----

----

| x | QUARTERLY REPORT UNDER SECTION      13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF  1934 |
|---|-----------------------------------------------------------------------------------------|

|  ̈ | TRANSITION REPORT UNDER SECTION      13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF  1934 |
|--------|------------------------------------------------------------------------------------------|

----

----

| Nevada                                 |   | 91-2150635                             |
|----------------------------------------|--------|----------------------------------------|
| (State      or other jurisdiction      |   | (IRS      Employer Identification No.) |
| of      incorporation or organization) |   |                                   |

| Large      accelerated filer |  ̈ |     | Accelerated      filer         |  ̈ |
|------------------------------|--------|--------------------|--------------------------------|--------|
| Non-accelerated      filer   |  ̈ |               | Smaller      reporting company | x      |

----

----

----

| Part I – Financial Information | Page                                                                                             |
|--------------------------------------|--------------------------------------------------------------------------------------------------|
|             |                                                                                             |   |
| Item 1.                              | Financial Statements                                                                             | 4 |
|             |                                                                                             |   |
|                                 | Consolidated Balance Sheets                                                                      | 4 |
|             |                                                                                             |   |
|                                 | Consolidated Statements of Income                                                                | 5 |
|                                 |                                                                                             |   |
|                                 | Consolidated Statements of Changes in Stockholders’      Equity                            | 6 |
|             |                                                                                             |   |
|                                 | Consolidated Statements of Cash Flows                                                            | 7 |
|             |                                                                                             |   |
|                                 | Notes to Consolidated Financial    Statements                                                    | 8      – 14 |
|             |                                                                                             |   |
| Item 2.                              | Management’s Discussion and Analysis of Financial Condition and      Results of Operations | 15 |
|             |                                                                                             |   |
| Item 3.                              | Quantitative And Qualitative Disclosures About Market      Risk                                  | 21 |
|                                 |                                                                                             |   |
| Item 4(T).                           | Controls And Procedures                                                           | 21 |
|             |                                                                                             |   |
| Part II – Other Information    |                                                                                             |
|             |                                                                                             |   |
| Item 1.                              | Legal Proceedings                                                                                | 22 |
|                                 |                                                                                             |   |
| Item 1A.                             | Risk Factors                                                                                     | 22 |
|             |                                                                                             |   |
| Item 2.                              | Unregistered Sales of Equity Securities and Use of      Proceeds                                 | 22 |
|             |                                                                                             |   |
| Item 3.                              | Defaults Upon Senior Securities                                                                  | 22 |
|             |                                                                                             |   |
| Item 4.                              | Submission of Matters to a Vote of Security      Holders                                         | 22 |
|             |                                                                                             |   |
| Item 5.                              | Other Information                                                                                | 22 |
|             |                                                                                             |   |
| Item 6.                              | Exhibits                                                                                         | 22 |
|             |                                                                                             |   |
|                                 | Signatures                                                                                       | 23 |

----

|   | · | general      economic and industry conditions; |
|--------|--------|------------------------------------------------|

|   | · | our      capital requirements and dependence on the sale of our equity      securities; |
|--------|--------|-----------------------------------------------------------------------------------------|

|   | · | the      liquidity of the Company’s common stock will be affected by the lack of a      trading market; |
|--------|--------|---------------------------------------------------------------------------------------------------------------|

|   | · | intense      industry competition; |
|--------|--------|------------------------------------|

|   | · | fluctuations      in the prevailing industry prices of check processing      services; |
|--------|--------|----------------------------------------------------------------------------------------|

|   | · | shortages      in availability of qualifiedpersonnel; |
|--------|--------|-------------------------------------------------------|

|   | · | legal      and financial implications of unexpected catastrophic    events; |
|--------|--------|-----------------------------------------------------------------------------|

|   | · | regulatory      or legislative changes effecting check processing operations;      and |
|--------|--------|----------------------------------------------------------------------------------------|

|   | · | reliance      on, and the ability to attract, keypersonnel. |
|--------|--------|-------------------------------------------------------------|

