Merchant Services

Services: Merchant Services

From check processing to branded gift cards and international payment processing, UTC and its Partner, First Data, brings you solutions that build loyalty, attract repeat business, create process efficiencies and satisfy your customers with convenient and safe purchases.

 

Expand Customer Payment Options

Give your customers more ways to pay with UTC solutions including store branded credit cards, PIN-secured debit from STAR, and dynamic currency conversion solutions, which make it possible for customers to pay in their native currency.

 

Generate New Revenue

Boost your bottom line and attract new customers with turnkey ATM services, including equipment installation and maintenance, transaction processing and reporting, and network participation and sponsorship

 

Increase Repeat Business

Encourage customer loyalty and higher ticket sizes with pre-paid, branded gift cards from UTC.

Reduce Fraud Risk

Limit losses and enhance your peace of mind with UTC check verification services, as well as fraud and risk management programs.

  • Check Verification and warranty programs
  • Fraud/Risk Management Services

 

Reduce Operating Costs

Lower your cost of doing business and ease administrative burdens by disbursing wages via Money Network or Western Union payroll card programs from UTC. Implement various tools and strategies to reduce the cost of accepting checks at the point of sale.

  • Payroll Card
  • Collection Services
  • Customer Contact Solutions
  • Customer Correspondence
  • Data Center Services
  • Check and Remittance Processing

 

Credit Card Acceptance

Credit cards rank highly as a preferred customer payment option, making your ability to offer the most effective and efficient credit acceptance and processing services critical to your competitive edge. An electronic payments leader, UTC brings your business all-in-one credit card acceptance services that reduce wait times, improve accuracy, reduce risk, give your customers the speedy service they expect and provide your business the efficient processes you need.

Our private-label retail card makes issuing credit cards easy, reliable and profitable, keeping your business brand top-of-mind. Best of all, by bundling all your credit card solutions from one trusted source you can streamline and simplify back-office functions.

Authorization
Time is money – and a key component of customer satisfaction. Count on UTC for fast, reliable card authorization services. Our two-to-three second authorizations simplify payment acceptance and speed throughput at the counter or tableside. By boosting customer convenience, you stay competitive while building customer loyalty, increasing average ticket sales and decreasing cash-handling errors.

Settlement
Get the quick, accurate settlement services you need to manage and build your business all from UTC. UTC brings you a host of settlement advantages including electronic deposits straight to your bank, online access, 24/7 account information, retrieval and chargeback processing, and much more.

Chargeback
Streamline your back-office functions, minimize sales disputes and reduce losses with UTC’s extensive suite of chargeback services. UTC helps you quickly identify potential risky transactions and expedite fraud transactions. With user-friendly automated features our chargeback solutions allow you to work faster and more efficiently. This powerful online resource makes it possible for you to research, respond to and pull detailed reports on sales disputes in a highly secure environment, helping to prevent costly chargebacks.We also offer the Internet Merchant Workstation, an Internet-based solution that gives you direct access to your credit card transaction processing information including six months of chargeback information.

 

Debit Card Acceptance

Tap into the power of the fastest-growing payment type while enjoying the efficiencies and cost saving of working with an industry leader with debit solutions from UTC.

UTC debit solutions let you satisfy an increasing customer desire to pay for things now, rather than later, as they would with credit cards. In addition to expediting the point-of-sale experience, our advanced debit solutions allow you to add consumer-friendly options, like cash back, to help attract and retain customers. This can also mean reduced settlement time, resulting in improved cash flow for you.

From our STAR PIN-secured debit product to our signature debit transaction processing, UTC debit solutions can improve the customer experience and save your business time and money.

STAR PIN-Secured Debit
Cost-effective, fast and secure, PIN-secured debit is the fastest growing payment type for point-of-sale transactions. With STAR PIN-secured debit, you can tap into the market potential of more than 130 million STAR cardholders and benefit from advantages like virtually guaranteed funds, increased average ticket size, faster checkout times and reduced potential for fraud.

Signature Debit Transaction Processing
Speed sales, generate customer loyalty and boost average ticket size with signature debit processing from UTC. A leader in electronic transaction solutions, UTC’s signature-based debit offers you unmatched accuracy, speed and security. Aside from the convenience it offers to customers, signature-based debit gives you the peace of mind that payment is guaranteed, as well as the benefits of reduced cash and check handling 

Point of Sale Equipment

Offering your customers the largest array of payment choices is just the first step toward smooth, successful transactions. You also need reliable point-of-sale (POS) equipment that processes those transactions quickly and accurately, each and every time. UTC offers a variety of top-quality, dependable and cost-effective POS equipment designed to meet your customers’ demands for fast, secure payment options.

