United Merchant Services 2023: Reviews & Complaints

United Merchant Services Logo
United Merchant Services Rating
full star idicating a 3.8 out of 5 star rating full star idicating a 3.8 out of 5 star rating full star idicating a 3.8 out of 5 star rating empty star indicating a 3.8 out of 5 star rating empty star indicating a 3.8 out of 5 star rating

Agree with our rating?
Leave a comment below

image of a phone image of a phone that changes when your mouse hovers over it (800) 260-3388 View Pricing

Company Overview

United Merchant Services has changed its name to “bluu” and its new website can be found at ebluu.com. This review will continue to be updated until we complete a new bluu review.

United Merchant Services, founded in 1994, is a privately held merchant account provider that serves businesses based in the United States. There are 2 reviews from 2008 and 2009 suggesting that United Merchant Services may have a connection to Electronic Payment Systems; however, no other online sources indicate that this connection exists. Furthermore, United Merchant Services has informed us that there is no relationship between United Merchant Services and Electronic Payment Systems. UMS was purchased by Celero in 2018.

In June 2022 United Merchant Services and United POS Solutions announced that they would merge and rebrand as Bluu. As of the writing of this review, this process has not yet occurred, though we expect it will shortly.

United Merchant Services Payment Processing

UMS’ processing utilizes their U PAY series of payment solutions, which includes a mobile swiper, a virtual terminal, a recurring billing solution, an online payment option for retailers, a proprietary middleware called U Charge that supports EMV, and a POS system.

Location & Ownership

United Merchant Services’ corporate address is located at 255 S. State Rt. 17 Ste. 201, Hackensack, New Jersey 07601 and lists two other offices in Los Angeles and Duluth, GA. United Merchant Services, Inc. is a registered ISO/MSP of Merrick Bank, South Jordan, Utah; and Wells Fargo Bank, N.A., Concord, California. Jay Yoon is listed as the founder and president of United Merchant Services.

Table of Contents

United Merchant Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 15+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Some Cause For Concern

We are able to locate more than 15 negative United Merchant Services reviews on this website and other consumer protection websites. The majority of these complaints describe undisclosed or misrepresented United Merchant Services contract terms, undesirable equipment lease terms, unauthorized billing, claims of scam policies, and unavailable company representatives.

United Merchant Services Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against United Merchant Services. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

United Merchant Services Customer Service Options

United Merchant Services offers phone support to merchants. This support could be offered through the company’s backend processor.

We have located multiple United Merchant Services customer service phone numbers:

(800) 260-3388 – Toll-Free Customer Support
(201) 568-7600 – Headquarters Office
(855) 399-3497 – Toll-Free California Office Support
(714) 522-6000 – California Office
(866) 255-4751 – Georgia Office

United Merchant Services also offers a customer support form on its website as well as a customer service email address at [email protected]

Ultimately, UMS’s support channels are not sufficient to qualify it as a top-rated payment processor for customer service at this time.

United Merchant Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

Under 5 Complaints

United Merchant Services is not an accredited business of the Better Business Bureau. At the time of this review, United Merchant Services maintains an “A+” rating, with 0 complaints filed in the last 36 months.

What Merchants Say

The company has received 1 informal review in the last 36 months. The sole review is negative in tone. The review details unexpected fees and poor customer service:

This company has the WORST customer service and A LOT of bogus fees that they will not explain to their customers! CONSUMERS BEWARE !!!

Issues may arise during the contract term of a merchant agreement. This makes excellent customer service an invaluable aspect of any merchant account provider.

Worthy of an “A” Rating

Given the company’s complaint volume and resolution ratio, we agree with the BBB’s rating at this time. However, merchants should be aware that there are valid reasons to be skeptical of the BBB’s reviews.

United Merchant Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Monthly Minimum Fee $25
Early Termination Fee $395+
PCI Compliance Fee Undisclosed
Equipment Lease Terms 48 Month (locked)

United Merchant Services Contract Terms

The United Merchant Services program guide lists a 3-year agreement with an early termination fee of $395 or Liquidated Damages, whichever is greater. There also appears to be a monthly minimum fee of $25 associated with the company’s service, but a company representative has stated that this minimum only applies to certain programs. It is important to bear in mind that United’s apparent use of independent resellers may also result in significant variation in contract terms from agent to agent.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, United Merchant Services also dedicates a portion of its website to advertising its virtual terminal and payment gateway. However, pricing is not disclosed for those services.  Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Beware Equipment Leases

There are also a few merchants who claim that United signed them up for equipment leases with MBF Leasing, a DBA of “F”-rated provider Northern Leasing. These complainants express frustration with the equipment lease terms more so than the credit card processing services, citing 48-month contracts, expensive payments, unavailable customer service reps, and costly penalties for canceling the lease early. A company representative has stated that United Merchant Services does not actively promote Northern Leasing contracts and that fewer than 1% of the company’s merchants currently have lease agreements with Northern Leasing. Merchants are advised to ask about the terms of their equipment leases and to purchase equipment whenever possible.

We encourage merchants to check out our list of the providers of the best merchant services.

United Merchant Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Some Negative Reports

United Merchant Services appears to allow sub-ISOs and independent agents to market its services, which is a standard industry practice that generally results in higher complaint rates against a company. At this time, we are able to locate multiple negative United Merchant Services reviews that cite nondisclosure of contract terms and misrepresentation of fees by United Merchant Services agents. Some of these complaints were possibly filed against agents or branches that may no longer be affiliated with the company, but the overall themes of the complaints are consistent.

This does not compare favorably to our list of best credit card processors.