----

PART

ITEM

UNITED

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | September      30,2009(Unaudited) |      |   | December      31,2008(Audited) |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------|-----------|--------|--------------------------------|--------|
|                                                                                                                                                                                                                                         |   |                              |      |   |                           |   |
| ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                              |      |   |                           |   |
| CURRENT      ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |                              |      |   |                           |   |
| Cash and Cash      Equivalents                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | $                                 | 256,695   |   |                           | $      | 366,844 |   |
| Restricted Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                              | 96,309    |   |                           |   | 353,702 |   |
| Trade Receivables,      net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                              | 88,742    |   |                           |   | 84,581 |   |
| PrepaidInterest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                              | 70,000    |   |                           |   | 96,000 |   |
| PrepaidExpenses                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                              | 27,079    |   |                           |   | 19,619 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| Total Current      Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                              | 538,825   |   |                           |   | 920,746 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| PROPERTY      AND EQUIPMENT, NET                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |                              | 52,963    |   |                           |   | 57,882 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| OTHER      ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |                              |      |   |                           |   |   |   |
| Intangible    Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              | 5,196,394 |   |                           |   | 5,661,916 |   |
| Prepaid Interest,      Non-current                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |                              | 60,000    |   |                           |   | 110,000 |   |
| Deferred Tax    Asset                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |                              | 163,026   |   |                           |   | 50,307 |   |
| Other                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |                              | 85,250    |   |                           |   | 63,315 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| Total Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | $                                 | 6,096,458 |   |                           | $      | 6,864,166 |   |
|                                                                                                                      |   |                              |      |   |                           |   |   |   |
| LIABILITIES      AND STOCKHOLDERS' EQUITY                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                              |      |   |                           |   |   |   |
| CURRENT      LIABILITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                              |      |   |                           |   |   |   |
| ACH Settlements      Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | $                                 | 82,004    |   |                           | $      | 336,597 |   |
| Current Portion Long-Term      Debt                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |                              | 2,452,070 |   |                           |   | 357,709 |   |
| Accounts Payable and Accrued      Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                              | 18,676    |   |                           |   | 68,231 |   |
| Customers’    Deposits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |                              | 14,305    |   |                           |   | 17,105 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| Total Current      Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                              | 2,567,055 |   |                           |   | 779,642 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| LONG      TERM LIABILITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                              |      |   |                           |   |   |   |
| Notes Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                              | 2,610,705 |   |                           |   | 4,977,949 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| Total    Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              | 5,177,760 |   |                           |   | 5,757,591 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| STOCKHOLDERS'      EQUITY                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                              |      |   |                           |   |   |   |
| Common Stock - $.001 Par Value;      75,000,000 Shares Authorized, 34,359,167      and 34,316,667 Issued and Outstanding at  September 30, 2009      and December 31, 2008                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                              | 34,359    |   |                           |   | 34,317 |   |
| Additional Paid-In      Capital                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                              | 851,579   |   |                           |   | 850,346 |   |
| Retained    Earnings                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              | 32,760    |   |                           |   | 221,912 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
|    Total      Stockholders' Equity                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |                              | 918,698   |   |                           |   | 1,106,575 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                              |      |   |                           |   |   |   |
| Total Liabilities and      Stockholders' Equity                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | $                                 | 6,096,458 |   |                           | $      | 6,864,166 |   |