Offering the latest in electronic payments, processor connectivity, and terminal options and service, our equipment is extremely user friendly, perfect even for employees who are new on the job. UTC equipment is available for purchase or lease and includes deployment and repair support ensuring seamless and profitable transitions.

Purchase
UTC sells a variety of technologically advanced, easy-to-use point-of-service equipment including wireless terminals and PIN pads. UTC offers a variety of payment options designed to meet nearly every business need.

Rental/Lease
Get access to the latest equipment, at the right price, with UTC’s comprehensive POS equipment rental services. Our rental and lease options can provide your business a variety of solutions, including retrieval, replacement, repair and related freight charges on rental units.

Deployment
Get up and running faster with UTC’s deployment services. From installing new equipment to training employees on proper use, UTC’s team of experts ensure that your terminals are reliable and work seamlessly from day one.

Repair
Limit terminal downtime with UTC’s responsive repair services. A certified repair facility for most major POS hardware manufacturers and model types, UTC has more than 200 technical staff members who repair nearly 50,000 units per month. Our engineering team works closely with each manufacturer to ensure our technical knowledge is continually updated. Our representatives also ensure that all field change orders are performed and that newly developed products take into consideration future refurbishment impacts. 

Private Card Label and Issuing

As a leading provider of card processing services to the retail private label industry, UTC brings your business all-in-one Private Label Issuance & Processing services that reduce risk and give your customers the speedy service they expect while providing the efficient processes you need. Our private-label retail card processing makes issuing credit cards easy, reliable and profitable, keeping your business brand top-of-mind. Best of all, by bundling all your credit card solutions from one trusted source, you can streamline and simplify back-office functions.

Private-Label Retail Card Processing
Put your name on plastic and give your customers a branded way to pay with UTC’s private-label retail card services. UTC Card Issuing Services provides you with process services that are best in class and built for tomorrow, featuring innovative, easy-to-use technology that facilitates closer connections with their customers and greater agility in responding to changing market demands.

Card Personalization
Make a dynamic impression on your customers with customizable plastic design and delivery from UTC. From plastic card production to customized messaging our single source solution is designed to help you efficiently manage all your customer interactions. Our card delivery services can also minimize your expenses and maximize the safety and security of cardholders’ information.

Electronic Check Acceptance

Take the risk out of check acceptance with a variety of quick, reliable check verification services from UTC. From the industry-standard TeleCheck services to STAR CHEK Direct, UTC brings unmatched electronic payments expertise, providing a faster, easier and more secure way to accept checks, while also helping you reduce losses and boost customer convenience, satisfaction and sales.

Check Verification and Guarantee
Get the accurate, real-time information you need to accept checks safely and quickly with UTC’s check verification and guarantee services. Using STAR CHEK Direct, check transactions are electronically fed directly to the appropriate financial institution via the nationwide STAR Network. In moments, you know whether your customer’s account has the funds necessary to cover the check amount. STAR CHEK Direct also allows you to expand the payment types available to customers and makes check transactions as fast and secure as credit card or debit payments.

Electronic Check Acceptance
Reduce paper, save time and money, and expedite your customers’ point-of-sale experience with the TeleCheck Electronic Check Acceptance service. The ECA service converts a paper check into an electronic item at the time of the transaction, depositing funds from the transaction directly into your bank account. Giving your business improved cash flow; fewer returned checks, returned check fees and warranty claims; reduced merchant bank fees; and faster closing, balancing and settlement. 

Online Services

Boost confidence in your Web presence by preventing fraud, offering superior connectivity and providing convenient, secure services with UTC’s suite of online retailer services. With security technology that limits the risk of online fraud, user authentication technology and Web-enabled services that reduce payment-processing costs, UTC makes your online presence secure, reliable and user-friendly.

Secure Signing Platform
Leverage the cost-efficiency and profit potential of doing business via the Internet while controlling fraud and security risks with the UTC Secure Signing Platform, featuring DataSIGNTM online fraud solutions. By providing the security necessary to guard against the growing threat of online fraud and identity theft, DataSIGN online fraud solutions help retailers and financial institutions preserve trust in Internet channels, increase online revenues, and improve customer acquisition and retention rates. Featuring a robust security supported by a wide range of software and hardware authentication options, DataSIGN online fraud solutions deter the latest fraud scams such as phishing, pharming and other Web-enabled attacks by electronically identifying customers and protecting the integrity of transactions.

