Your Complete Payment Partner
Comprehensive Merchant Services for Small & Large Businesses
From retail checkout to high-risk processing, we provide merchant accounts, POS systems, payment gateways, and the support you need to accept payments and grow your business.
The Right Account for Your Business Model
Different businesses need different payment solutions. We match you with the merchant account type that fits your operations and optimizes your costs.
Merchant Services Customized for Your Industry
Every industry has unique payment challenges. We provide specialized solutions with features, pricing, and support tailored to your specific business type.
Retail & Hospitality
High-Risk Industries
eCommerce & Digital
Health & Fitness
ATM & Cash Services
Complete Merchant Services Suite
Payment processing is just the start. We provide the full toolkit to run your business efficiently.
Cash Discount Program
Eliminate 100% of processing fees. Legal and compliant in all 50 states.
Chargeback Protection
Early alerts, dispute management, and prevention tools to protect your account.
AI Integrations
AI phone answering, automated booking, and smart business automation.
Consumer Financing
Let customers pay over time. Increase average order value and close more sales.
Invoicing & CRM
Send invoices, track payments, and manage customer relationships in one place.
POS Hardware
Clover, PAX, Dejavoo, and more. Free equipment programs available.
Common Questions About Merchant Accounts
What are merchant services?
Merchant services is the umbrella term for all the tools, technology, and support businesses need to accept card payments. This includes payment processing, POS systems, payment gateways, fraud protection, and reporting tools. A merchant services provider like Unison Payment bundles these together so you have one partner for all payment needs.
How do I choose the right merchant account?
The best merchant account depends on your business type, processing volume, and where you accept payments. Retail businesses need card-present accounts with POS integration. Online stores need payment gateways. High-risk industries need specialized underwriting. We analyze your business and recommend the optimal setup.
What's the difference between a merchant account and a payment processor?
A merchant account is a bank account that holds funds from card transactions. A payment processor is the technology that routes transactions between customers, banks, and card networks. You need both to accept cards. Most providers (including us) bundle them together as a complete solution.
Can small businesses get merchant accounts?
Absolutely. We work with businesses of all sizes, from startups processing a few thousand per month to enterprises processing millions. Small businesses often benefit most from our services—we provide the same technology and support that large businesses get, but with pricing and terms appropriate for smaller volumes.
What industries do you consider high-risk?
High-risk industries include CBD/cannabis, nutraceuticals, peptides, gambling/gaming, adult entertainment, travel, firearms, and others with higher chargeback rates or regulatory complexity. If you've been declined by traditional processors, you're likely high-risk. We specialize in these industries and have banking relationships specifically for them.
How quickly can I get a merchant account?
Standard businesses are typically approved within 24-48 hours. High-risk industries require additional underwriting and may take 3-7 business days. Once approved, equipment ships same-day and you can start processing immediately upon receipt.
Ready to Get Started?
Get a free consultation and custom quote. We'll analyze your current processing and show you exactly how much you can save.