----

UNITED

|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   | Three      Months EndedSeptember      30, |   |   |   | Nine      Months EndedSeptember 30, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-------------------------------------------|--------|--------|--------|------------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   | 2009                                      |   |   |   | 2008                                     |   |   |   | 2009 |   |   |   | 2008 |   |
|    Revenues                                                                     |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|       ACH      Services                                                                                                                                                                                                                                                                                                                                                                                              |   | $      | 212,234                                   |   |   | $      | 211,057                                  |   |   | $ | 640,538 |   |   | $ | 750,232 |   |
|       Verification      Services                                                                                                                                                                                                                                                                                                                                                                                     |   |   | 29,839                                    |   |   |   | 59,440                                   |   |   |   | 157,212 |   |   |   | 95,764 |   |
|       Credit      Card Services                                                                                                                                                                                                                                                                                                                                                                                      |   |   | 410,046                                   |   |   |   | 227,694                                  |   |   |   | 1,366,789 |   |   |   | 227,694 |   |
|         Total      Revenues                                                                                                                                                                                                                                                                                                                                                                                |   |   | 652,118                                   |   |   |   | 498,191                                  |   |   |   | 2,164,539 |   |   |   | 1,073,690 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Cost      of Revenues                                                                                                                                                                                                                                                                                                                                                                                                                              |   |   | 207,310                                   |   |   |   | 175,390                                  |   |   |   | 627,328 |   |   |   | 478,540 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|      Gross      Profit                                                                                                                                                                                                                                                                                                                                                                                                    |   |   | 444,808                                   |   |   |   | 322,801                                  |   |   |   | 1,537,211 |   |   |   | 595,150 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Expenses:                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|    Operating                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|       Personnel      costs                                                                                                                                                                                                                                                                                                                                                                                           |   |   | 34,296                                    |   |   |   | 35,700                                   |   |   |   | 99,858 |   |   |   | 97,092 |   |
|       Travel                                                                                                                                                                                                                                                                                                                                                                                                         |   |   | 15,959                                    |   |   |   | 10,477                                   |   |   |   | 56,919 |   |   |   | 24,691 |   |
|       Amortization      expense                                                                                                                                                                                                                                                                                                                                                                                      |   |   | 134,568                                   |   |   |   | 42,018                                   |   |   |   | 403,704 |   |   |   | 42,018 |   |
|       Commissions      and fees expense                                                                                                                                                                                                                                                                                                                                                                              |   |   | 38,863                                    |   |   |   | 11,457                                   |   |   |   | 123,105 |   |   |   | 45,797 |   |
|       Other                                                                                                                                                                                                                                                                                                                                                                                                          |   |   | 54,219                                    |   |   |   | 42,803                                   |   |   |   | 171,562 |   |   |   | 62,847 |   |
|         Total      Operating Expenses                                                                                                                                                                                                                                                                                                                                                                      |   |   | 277,905                                   |   |   |   |  142,455                            |   |   |   | 855,148 |   |   |   | 272,445 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|    Selling,      General & Administrative                                                                                                                                                                                                                                                                                                                                                                                       |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|       Personnel      costs                                                                                                                                                                                                                                                                                                                                                                                           |   |   | 127,010                                   |   |   |   | 69,065                                   |   |   |   | 330,200 |   |   |   | 104,546 |   |
|       Legal      and accounting                                                                                                                                                                                                                                                                                                                                                                                      |   |   | 32,297                                    |   |   |   | 13,121                                   |   |   |   | 109,745 |   |   |   | 48,958 |   |
|       Marketing                                                                                                                                                                                                                                                                                                                                                                                                      |   |   | 9,684                                     |   |   |   | 15,554                                   |   |   |   | 26,933 |   |   |   | 34,694 |   |
|       Consulting                                                                                                                                                                                                                                                                                                                                                                                                     |   |   | --                                        |   |   |   | --                                       |   |   |   | -- |   |   |   | 32,500 |   |
|       Other                                                                                                                                                                                                                                                                                                                                                                                                          |   |   | 3,946                                     |   |   |   | 8,837                                    |   |   |   |  51,719 |   |   |   | 13,069 |   |
|         Total      Selling, General & Administrative                                                                                                                                                                                                                                                                                                                                                   |   |   | 172,937                                   |   |   |   | 106,577                                  |   |   |   |  518,597 |   |   |   |  233,767 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|      Total      Expenses                                                                                                                                                                                                                                                                                                                                                                                                  |   |   | 450,842                                   |   |   |   | 249,032                                  |   |   |   | 1,373,745 |   |   |   | 506,212 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| (Loss)      Income from operations                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |   (6,034                        | )      |   |   |   73,769                       |   |   |   |  163,466 |   |   |   |  88,938 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Other      Income (expense):                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
|       Interest      Income                                                                                                                                                                                                                                                                                                                                                                                           |   |   | 517                                       |   |   |   | --                                       |   |   |   | 1,577 |   |   |   | -- |   |
|       Interest      Expense                                                                                                                                                                                                                                                                                                                                                                                          |   |   | (164,609                                  | )      |   |   | (40,661                                  | )      |   |   | (466,914 | ) |   |   | (44,196 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Net      Income (loss) before income taxes                                                                                                                                                                                                                                                                                                                                                                                                         |   |   | (170,126                                  | )      |   |   |  33,108                             |   |   |   | (301,871 | ) |   |   |  44,742 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Income      tax benefit (expense)                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   | 73,018                                    |   |   |   | (7,284                                   | )      |   |   |  112,719 |   |   |   | (      9,798 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Net      (Loss) Income                                                                                                                                                                                                                                                                                                                                                                                                                             |   | $      |   (97,108                       | )      |   | $      |   25,824                       |   |   | $ |  (189,152 | ) |   | $ |  34,944 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |   |                                      |   |   |   |                                     |   |   |   |   |   |   |   |   |   |
| Net      Income per Share                                                                                                                                                                                                                                                                                                                                                                                                                          |   |   | NM                                        |   |   |   | NM                                       |   |   |   | NM |   |   |   |  NM |   |