Web-Enabled Services
Take advantage of the Web as a low-cost, high-speed alternative to traditional transaction processing with UTC’s Web-Enabled Services. UTC’s gateway, EFSnet, provides transaction processing times as fast as two seconds (compared to six to eight seconds for dial-up), as well as the ability to process the most requested tender types, including credit, debit, gift cards and checks. Open scalable system architecture is designed to easily integrate with third-party applications and support your business growth. As consumers turn to the Web for shopping convenience, UTC also provides you with complete e-commerce services, like Web shopping carts, virtual terminals and a host of retailer services that make merchandise fulfillment and distribution faster and more efficient.

 

ATM Services

Give your customers the freedom to spend, regardless of how much cash is in their pocket. Consumers want multiple payment options beyond their credit card. Now you can offer them the ability to pay with cash through an in-store ATM or by accepting a PIN-secured debit transactions card. UTC ATM solutions with the STAR Network helps you build customer loyalty, generate new revenues, increase average total sales and create greater customer satisfaction. Our enhanced ATM services can help you increase your store traffic by offering customers in need of cash a safe and reliable source, while generating revenue with additional debit card purchases.

STAR Network ATM
Provide your customers reliable and fast access to their money, with an in-store STAR Network ATM. The STAR Network offers industry-leading performance, experience and service. Contact your financial institution to learn more about STAR ATM services.

PIN-Secured Debit
According to a study of 13,000 consumers, nearly half of consumers surveyed (47%) prefer to use a PIN-secured debit card, compared to 30% who prefer the signature-based method (STAR Consumer Payments Usage Study). That said, offering PIN-secured debit to your retail customers is not only a wise business investment, it is a business necessity. And, PIN-secured debit can offer your business reduced transaction processing fees compared with other card payment options, guaranteed payment of funds, higher margin sales and payment of funds to the financial institution of your choice usually within 24 hours. Your customers benefit from the added security of using their PIN, getting cash back, faster purchases and the convenience of not having to provide additional identification.

Cashcard ATM (Available only in Australia )
Looking for a global ATM solution? Leverage UTC’s industry-leading expertise and reliability across the globe with our Cashcard service. Available throughout Australia , Cashcard is the country’s leading ATM services provider. From transaction processing, ATM training and operational support, Cashcard offers a range of ATM models and end-to-end services – powered by UTC and customized to meet the needs of your business.

 

Gift Cards

Get more customers into your business and keep them coming back with branded, pre-paid gift cards from UTC. Acting as mini-billboards in your customers’ wallets, gift cards are one of the fastest growing payment trends. Customers prefer gift cards for their convenience and ease of use, but they also provide a host of benefits for your business, eliminating cash returns, lowering administrative costs, reducing fraud and encouraging customer loyalty.

With a simple and seamless implementation process, coupled with point-of-purchase marketing materials, UTC’s gift card program can help maximize your revenue potential. 

Loyalty Programs

Inspiring customer loyalty is essential for retailers seeking to increase repeat customers and sales. UTC brings you intelligent, loyalty-inspiring, point-of-sale solutions designed to help you better serve and retain your most valuable customers. From our flexible Electronic and Rewards Network loyalty program to convenient direct debit authorization payments, UTC works with you to understand your customers’ needs and behaviors, increase store traffic and keep your customers returning to your aisles.

The Electronic and Rewards Network (EARN)
Add payment flexibility to your loyalty program with the EARN program from UTC. The EARN program is compatible with all currency types – cash, checks, bankcards, and private label cards. And with the EARN program, you can not only better track your customers’ shopping and spending patterns, but you can convert that knowledge into more valuable, better-tailored consumer rewards that can ultimately inspire even greater return business.

 

Private Label Issuing and Processing

As a leading provider of card processing services to the retail private label industry, UTC brings your business all-in-one Private Label Issuance & Processing services that reduce risk and give your customers the speedy service they expect while providing the efficient processes you need. Our private-label retail card processing makes issuing credit cards easy, reliable and profitable, keeping your business brand top-of-mind. Best of all, by bundling all your credit card solutions from one trusted source, you can streamline and simplify back-office functions.

Private-Label Retail Card Processing
Put your name on plastic and give your customers a branded way to pay with UTC’s private-label retail card services. UTC Card Issuing Services provides you with process services that are best in class and built for tomorrow, featuring innovative, easy-to-use technology that facilitates closer connections with their customers and greater agility in responding to changing market demands.

Card Personalization
Make a dynamic impression on your customers with customizable plastic design and delivery from UTC. From plastic card production to customized messaging our single source solution is designed to help you efficiently manage all your customer interactions. Our card delivery services can also minimize your expenses and maximize the safety and security of cardholders’ information.