conversations that never resolve your problem. This level of personal attention is increasingly rare in the payment processing industry, and our merchants consistently cite it as the number one reason they stay with Unison.
Finally, we proactively optimize your account over time. Our team regularly reviews your processing activity, identifies opportunities to reduce costs, recommends new services or features that could benefit your business, and ensures your equipment and software are up to date. Many of our merchants have been with us for years — not because they are locked in, but because we continue to deliver increasing value as their businesses grow and evolve.
Payment Processing for Every Industry and Business Type
Unison Payment Solutions has the depth and breadth of expertise to serve businesses in virtually any industry — from mainstream retail and hospitality to specialized high-risk verticals that most processors refuse to touch. Our team's experience spans thousands of merchants across dozens of industries, giving us the operational knowledge and banking relationships needed to design optimal processing solutions for any business model.
Our standard industry clients include restaurants, retail stores, barber shops, nail salons, bars and nightclubs, medical and dental practices, auto repair shops, contractors, gyms and fitness studios, and professional services firms. These businesses benefit from our interchange-plus pricing, industry-optimized POS hardware, and dedicated account management.
Our high-risk specialty includes CBD and cannabis, peptides and research chemicals, online gaming and gambling, dropshipping, eCommerce, nutraceuticals, supplements, firearms, adult entertainment, travel, subscription boxes, and other industries classified as elevated-risk by card networks and acquiring banks. We have the underwriting relationships, compliance knowledge, and chargeback management tools to provide these businesses with stable, long-term processing accounts.
No matter what industry you operate in, Unison's approach is the same: understand your business, design the optimal processing solution, implement it efficiently, and support you every day after that. To learn more about how we serve your specific industry, visit our industries page or contact us for a personalized consultation.
Ready to Transform Your Payment Processing?
Get a free consultation and discover how much you could save with Unison Payment Solutions. No obligation, no pressure.