----

UNITED

|                                                                             |   | Common      Stock |       |   | AdditionalPaid-In |   |   | Retained |   |   | Stockholders' |   |
|----------------------------------------------------------------------------------|--------|-------------------|------------|--------|-------------------|--------|--------|----------|--------|--------|---------------|--------|
|                                                                             |   | Shares            |       |   | Amount            |   |   | Capital  |   |   | Earnings      |   |   | Equity |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |
| Balance      at January 1, 2008                                                  |   |              | 18,291,667 |   |              | $      | 18,292 |     |   | $      | 49,440        |   |   | $ | 341,541 |   |   | $ | 409,273 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Issuance      of Common Stock for Acquisition of      Netcom Data Southern, Inc. |   |              | 7,800,000  |   |              |   | 7,800  |     |   |   | 382,200       |   |   |   | - |   |   |   | 390,000 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Issuance      of Common Stock for Acquisition of      Credit Card Portfolio      |   |              | 3,200,000  |   |              |   | 3,200  |     |   |   | 156,800       |   |   |   | - |   |   |   | 160,000 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Issuance      of Common Stock in exchange for "Non-interest"      bearing loan   |   |              | 4,800,000  |   |              |   | 4,800  |     |   |   | 235,200       |   |   |   | - |   |   |   | 240,000 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Net      Income                                                                  |   |              | -          |   |              |   | -      |     |   |   | -             |   |   |   | 34,944 |   |   |   | 34,944 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Balance      at September 30, 2008                                               |   |              | 34,091,667 |   |              | $      | 34,092 |     |   | $      | 823,640       |   |   | $ | 376,485 |   |   | $ | 1,234,217 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Balance      at January 1, 2009                                                  |   |              | 34,316,667 |   |              | $      | 34,317 |     |   | $      | 850,346       |   |   | $ | 221,912 |   |   | $ | 1,106,575 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Employees’      exercise of stock options                                  |   |              | 42,500     |   |              |   | 42     |     |   |   | 1,233         |   |   |   | -- |   |   |   | 1,275 |   |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Net      Loss                                                                    |   |              | -          |   |              |   | -      |     |   |   | -             |   |   |   | (189,152 | ) |   |   | (189,152 | ) |
|                                                                             |   |              |       |   |              |   |   |     |   |   |          |   |   |   |   |   |   |   |   |   |
| Balance      at September 30, 2009                                               |   |              | 34,359,167 |   |              | $      | 34,359 |     |   | $      | 851,579       |   |   | $ | 32,760 |   |   | $ | 918,698 |   |

