Ulster Bank Group

Is a Cardstream supported merchant.


Universal Standard Product and Service Classification Code. A Global commodity standard – 10 digit, hierarchical code used to consistently classify products and services.

Unbundled Fees

Other fees paid by the merchant to the merchant bank or other contracted party for transaction processing.

Uniform Commercial Code (UCC)

A set of business-related laws dealing with the sale of goods, their transportation and delivery, financing, storage, payments, and various other commercial transactions. These model laws have been adopted, with minor modifications, by most states to provide some consistency among states commercial laws. They were drafted by the National Conference of Commissioners on Uniform State Laws.

Uniform Commercial Code Article 4A (UCC 4A)

Uniform Commercial Code (UCC) is a comprehensive body of state law governing commercial transactions. Article 4A covers certain funds transfers, including ACH credit transactions not subject to the Electronic Funds Transfer Act.

User Authentication

Process of validating that a user is who the user represents himself/herself as.

User ID

The identity of the person authorized to log on to the system.