Integrated Merchant Alliance Reviews & Complaints

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Integrated Merchant Alliance provides credit card processing and merchant services for businesses. This article will review the company's service offerings, pricing structure, contract terms, and customer feedback. We will discuss the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a clear understanding of what Integrated Merchant Alliance offers and whether their services are suitable for your business's payment processing needs.

About Integrated Merchant Alliance

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 Payment Processing

Integrated Merchant Alliance processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS equipment, check and ACH processing, business loans, gift and loyalty programs, ATM machines, payroll, and cash advances.

Integrated Merchant Alliance Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Total

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.

Integrated Merchant Alliance Lawsuits and Fines

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 Customer Support Options

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.

Integrated Merchant Alliance Customer Service Number

  • (888) 411-446 – Toll-Free Customer Support

Other Support Options

  • Customer service via email at

Integrated Merchant Alliance Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

Clean Complaint Record

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.

An “A” Performance

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.

Integrated Merchant Alliance Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Variable Contract Terms

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.

No Red Flags

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 Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

Outside Sales Team

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.

No Deceptive Quotes

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.

Our Integrated Merchant Alliance Review Summary

Our Final Thoughts

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.

Location & Ownership

The company was established in 2003 and is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, CA. Richard Semaan is the president of Integrated Merchant Alliance, which is headquartered at 14748 W Center Rd # 106 Omaha, NE 68144.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Integrated Merchant Alliance Treat You?

1 User Reviews

  • Veronica

    Integrated Merchant Alliance uses illegal sales tactics including promising one rate and charging another and promising singing bonuses that entice you to sign-up now and are never paid. The “sales representative” I worked with is the territorial manager, and he has lied about almost everything. The charges promised upon sign-up were quickly changed to higher rates after sign-up, and then the bill included even higher rates still. IMA charged for products never received (card swiper) and promised refunds, but never gave them. IMA overcharged and doubled charged me. Through customer service I was able to get only one of the many problems resolved. The territorial manager has ceased all communication with me. Customer service responded to my first inquiry, but not to any subsequent inquiries. They claim the territorial manager is the only one that can give me the promised signing bonus (that was to cover the cancellation fee I was charged by my previous processor to switch to IMA) and they won’t address being charged for the card swiper I have never received and was promised was free. If the territorial manager is unreliable and committing fraudulent sales practices, IMA should do something to make it right with the customer, but they have no intention of doing that. I am still waiting (over a month now) to receive any communication from my sales rep (territorial manager). I have been waiting over two months to get promised refunds and over three months for the signing bonus. I signed up on December 31 and all of these problems have occurred since them. I am very surprised there aren’t more complaints out there, but I’m sure they will come. If anyone is thinking of signing up with IMA, be very leery about what they tell you to get you to sign up and watch your bill closely.

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