----

UNITED

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | Nine      Months EndedSeptember 30,                                                                           |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | 2009                                                                                                               |   |   |   | 2008 |   |
|                                                                                                           |   |                     |   |       |   |                     |   |
| CASH      FLOWS FROM OPERATING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                                                                                                               |   |   |   |   |   |
| Net Income    (Loss)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | $      | (189,152                                                                                                           | )      |   | $ |  34,944 |   |
| Adjustments to Reconcile Net      Income (Loss) to Net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                                                                                                               |   |   |   |   |   |
| Cash Provided by Operating      Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |                                                                                                               |   |   |   |   |   |
| Depreciation and      Amortization                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | 428,269                                                                                                            |   |   |   | 64,555 |   |
| (Increase) Decrease in Trade      Receivables                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | (4,161                                                                                                             | )      |   |   | 16,872 |   |
| (Increase) Decrease in Prepaid      Expenses                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | (7,460                                                                                                             | )      |   |   | 6,792 |   |
| Decrease in Prepaid      Interest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | 76,000                                                                                                             |   |   |   |  10,000 |   |
| Decrease in Restricted      Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | 257,393                                                                                                            |   |   |   | 163,054 |   |
| Increase in Deferred Tax      Asset                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | (112,719                                                                                                           | )      |   |   |  (695 | ) |
| Decrease in ACH Settlements      Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | (254,593                                                                                                           | )      |   |   | (205,556 | ) |
| Decrease in Accounts Payable      and Accrued Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | (49,555                                                                                                            | )      |   |   | (9,981 | ) |
| (Decrease) Increase in      Customer Deposits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | (2,800                                                                                                             | )      |   |   | 42,502 |   |
| Net Cash Provided by Operating      Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | 141,222                                                                                                            |   |   |   | 122,487 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH      FLOWS FROM INVESTING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                                                                                                               |   |   |   |   |   |
| Acquisition of Property and      Equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | (19,646                                                                                                            | )      |   |   | (13,053 | ) |
| Proceeds from Asset Purchase      Escrow                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 61,818                                                                                                             |   |   |   | -- |   |
| Cash paid in conjunction with      acquisition of NDS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | --                                                                                                                 |   |   |   | (314,741 | ) |
| Cash paid in conjunction with      acquisition of Portfolio Asset                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | --                                                                                                                 |   |   |   | (2,275,616 | ) |
| Increase in Other      Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | (21,935                                                                                                            | )      |   |   | -- |   |
| Net Cash Provided by (Used in)      Investing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 20,237                                                                                                             |   |   |   | (2,603,410 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH      FLOWS FROM FINANCING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                                                                                                               |   |   |   |   |   |
| Proceeds from Employees’      exercise of stock options                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | 1,275                                                                                                              |   |   |   | -- |   |
|     Proceeds      from notes payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | --                                                                                                                 |   |   |   | 2,625,000 |   |
| Principal paid on notes      payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | (272,883                                                                                                           | )      |   |   | (70,000 | ) |
| Net Cash (Used in) Provided by      Financing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | (271,608                                                                                                           | )      |   |   | 2,555,000 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| NET      (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | (110,149                                                                                                           | )      |   |   | 74,077 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH      AND CASH EQUIVALENTS – BEGINNING OF PERIOD                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | 366,844                                                                                                            |   |   |   | 283,988 |   |
| CASH      AND CASH EQUIVALENTS – END OF PERIOD                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | $      | 256,695                                                                                                            |   |   | $ | 358,065 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| SUPPLEMENTAL      DISCLOSURES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                                                                                                               |   |   |   |   |   |
| Cash Paid During the Period for      Interest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | $      | 396,633                                                                                                            |   |   | $ | 15,966 |   |
| Cash Paid During the Period for      Taxes                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | $      | 5,000                                                                                                              |   |   | $ | -- |   |