Slamming Allegation

One particularly alarming complaint from October 2016 describes an in-person sales encounter that strongly resembles “slamming.” To its credit, the company does not appear to engage in any deceptive advertising strategies in its official materials. However, the common emphasis on poor sales practices across the company’s complaints has lowered its score to a “C.” If you suspect that UMS is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Our United Merchant Services Review Summary

Our Final Thoughts

An Average Option

United Merchant Services has changed its name to bluu. The company shows a moderate number of complaints for its size and time in business but appears to sign merchants up for less-than-competitive contract terms. A point of concern against this company lies in its allegations of slamming and merchant complaints that accuse the company of being a ripoff. United’s overall rating has improved since our last update due to a decrease in its complaint rate, but it still not on par with the most reliable top-rated credit card processors.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did United Merchant Services Treat You?

11 Responses

  • Mark Schellhaas

    Little River Hot Rods

    These jerks have a sales team that uses generated phone numbers and have called my business more than 3 times per day over the last 8 months. They do not respect the National do not call list and just hang up. As I was typing this I received the 6 th call today . I would never use this company to process and credit card payments. Anyone that does needs their head examined . If they can’t control their sales staff how can you trust they will correct any errors in billing, processing etc?

  • We love their the customer representativeness. Theirs is great! 💝👏

  • Awful awful customer service and they never defend you against false fraud claims. They owe me money and it’s been months I’m waiting for it while they continue to deduct their damn fees even though I terminated the contract with them legitimately. Thieves- stay away

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

  • I’m just finding out that a United MS (who apparently has no record of me) has been charging me for months. With no confirmation emails of any sort to upwards of 1k before I caught it.

  • carlos morales


  • We have had this service for four years and we didn’t have a problem until yesterday. The credit card machine wasn’t working, so we called the at&t company and they said it was the bank problem. We called the bank and they said it was the phone line problem. Later on one of our at&t customers came to our restaurant and said their company was having some sort of glitch, which was causing the credit card machine not to work even though at&t did a phone check and said our phone line was pretty good.

  • Raymond Gillen

    All I can say is you had better be careful when these people come in. I was contracted with EVO Merchant Services and was happy with them when from out of the blue comes this guy who said he was with Merchant Services and was just checking to see if I had any problems with their services. I told him “no everything was fine.” He then asked to see my monthly statement so he could go over it. After looking at it he told me that the company was still billing at a higher rate than they should and he said that he would call in and get the rate lower for me. He did. Then he asked me if I had switched over to the new chip-reader machines and I told him I had not. He told me I was running a big risk by not installing the new machine and again he said he would call and see if he could have one sent.
    At no time did he ever indicate he was with another company. Only by chance did I later find out when I was on the phone with my first company. At that time they told me I could be hit with a big fee for terminating my contract and also would be responsible for the first machine which was sent back to the second company. To me this was fraud and at the very least deceptive practice. I am not sure what will happen but I am going to get to the bottom of this.

  • Jason Chen

    This is a fraud company. They send bill to us but we haven’t done any business with them. We haven’t even signed a contract with them! Ignore their bill.
    Be carefully!!

  • Javier Acosta


    I have had an unfortunate issue with this company. I am new to this, and the representative Gloria Arcinegas, lied to me about having a trial period for processing credit cards. In addition, there are documents that are supposedly signed by me; however, the signature is not one in the same. I had a translator assist me with relaying the trial period matter, which now seems to have been a lie. It so happens that there is no such trial period, and I am now being billed for a sum of $500 and change. Ms. Arcinegas set up the equipment by utilizing another companies phone service. Que Paella Catering never had phone service on the premises. Ms. Arcinegas picked up all materials and equipment, and she also notified your company of what happened. She advised me that she received a $200. credit; therefore, leaving a balance of $300. and change. I need to know what is happening with this matter. The company Que Paella Catering, which has been closed since 5/1/2013, is being billed for an open bill. I have spoken with various representatives with United Merchant, and none have been able to give me a precise response to this. I need assistance in again speaking with a Spanish agent. I cannot understand why I am liable for the incorrect manner in which this equipment was set up. Ms. Arcinegas was specifically advised not to set up anything on the premises concerning credit card processing, unless it was a trial. I have many witnesses that were present to this matter.

  • United Merchant Services pressured my wife to sign a contract when we already had a credit card processing provider. They never left a copy of the contract and never followed up on sending me one. I tried contacting someone in the department numerous times and after being lied to and no one following up with me (I am the husband and on the lease of my wifes business) I sent the credit card processor back at my cost and told one of the reps that I would not do business with them since they would not even send me a copy of the contract they supposedly had signed by my wife. They have never done one bit of service for us and when I found they took money from my checking account I closed the account in order not to give this shady company access to my funds when no one from their organization has ever so much as returned any of my calls. I would have done business with the company if they would have so much as sent me a copy of the contract my wife supposedly signed but no one would ever follow up on this nor even return my calls. Now they have said that I owe them over 800 dollars for an installation fee or something but again I have never even been able to talk to a representative to find out what I am paying or even who they are. They know my address and phone number because they keep sending a bill but no one will actually contact me nor explain why they have never even given me access to a signed contract. This company is the most notoriously shady company I have ever dealt with and they will not get a penny of my money other than what they already stole from my account.

  • I bought a small business and assumed the contract with United Merchant Service. After 9 months and research I found Parkland fees and charges much lower and contracted with them. I continued to pay $25/month to UMS as a flat non use fee For family reasons was forced to close the business 9 months from completion of my contract with UMS. I faxed them a change of address form and informed them the business bank account would be closed.
    I never received a bill at my new address until this was sent to their collection department with an extra $250 for non-payment. Upon calling them they stated their contact was trying to auto deduct funds from an account thet were already notified was closed.
    My experience with Parkland was exceptional. They accepted a reasonable buy out fee and closed the account.
    This conpany operates as cell phone companies once operated. They collect an outrageous buy out fee that costs more than if they had actually provided a service.

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.