United Bank Card Merchant Account Services for Small Businesses
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Call us at 973-448-9701
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BBB Better Business Bureau Member for Merchant Accounts

$99 Credit Card Terminal for Small Business Merchant Accounts
On Sale! $99.00


Tip of The Day...

When you accept credit cards over the Internet, a gateway fee will be assessed. Some merchant account providers quote a monthly fee, deliberately leaving out the gateway cost. You need to know the total monthly fee, including the gateway expense.
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Merchant Accounts Checks by Phone

Checks By Phone

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Demo Page

  • Checks by phone increases your customer base as millions of buyers have no credit Cards.

  • Accept checks over the phone and get your share of this mega-market!

  • Never Lose That Impulse Sale Again!!!!

Accept checks over the phone and fax today as a convenient electronic payment processing tool! Checks by phone offers credit card convenience to checking account customers by allowing them to place orders ... Right over the phone and/or fax. If you have customers that order over the phone or fax, you can increase your sales potential by over 75 million consumers who can only pay by check. Thus, checks by phone could double or even triple your customer base.

Would you like to increase your cash flow?
(A check by phone can be in your account as fast as 72 hours.)

Would you like to be able to ship your products faster?
(A check by phone reduces the hassle of COD's and waiting for payments through the mail.)

Would you like to collect funds due on late or delinquent accounts right when you have the person on the phone?
(No more "the check's in the mail" excuses.)

Join the hundreds of companies that are currently using checks by phone as the system makes dollars and sense!

Take a Look at our Checks by Phone Advantages: Reliable cash flow.

  • Saves the high percentage you are paying on credit card customers.
  • Increase your sales potential by over 75 million customers in the United States.
  • Spares clients the hassle of writing and mailing checks.
  • Electronic payment processing transactions are settled into your account quickly.
  • System customized to your business.
  • Any service, product, reservation, donation or collection can be paid using a check by phone.


Accepting credit card payments over the phone is considered an essential business practice in light of the following advantages:

  • To encourage impulse sales; to capitalize on the customer's desire for a product/service while the interest is at its peak.
  • To avoid the need for costly and time-consuming billing.
  • To get immediate payment for goods or services.
  • To respond quicker to the customer's request without assuming financial risk.

As a result of these benefits, credit cards by phone is an excellent payment option for business owners despite the fact that they must pay a percentage (of the customer's cost) to the credit card companies for the service.

Why not derive the same basic advantages from your customers who would prefer to pay via a check - and at lower cost? Why not increase your client base by accepting checks over the phone since so many more people have active checking accounts than credit card capabilities? Why not mirror what large companies, such as Nextel and AT&T, are doing to reduce "in-house" paperwork while ensuring efficient, time saving interaction with customers? And finally, why not completely eliminate the hassle of C.O.D. shipments and the wait for payment through the postal system?

Concerned that accepting checks over the phone is difficult to implement? Great News! Checks by phone is as simple as asking for credit card information. The following briefly describes the process:

Step 1 - You request your customer's bank information: bank name, routing number, account number, and amount to draft. (We provide you the form with "easy-as-pie" directions.)

Step 2 - Simply fax or email us your customers' information -OR-

Use our easy-to-use software or our web-based interface (i.e., a virtual terminal) that allows you to input the information and set the correct parameters for the automatic transfer of funds.

Step 3 - In several days, the transfer of funds is complete as you will receive your entitled money.

* It is important to note that you must receive authorization from and provide notification to your customers to process their check payments over the phone or fax.

Now you can accept and process business and personal checks over the phone (or by fax) for orders, payments, collections and donations! There are no minimums or maximums to worry about. We will process one check or one hundred thousand checks for deposit.

Now you can think of the phone or fax as a tool to increase cash flow, eliminate invoicing, avoid collection hassles, and save $$$ each month! Hundreds of businesses, large and small, are using this service. Whether you want to collect money from your customers for goods or services, engage in debt collection, or raise donations for charities, accepting checks over the phone is the perfect electronic payment processing solution. Join the checks by phone bandwagon.

Demo Page

We offer several state-of-the-art virtual terminals and payment gateways, enabling business owners to accept credit card and/or check payments. The following represents our most popular virtual terminal and payment gateway.

Virtual Terminal Demo
Online Credit Card and Check Demo

Please note that these mechanisms are easy to use, merely asking for self-explanatory input.

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United Bank Card, Inc. is a registered ISO/MSP of First National Bank of Omaha, 1620 Dodge St., Omaha, NE – Member FDIC
United Bank Card a Fortunte 500 Company The Walmart of Credit Card Processing Email Intelli Collect about a merchant account for your business!