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| A      summary of the purchase price of NDS is as follows:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-----------|
| Cash      paid to stockholders of NDS, net of cash acquired from NDS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   | $      | 272,099   |   |
| Direct      acquisition costs paid by the Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |   | 35,329    |   |
| Promissory      note issued to stockholders of NDS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   | 2,720,000 |   |
| Fair      value of 7,800,000 shares of stock issued                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   | 390,000   |   |
|                                                                                                        |   |   |      |   |
| Total      purchase price                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   | $      | 3,417,428 |   |

| Tangible      assets acquired and liabilities assumed                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |   |      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-----------|
| Property and      Equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | $      | 14,503    |   |
|                                                                                                        |   |   |      |   |
| Net tangible assets      acquired                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |   | 14,503    |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |      |   |
| Identifiable      intangibles                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |      |   |
| Customer relationships and      contracts                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   | 3,402,925 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |      |   |
| Total      purchase price                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   | $      | 3,417,428 |   |

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|                                                                                                                                                                                                                                                                                                   |   | September      30, 2009 |      |   | December 31,      2008 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------|-----------|--------|-----------------------------|--------|
|                                                                                                                                                                                                                                                                                                   |   | CarryingAmount          |      |   | FairValue                   |   |   | CarryingAmount |   |   | FairValue |   |
|                                                   |   |                    |      |   |                        |   |   |   |   |   |   |   |
| Financial      Assets                                                                                                                                                                                                                                                                                  |   |                    |      |   |                        |   |   |   |   |   |   |   |
|    Cash      and Cash Equivalents                                                                                                                                                                                                                                                       |   | $                       | 256,695   |   |                        | $      | 256,695 |   |   | $ | 366,844 |   |   | $ | 366,844 |   |
|    Restricted      Cash                                                                                                                                                                                                                                                                 |   |                    | 96,309    |   |                        |   | 96,309 |   |   |   | 353,702 |   |   |   | 353,702 |   |
| Financial      Liabilities                                                                                                                                                                                                                                                                             |   |                    |      |   |                        |   |   |   |   |   |   |   |   |   |   |   |
|    Notes      Payable                                                                                                                                                                                                                                                                   |   | $                       | 5,062,775 |   |                        | $      | 5,062,775 |   |   | $ | 5,335,658 |   |   | $ | 5,335,658 |   |

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| Cost      of Revenue:                                                                                                                                                                                                    |               | Three      MonthsEndedSeptember      30,2009 |                                                                                             | Percentage         |                                                                                             |   | Three      MonthsEndedSeptember      30,2008 |   | Percentage                                                                                       |               |                                                                                             | VarianceDollars |               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------|----------------------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|--------|----------------------------------------------|--------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|-----------------|--------------------|
|                                      |     |                                         |                  |     |                  |   |                               |   |                  |     |                  |            |     |   |                  |   |
|   ACH Services                                                                                                                                                                                            |               | $                                            | 51,672                                                                                           |               | 24.7                                                                                             | %      |                                         | $      | 80,054                                                                                           |               | 45.6                                                                                             | %               |               | $ | (28,382 | ) |
|                                                                                                                                                                                                                |               |                                         |                                                                                             |               |                                                                                             |   |                                         |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Verification      Services                                                                                                                                                                                   |               |                                         | 8,141                                                                                            |               | 3.9                                                                                              | %      |                                         |   | 21,402                                                                                           |               | 12.2                                                                                             | %               |               |   |  (13,261 | ) |
|                                                                                                                                                                                                                |               |                                         |                                                                                             |               |                                                                                             |   |                                         |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Credit      Card Services                                                                                                                                                                                    |               |                                         | 147,497                                                                                          |               | 71.4                                                                                             | %      |                                         |   | 73,934                                                                                           |               | 42.2                                                                                             | %               |               |   | 73,563 |   |
|                                                                                                                                                                                                                     |               |                                         |                                                                                             |               |                                                                                             |   |                                         |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
| Total Cost of Revenue                                                                                                                                                                                     |               | $                                            | 207,310                                                                                          |               | 100.0                                                                                            | %      |                                         | $      | 175,390                                                                                          |               | 100.0                                                                                            | %               |               | $ | 31,920 |   |

