Universal Payment Software - Version 4.12 Universal Payment Software is a credit, debit and Electronic Benefits Transfer/Electronic Funds Transfer(EBT/EFT) card authorization and settlement system that uses address verification(AVS)and check guarantee services. The software can be intergrated with your Point-Of-Sale(POS) software or operated from its own main menu. UPS WIN also operates in a stand-alone environment. UPS is the most flexible and powerful payment processing software available today and is used by software developers, transaction processors and merchants around the globe.