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Note: As of 2023, we believe Integrated Card Service is no longer in business. We will no longer be updating this profile. If you have any information that the company is still in business, please let us know in the comment section below.
Integrated Card Service, aka International Card Service, is a merchant account provider that has been active since 2007. International Card Services also does business as Merchant Account Solutions. Integrated Card Service appears to be a reseller of iPayment contracts.
Possibly Inactive DBA
As of this update, Integrated Card Service’s website is hosted on a free Weebly site and has been stripped of most of its content. Additionally, the company’s alternative web domain is not responsive. This may indicate that the company is transitioning its Integrated Card Service resources to a different brand and URL, or it may simply mean that Integrated Card Service is being shut down. International Card Service’s alternate DBA, Merchant Account Solutions, is still active at this time. Additionally, the BBB lists Integrated Card Service as an alternate name for iPayment, Inc. If you have any knowledge of the situation, please share it in the comment section below this review.
Integrated Card Service Payment Processing
The ICS website does not list much information on their services. It appears Integrated Card Services processes major credit and debit cards and offers “a credit card machine, integrated accounting software, an easy merchant account setup guide, and a payment-processing infrastructure composed directly from invoices.” They also appear to take phone, mail, and mobile payments and provide e-commerce solutions and equipment rental through First Data (Fiserv).
Integrated Card Service offers a range of POS systems that are designed to meet the needs of businesses in various industries. Their POS systems come with a range of features that make managing transactions simple and efficient, including inventory management, employee management, and reporting tools. Integrated Card Service’s POS systems are easy to use and come with all the features that businesses need to manage their transactions effectively.
Integrated Card Service offers mobile payment solutions that allow businesses to accept payments using their mobile devices. The mobile payment solutions are easy to use and come with all the security features that businesses need to protect their customers’ data. Integrated Card Service’s mobile payment solutions are ideal for businesses that are always on-the-go.
Integrated Card Service offers e-commerce solutions that allow businesses to accept payments online. The e-commerce solutions are easy to use and come with all the features that businesses need to manage their online transactions effectively. Integrated Card Service’s e-commerce solutions are ideal for businesses that want to expand their customer base and reach a wider audience.
Gift Card Programs
Gift card programs are an excellent way for businesses to increase sales and customer loyalty. Integrated Card Service offers gift card programs that are fully customizable, allowing businesses to design their own gift cards and track sales data in real-time. Integrated Card Service’s gift card programs are easy to set up and use, and they come with all the features that businesses need to manage their gift card programs effectively.
Location & Ownership
The company’s corporate address is located at 5126 Clareton Drive, Suite 260, Agoura Hills, California 91301. International Card Services, LLC, DBA: Integrated Card Service, is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California.
Table of Contents
- Costs & Contract: Appears to offer a three-year contract with an early termination fee of $350 or more and…
- Complaints & Service: Has received more than 40 public…
- BBB Rating: Does not have a dedicated profile with…
- Sales & Marketing: Hires independent sales representatives and has received…
Integrated Card Service Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
Moderate-to-High Complaint Total
We are currently able to locate over 40 Integrated Card Service reviews on this and other consumer protection websites, many of which accuse the company of being a scam or ripoff. Complainants consistently report deceptive sales tactics, expensive contracts that are difficult to cancel, unhelpful or unavailable customer support, unauthorized debiting of undisclosed fees, and refusal by the company to provide a copy of the full processing contract. Some of these complaints have been filed against a DBA of Integrated Card Service, International Card Services. If you have your own Integrated Card Service review to make, please do so in the comments below.
Integrated Card Service Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Integrated Card Service. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Integrated Card Service Customer Support
Generally speaking, Integrated Card Service appears to have a severe problem with its customer service team, which is consistent with the reputation of its apparent processor, iPayment. In fact, it is possible that Integrated Card Service outsources its customer service to iPayment, which would scatter complaints across both entities. The company does not appear to offer a direct phone line to its support team on its website. Integrated Card Service’s lack of dedicated customer support paired with its complaint record prevents it from being considered a top merchant account provider for customer service.
Integrated Card Service BBB Rating and Report
Our Better Business Bureau Profile Assessment
See Which Processors Offer No Monthly Fees And No Contracts.
No Dedicated BBB Profile
The Better Business Bureau’s profile for Integrated Card Service has been deleted, and the BBB currently groups Integrated Card Service’s complaints with complaints about iPayment, which itself has been conflated with Paysafe:Group.
Integrated Card Service Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
1.00% - 4.99%
Monthly & Annual Fees
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.
Integrated Card Service Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.
Uses Independent Resellers
Discloses All Important Terms
Integrated Card Service appears to hire independently contracted sales agents to market its services. This is a common hiring practice within the industry that usually results in elevated complaint rates among merchants, and it appears to be a major problem for Integrated Card Service and its clients. We are currently able to locate numerous negative Integrated Card Service reviews that describe misrepresentation of rates and fees by the company’s sales agents, sudden charges for contracts that business owners claim to not have signed, and nondisclosure of contract length at the point of signing. If you, too, suspect that Integrated Card Service is charging you hidden fees, we recommend a third-party statement audit to find and eliminate undisclosed charges.
Some Red Flags
There was also some confusion over an advertisement formerly posted to the company’s website that promoted free service for the first 90 days. Although the fine print on the Integrated Card Service website explained that the company only waives the monthly service fee (while other fees remain active), many clients expressed confusion and surprise upon being charged for their first three months. The consistent nature of these complaints led us to believe that it is a common practice among Integrated Card Service agents to intentionally fail to disclose certain contract terms. This does not compare favorably to our list of best credit card processors. We therefore award the company a “C” in this category.
Integrated Card Service Review Summary
Our Final Thoughts and Opinions
Integrated Card Service receives a substandard score as a credit card processing provider according to our rating system. The credit card processor has a persistently high complaint rate that appears to stem from its sales tactics and uncompetitive contract terms. Even more troubling is the fact that there does not appear to be a concerted effort to improve these undesirable factors. Because Integrated Card Service is rated as low as some of the worst merchant account providers on CPO, merchants would be better served by selecting a top-rated option for merchant account needs.
Customer & Employee ReviewsWhat Others Are Saying About Integrated Card Service