Integrated Card Service: Reviews & Complaints

Three-Year Contract

Integrated Card Service appears to resell the contracts of iPayment, which are typically three-year agreements with automatic renewal and an early cancellation fee of $350 if service is canceled before the first year of service, a fee which drops to $250 after the first year of the contract is completed. We have located some mentions of a PCI Compliance fee at or around $100, and businesses report discount rates that are less than competitive. Client reviews also reflect a PCI non-compliance fee of $30 per month, a monthly statement fee of $8, and a chargeback fee of $25. Generally speaking, these terms may vary from agent to agent but are far from likely to be competitive with the cheapest merchant accounts.

iPayment also utilizes First Data Global Leasing for payment processing hardware. First Data Global Leasing contracts for equipment are 48-month, non-cancellable agreements that usually cost far more than the actual market price of the equipment. At the end of an equipment lease, the client does not become the owner of the equipment but rather may purchase the equipment for an additional cost that is calculated with respect to the length of the lease. In the event that a business owner wishes to cancel before the conclusion of the lease, they will owe the entirety of the remaining monthly payments on the lease in the form of one lump sum (essentially a Liquidated Damages fee), which can often total thousands of dollars.

Dissatisfaction with Contract Terms

The most consistent negative factors appear to be an early termination fee, high processing rates, and a pattern of nondisclosure by sales agents. We also encourage business owners to check out our list of the providers of the best merchant accounts.