UMS Banking focuses on adding value to each merchant relationship, well beyond terminals and gateways. We offer a variety of solutions designed to maximize your flexibility to meet customer needs while driving your profitability through diverse revenue streams like prepaid and gift cards, payroll cards, and even ATMs.


Prepaid Cards

At UMS Banking, we’ve designed a single solution to meet all of your prepaid needs.  By offering prepaid cards, you will have access to one of the top five profit-generating categories for convenience, grocery and gas retailers. Increase your retail sales and generate profit on each transaction with no inventory to maintain by offering wireless, long distance, re-loadable debit cards, and international mobile recharge cards. These prepaid cards will definitely attract new customers, maintain customer loyalty and increase business overall.


Customized Gift Cards

Customized gift cards are hidden moneymakers that generate far more income than at first glance, so start making money today with our customized gift card program. Gift cards usually generate brand awareness and promotional opportunities, boost prepaid gift sales, and eliminates cash-back returns. Personalizing your card is as easy as one-two-three:  select your quantity, card design, and font, and you’re done!


Payroll Cards

SOLE™ VISA® Payroll Card

The SOLE™ Visa® Payroll Card is a payroll prepaid card that eliminates paper checks and the need to convert checks into cash. The payroll card is funded as a direct deposit transaction through your existing payroll system. No bank account or credit check is required, and all of your employees are eligible. Cards can be customized with personal photos, or choose from a gallery of images.


Automatic Teller Machines (ATMs)

Build customer traffic and increase your revenue with an ATM. Consumers today see ATMs as a necessity, not just a convenience. Cash-dispensing ATMs have become the fastest-growing and most requested service in America. Now, you can own an ATM. You can put one in your own store or in another location of your choice. Our ATM solutions will help you increase your revenue.



The PAX SP30 integrated PINpad offers perfect readability and better branding opportunities.  The SP30 provides the smallest footprint with the largest user interface, featuring a 2.4-inch color LCD. It offers a built-in contactless card reader, a magnetic card reader, and an NFC card reader. The PAX SP30 is compatible with the PAX S80 countertop.


Verifone VX805 PINpad

Verifone’s VX805 PINpad provides precisely what you need, with simple and efficient credit, PIN-based debit and EMV card processing.  Enjoy easy usability, solid reliability, and all of the features required to quickly process a variety of payments. The VX805 is ideal for large or small retailers and includes the latest security protections and offers multiple connectivity options.