Company Overview

Industry Leading Payment Processor


United Merchant Services, Inc. (UMS) is a New Jersey-based, comprehensive payment processing company servicing merchants nationwide. Headquartered in Hackensack, NJ, just minutes away from the heart of Manhattan, UMS uses its resources to provide world-class products and services to its merchants. Our continuous development of innovative payment products & services, and our commitment to excellent customer service has lead us to become one of the top private payment processors in the nation.

UMS understands today’s business environment demands streamlined efficiency, mobility, and profitability. UMS is committed to providing cutting edge solutions through our U PAY™ series of mobile and online payment solutions, and Windows® and Android™ based Point-of-Sale solutions from UP Solutions® ( to help businesses reach their full potential. All products seamlessly integrate into your current business environments.

With offices and sales representatives located throughout the United States, we are ready to help you find solutions best suited to your needs. So whether you are an individual store owner or a retailer with stores across the nation, UMS is ready to provide you solutions for all your payment processing needs.

UMS Timeline


• United Merchant Services founded


• Launch of FlexGift®, proprietary gift card & loyalty program


• Opens California Branch Office – Los Angeles


• Launch of UP Salon®, integrated POS solution for personal care vertical


• HQ relocates in Hackensack, NJ


• United POS Solution, “UP Solution” founded
• United Merchant Services acquires PCI‐DSS certification


• Launch of UP Restaurant®, integrated POS solution for hospitality vertical


• Industry’s first ECC integration with Casio Cash Registers
• UP Solution Korea Founded, later renamed “ImU”, UP Solution’s R&D center in Seoul Korea


• Launch of UMS proprietary payment gateway, U Pipe™ and U Charge®
• Launch of UP Retail®, integrated POS solution for retail verticals
• Launch of U PAYm™, proprietary mobile payment solution
• Acquires PA‐DSS certification for UP Restaurant®, UP Salon®, and U Charge®


• U Charge® gateway and payment module certification with Global Payments and FDMS platforms
• Implementation of full disaster recovery facilitiess


• Opens Georgia Branch Office - Atlanta
• Secures Goldman Sachs Credit Facility with Goldman Sachs Specialty Lending Group


• Launch of UP TAB™ Restaurant, Salon and Android-based tablet POS solutions
• Launches U PAYe™, U PAYr™, U PAYv™
• Signs new BIN Sponsorship Agreement with Merrick Bank
• UP Solution launch of line of proprietary POS: UP TAB™ Android POS and UP-5800


• UP Solution launch of proprietary Android-based POS hardware: UP TAB™ AiO and UP TAB™5850
• U Charge® gateway and payment module recertification on the TSYS platform
• Completed EMV certifications with Global Payments, FDMS, and TSYS


• Launch of epipay™, online ordering system for restaurants, and epiday™ , online appointment management system for personal care businesses
• Launch of proprietary delivery app for UP Restaurant® and UP TAB™ Restaurant