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United Processing Association Company Overview

United Processing Association (UPA) is a Scottsdale, Arizona–based merchant services provider with over 17 years in the payment processing industry. The company operates as a registered ISO under M & B Financials LLC, affiliated with Wells Fargo Bank, N.A. UPA emphasizes cost-effective, small- and mid-sized business solutions—highlighting unique offerings like zero-percent processing through their WAVit cash discount program. Their services span POS hardware, online gateways, mobile payments, fraud prevention, analytics, and 24/7 U.S.-based support. With more than 30,000 merchants and daily processing volumes up to $9 million across 10 countries, UPA combines tailored pricing, extensive integrations, and a referral-friendly ISO partnership model.