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| Cost      of Revenue:                                                                                                                                                                                                    |               | Nine      MonthsEndedSeptember      30,2009 |                                                                                             | Percentage         |                                                                                             |   | Nine      MonthsEndedSeptember      30,2008 |   | Percentage                                                                                       |               |                                                                                             | VarianceDollars |               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------|---------------------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|--------|---------------------------------------------|--------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|-----------------|--------------------|
|                                      |     |                                        |                  |     |                  |   |                              |   |                  |     |                  |            |     |   |                  |   |
|   ACH Services                                                                                                                                                                                            |               | $                                           | 151,349                                                                                          |               | 24.1                                                                                             | %      |                                        | $      | 211,278                                                                                          |               | 44.2                                                                                             | %               |               | $ | (59,929 | ) |
|                                                                                                                                                                                                                |               |                                        |                                                                                             |               |                                                                                             |   |                                        |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Verification      Services                                                                                                                                                                                   |               |                                        | 76,184                                                                                           |               | 12.1                                                                                             | %      |                                        |   | 52,493                                                                                           |               | 11.0                                                                                             | %               |               |   |  23,691 |   |
|                                                                                                                                                                                                                |               |                                        |                                                                                             |               |                                                                                             |   |                                        |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Credit      Card Services                                                                                                                                                                                    |               |                                        | 399,795                                                                                          |               | 63.8                                                                                             | %      |                                        |   | 214,769                                                                                          |               | 44.8                                                                                             |            |               |   | 185,026 |   |
|                                                                                                                                                                                                                     |               |                                        |                                                                                             |               |                                                                                             |   |                                        |   |                                                                                             |               |                                                                                             |            |               |   |   |   |
| Total Cost of Revenue                                                                                                                                                                                     |               | $                                           | 627,328                                                                                          |               | 100.0                                                                                            | %      |                                        | $      | 478,540                                                                                          |               | 100.0                                                                                            | %               |               | $ | 148,788 |   |

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|   | · | We      may experience reductions in the amount of payments we process for      merchants as a result of a downturn in consumer activity and consumer      confidence. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      may be negatively impacted in our credit card processing business if      consumers are unable to maintain existing credit card limits or have      credit card services terminated. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We      may experience difficulties in maintaining or re-financing our existing      credit facilities at either equivalent or more favorable      rates. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | New      sources of borrowed capital may become more expensive or unavailable which      may inhibit our ability to grow. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------|

|   | · | Competition      may become more intense and we may be required to reduce pricing to      maintain the business we have and/or to obtain new business through our      existing sales force. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|                 |   |                                                                                                                                                                                                                    |
|--------------------------------------------------------------------------------------------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10.1                                                                                       |   | Amendment      Agreement dated August 23, 2009, to Unsecured Promissory Note between the      Company and William R. Plummer (incorporated by reference to Exhibit 10.1      to our Form 8-K filed on August 24, 2009). |
| 31.1                                                                                       |   | Certification      of Principal Executive Officer under Section 302 of the Sarbanes-Oxley Act      of 2002.*                                                                                                            |
| 31.2                                                                                       |   | Certification      of Principal Financial Officer under Section 302 of the Sarbanes-Oxley Act      of 2002.*                                                                                                            |
| 32.1                                                                                       |   | Certification      of Principal Executive Officer under Section 906 of the Sarbanes-Oxley Act      of 2002.*                                                                                                            |
| 32.2                                                                                       |   | Certification      of Principal Financial Officer under Section 906 of the Sarbanes-Oxley Act      of 2002.*                                                                                                            |

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SIGNATURES

|                                                                                                                                                                                                                                                                                                                                                                                                         | UNITED      ESYSTEMS, INC.                                                                                                                      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                    |                                                                                                                   |
| Date:   November 16,      2009                                                                                                                                                                                                                                                                                                                             | By: /s/ Walter Reid      Green, Jr.                                                                                                        |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       Walter      Reid Green, Jr.                                                                                 |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       Chief      Executive Officer, President and      Chief      Financial Officer |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       (Principal      Executive Officer and Principal Financial  Officer)                                         |