We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.
All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.
Integrated Merchant Alliance provides credit card processing and merchant services for businesses. In this review, we cover the company’s services, pricing, contract terms, and customer feedback. We also evaluate its fee transparency, the quality of customer support, and overall client satisfaction. By the end, you will have a clear understanding of what Integrated Merchant Alliance offers and whether it is the right fit for your business’s payment processing needs.
Integrated Merchant Alliance, powered by First Data (now Fiserv), is a merchant account provider based in Omaha, Nebraska. Its specialties include medical, non-profit, e-commerce, petroleum, hotel, restaurant, insurance, retail, mail/telephone order, travel, manufacturing, and wholesale merchant accounts.
Integrated Merchant Alliance offers payment processing services to manage a variety of transactions securely and efficiently. These services support businesses in handling credit card and electronic payments.
Integrated Merchant Alliance provides EMV card readers and swipers, essential for processing chip card payments. These devices enhance transaction security and help reduce fraud risk by complying with EMV standards.
Integrated Merchant Alliance supplies a range of point-of-sale (POS) equipment designed to meet the needs of different businesses. This equipment facilitates efficient checkout processes and helps manage sales and inventory effectively.
Integrated Merchant Alliance offers check and Automated Clearing House (ACH) processing services. These services enable businesses to process electronic payments and checks, providing an alternative to traditional payment methods.
Integrated Merchant Alliance provides business loans to support various financial needs. These loans can help businesses with cash flow management, expansion projects, or other financial requirements.
Integrated Merchant Alliance offers gift and loyalty programs aimed at enhancing customer engagement and retention. These programs allow businesses to reward their customers, encouraging repeat business and building customer loyalty.
Integrated Merchant Alliance supplies ATM machines, offering businesses a way to provide convenient cash access to their customers.
Integrated Merchant Alliance provides payroll and cash advance services to help businesses manage their financial needs. These services ensure timely payroll processing and provide quick access to funds.
As of this update, we are unable to locate any Integrated Merchant Alliance reviews that describe the company as a scam or a ripoff. In fact, there appear to be few complaints filed publicly against the company. While some Integrated Merchant Alliance complaints may have been redirected to the online profiles of First Data/Fiserv, there is no clear evidence of this. If you have your own Integrated Merchant Alliance review to share, please do so in the comments below.
We have not found any outstanding class-action lawsuits or FTC complaints filed against Integrated Merchant Alliance. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting their concerns to the relevant supervisory organizations.
Integrated Merchant Alliance lists a dedicated phone number and customer support email address on its website. While this meets the basic level of support we expect from top-rated payment processors for great customer service, it seems to be adequate for IMA’s purposes.
| PaymentPop | 5 |
|---|---|
| BBB Rating | N/A |
There are no negative reviews published about Integrated Merchant Alliance on the PaymentPop website.
Integrated Merchant Alliance helped us move to a more organized system without adding a bunch of complexity. They were upfront about fees, and our setup was handled quickly. It’s been reliable, and we’re not wasting time troubleshooting like we used to.
Integrated Merchant Alliance has been an accredited business of the Better Business Bureau since 2010 and presently maintains an “A+” score. The company has received 0 complaints in the last 36 months. It also has not received any informal reviews on its BBB profile, although it should be noted that these reviews are generally not subject to verification by the BBB.
Given the company’s clean complaint record, we agree with the BBB’s rating at this time. However, readers should note that there are good reasons to be skeptical of the BBB’s rating system.
Details about the standard contract for Integrated Merchant Alliance are sparse. Since the company is affiliated with First Data/Fiserv, it’s plausible that their merchant account agreements resemble those of First Data/Fiserv.
First Data/Fiserv is known for offering a range of contract terms and pricing structures. Typically, their standard contract involves a multi-year commitment with an early termination fee of $495 and a monthly PCI compliance fee of $19.95, along with tiered pricing. Monthly processing volume impacts rates, with businesses processing up to $50,000 per month facing a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19, and those exceeding $50,000 per month seeing reduced rates. Contracts may also include non-cancellable, long-term equipment leases through First Data Global Leasing.
The absence of widespread complaints about Integrated Merchant Alliance’s contract terms could indicate customer satisfaction with their agreements. Accordingly, we currently give the company an “A” rating in this category. Nevertheless, it should not be assumed that Integrated Merchant Alliance’s pricing aligns with the most affordable merchant accounts. Insights into Integrated Merchant Alliance’s contract terms would be valuable and can be shared in the comment section below this review.
For further options, we suggest readers to explore our compilation of the best merchant accounts.
Integrated Merchant Alliance appears to employ outside sales agents to market its services. This hiring practice is standard for the industry, and it is usually responsible for a high volume of complaints among clients. Integrated Merchant Alliance, however, is showing only one online review that accuses its sales representatives of misrepresentation. In this instance (found in the comment section below), the client describes misrepresentation of rates and fees as well as an inability to reach the agent after signup. The client states that the company corrected some of these issues while others were left unaddressed by customer service.
In general, this compares favorably to our list of best credit card processors.
To its credit, Integrated Merchant Alliance does not appear to list any deceptive rate quotes in its official materials. If you suspect that you were misled about your rates, you can double-check your pricing with a third-party statement audit.
Compare Integrated Merchant Alliance to competitors that earned top marks.
Integrated Merchant Alliance (IMA) ranks as a dependable credit card processing provider according to our criteria. Despite its fairly standard partnership with First Data/Fiserv, the company maintains a nearly spotless public complaint record. This reflects well on IMA’s overall service quality and suggests consistent customer satisfaction across its client base. The company’s reputation is bolstered by the reliable processing capabilities associated with its partners, making it an appealing choice for businesses seeking a steady and trustworthy payment solution.
However, prospective clients should remain mindful of potential concerns. The company’s reliance on independent sales agents can create inconsistencies in the customer experience, and the lack of detailed information regarding contract terms makes it difficult to conduct a comprehensive assessment of the service before signing up. As a result, businesses should compare IMA’s pricing with other top-rated merchant account providers to ensure they secure the best deal. Thoroughly understanding the terms and conditions will help clients avoid unexpected costs and find the most suitable processing partner for their needs.
| President | Richard Semaan |
|---|---|
| Headquarters | 14748 W Center Rd # 106 Omaha, NE 68144 |
| Toll-Free Customer Support | (888) 411-446 |
| Website | imainfo.com |
